Gear not covered?

Rider · 11-17-2008, 11:09 AM

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.

Cutty72 · 11-17-2008, 11:11 AM

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

marko138 · 11-17-2008, 11:16 AM

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

neebelung · 11-17-2008, 11:20 AM

Quote:

Originally Posted by Cutty72

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

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.

Leon · 11-17-2008, 11:31 AM

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.

Rider · 11-17-2008, 11:39 AM

Quote:

Originally Posted by Leon

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.

Leon · 11-17-2008, 11:58 AM

Quote:

Originally Posted by Rider

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.

Ducati Diva · 11-17-2008, 12:02 PM

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

Particle Man · 11-17-2008, 12:33 PM

Quote:

Originally Posted by Ducati Diva

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.

ceo012384 · 11-17-2008, 01:24 PM

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.

11-17-2008, 11:09 AM	#1
Rider Moto GP Star Join Date: Feb 2008 Posts: 12,156	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.

11-17-2008, 12:02 PM	#8
Ducati Diva just learning Join Date: Oct 2008 Location: western nc Moto: 1996 M900 Posts: 1,348	Didn't even think about gear being covered. I'll be checking with my insurance co. Thanks for the info. __________________ Todays mighty oak is just yesterdays nut who stood it's ground!

11-17-2008, 01:24 PM	#10
ceo012384 Pompous Prick Join Date: Mar 2008 Location: MA Moto: 06 R6 (race), 04 CRF Tard (race) Posts: 3,040	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. __________________ LRRS/CCS #123 Boston Moto Dunlop Woodcraft 35 Motorsports Sidi Pit Bull K&N Filters

11-17-2008, 11:31 AM	#5
Leon WERA Yellow Plate Join Date: Nov 2008 Posts: 648	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.