Dropped bike, insurance cover damage?

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Prof J
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Dropped bike, insurance cover damage?

Post by Prof J » Tue Jul 28, 2020 1:50 am


Well, with the bike a year now, and this most recent drop in the gravel driveway resulted in several gas tank scratches. Local paint guy wants $350 to repaint the whole tank. Is anyone familiar with insurance, and if a policy coverage would cover such a thing. I currently have Progressive.
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Re: Dropped bike, insurance cover damage?

Post by Vex » Tue Jul 28, 2020 2:29 am


Likely depends on your policy. I want to say no, but... /Shrug

Every company is different. Progressive wanted to charge me an extra fee for theft protection, etc. Geico was like "Lol that's included in the base." I've never tried to file a claim on a drop though. And your deductible must be low for that to be worth it.
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Re: Dropped bike, insurance cover damage?

Post by chidago » Tue Jul 28, 2020 3:30 pm


McLay1.jpg
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Re: Dropped bike, insurance cover damage?

Post by Prof J » Tue Jul 28, 2020 6:49 pm


chidago wrote:
Tue Jul 28, 2020 3:30 pm
McLay1.jpg
That's fun looking.
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Re: Dropped bike, insurance cover damage?

Post by Bryan468 » Wed Jul 29, 2020 2:41 am


Sounds like it’s time to get that driveway paved!
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Re: Dropped bike, insurance cover damage?

Post by Prof J » Wed Jul 29, 2020 5:40 pm


Bryan468 wrote:
Wed Jul 29, 2020 2:41 am
Sounds like it’s time to get that driveway paved!
LOL. Yes. If we were going to stay. House is going up for sale in a few weeks. Unmaintained county road here.

I'll find the correct paint and do it myself. Worst will be I don't like it and need to pay the local shop to do it over.
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Re: Dropped bike, insurance cover damage?

Post by wellcraft » Thu Jul 30, 2020 1:52 am


For 350 I don't think it would be worth it to file a claim, since you dropped the bike your insurance company would probably classify it as a at fault accident which would raise your rates. Unless you have the tools, skills and experience to paint it yourself I'd just pay a professional the 350 and have it done right the first time. Lots of time and money wasted if you screw up the paint job and it may cost you more than 350 if the paint guy has to fix your errors.
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Re: Dropped bike, insurance cover damage?

Post by SDH2Mike » Thu Jul 30, 2020 2:26 am


I’m echoing wellcraft on this as well... I would have it painted
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