Insurance

[jvl...@gmail.com]

Hi All,

tldr; Anyone have a good auto insurance policy that also covers them well if they're riding their bicycle?

I hate asking questions about insurance but I'm thinking about purchasing a car.  Right now I have velosurance that covers my bikes in case I or someone else make a mistake on the road.  It's a little pricey to have both velosurance and a car insurance policy so I'm looking for an automobile policy that will cover me in case of a bicycle crash of my own or someone elses' doing.

Anyone know of such policies or have recommendations?

Best,

Jacob

[Pamela Blalock]

On auto policies, Uninsured/underinsured covers you an members of your household in the case of hit and run or underinsured.  I recommend maxing it out. The legally required minimum barely covers a few minutes in an ER. Don’t ask me how I know this. 

As far as coverage for the bike itself, check your homeowners or renters insurance. 

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Pamela Blalock
Conway, MA

http://blayleys.blogspot.com

[Si little]

also, increase your med pay limit.  that payment is w/o determining fault, at least in NH.  the incremental cost is low.  your limits on un/under insured can not exceed your property/personal injury coverages, iirc.