Gear not covered?
 

Alright so most of you already know about my "get off" a couple of weeks ago. Now I find our my gear is not covered under my bike insurance. It is covered however under my home owners policy.... where my detectable is $1K. The gear I was wearing (jacket, helmet, gloves, boots) adds up to about that or just under so it's not worth making a claim. WTF? I thought gear was covered under your auto policy.

Depends on your policy I guess. I know mine is covered with my insurance.

Not sure about my policy as far as gear is concerned.

I guess so!

I would've thought it would be covered as well, because I've heard of others who've had their gear covered in a get-off (and their aftermarket accessories, too), but sounds like that's just their specific ins co/policy.

I've heard of gear being covered by auto insurance if you're hit by a car and the driver is at fault. If you're claiming it on your own policy, it may not be covered. Depends on your policy.

Michigan is a no fault state. So the claim goes against my policy anyway no matter who is at fault.

That sucks, Florida used to be a no-fault state, but we still had the right to sue, since the "limited tort" option was not part of out laws.

So when I has hit by a car and it was their fault, they had to cover everything. I let my insurance company know and they told me to call them if the other insurance gave me any problems. Otherwise they were staying out of it.

Didn't even think about gear being covered. I'll be checking with my insurance co. Thanks for the info.

indeed - I never thought about it and just figured I'd replace it myself.

now that I check, it is not covered.

Unfortunately that's correct, Ed.

I have state farm, known to be among the best / most generous, and they stated that they are only required to replace what the state mandates you to wear (i.e. a helmet in MA... if your state doesn't require them you might be out of luck in that area, too)

That's what they told me when I asked about repairing my leathers.