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Rabie
Guest
So say, hypothetically, your rack fails and dumps your bike on the freeway. The rack manufacturer's warranty explicitly denies liability. Is this something that auto insurance policies typically cover?
Call your auto insurance advisor and ask i would say.
Unfortunately no, it would only cover equipment to the vehicle. If the rack was damaged in an accident a policy should cover it (at least in NY, other states may have exclusions) but a bike is not considered "equipment for use of a car", a rack is designed for a car so most insurance companies recognize that. Home owners or a renters policy should cover it though. Again each company and state can have exclusions, but that is a long way for me to say no, the auto policy will not cover the bike.
Your friendly insurance advisor.
Your friendly insurance advisor.
If you have full coverage it should. Had that happen to a friend. He has State Farm. If you dont have full coverage and have a house try to use you home owners insurance.
not in Texas (from experience) as I was advised to claim it on home owners/renters insurance.
Are you sure it wasn't your Miata that failed and fell off of the rack?
I sense fraud.
I'll call my parents, they own a farmers (25 years now).
BTW: I always use a 3" velcro strap to fix the tires on the cyclon pro to the actuall bars as well. If its not in my 4-runner its just not safe
BTW: I always use a 3" velcro strap to fix the tires on the cyclon pro to the actuall bars as well. If its not in my 4-runner its just not safe
what rack was it ?
If it is not permentlly attatched to you're car it is NOT covered by you're auto insurance. It is covered under you're home owners or renters policy- JM
Rabie, call spookydave quick and weld the rack on your miata. Heat treat it after with the fuel tank half full.
Just tell the ins. co. that it was a $6,000 rack and hitch combo.......it was a factory option...
What JohnM said. And even if it is permanently installed, you'd have to get an endoresment (i.e. added as an extra to the policy with extra premium) to be covered with most carriers.
HOWEVER, if your bike was to damage somebody else's car/cause an accident, the liability portion of the policy would pay towards others' damages.
HOWEVER, if your bike was to damage somebody else's car/cause an accident, the liability portion of the policy would pay towards others' damages.
Me: Ummm, hello I have a quick question for you.
Rep: Ok, go ahead.
Me: I'd like to perch a 55lb downhill bike approximately 4 feet above the roof of my car, held on by a questionable rack who's manufacturer explicitly denies any responsibility should the bike in question get ripped off the roof and cartwheel down the LIE at approximately 80 miles per hour. Would that be something that you would cover? ... Ummm, hello?
I need to look into the insurance issue. The other weekend I borrowed a hitch rack that actually carries 2 MX bikes. The whole way to and from Moab I cringed every time I hit a hump in the hwy. I was worried to death that 500 lbs of MX bikes would tumble down the hwy at 70 mph. It would be bad enough to lose my bikes, but much worse if another drive was injured. I pretty much decided never to use that thing again and just pull my small trailer.
R
Rabie
Guest
I guess that policy is something they lost when they were bought by Thule. The rack was a Sportworks T2. This is what became of the clamp that holds (held) the tray to the arm of the rack. Clean snappage.
And thanks, all, for the responses. No home owners/renters insurance, but I'll be looking into my auto policy.
Go ahead and report it, and get put on a high risk list, which will in turn lead to you being dropped sooner or later.
Once dropped your rates will be through the roof.
I reported a stolen shotgun from a trap club and had a water pipe break in the house, and got dropped.
Be careful, once reported it stays with you.....
I was told the general rule is if it's less than five grand don't report it as you'll pay more in the long run.
Insurance is just about a joke these days....and only for somethingl like a house burning down.
John
Once dropped your rates will be through the roof.
I reported a stolen shotgun from a trap club and had a water pipe break in the house, and got dropped.
Be careful, once reported it stays with you.....
I was told the general rule is if it's less than five grand don't report it as you'll pay more in the long run.
Insurance is just about a joke these days....and only for somethingl like a house burning down.
John