insurance coverage due to the e-bike and e-scooter hazard
  14 years
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I just reviewed the insurance coverage for my Subaru Forester and had a discussion with the insurance agent. The question was whether I have enough of the needed coverage for an accident with an e-bike or scooter. None of these people have insurance.
In the last six months I have watched all these situations on the road, again and again:
A kid rides his e-scooter every day on the sidewalk to the high school which is about 2 miles away at 30 mph (about 48 km/hr).
An e-bike riding through red lights, against traffic in the street and on the sidewalk, using handicap curb cuts to go from the street to the sidewalk, crossing a 4-lane highway at a 45 degree angle.
A gas-powered pocket motorcycle with fat tires, unregistered, being driven at high speed on the sidewalk of a busy 4-lane state road.
I already had high liability coverage with an umbrella policy. The insurance agent recommended that the "uninsured driver" coverage be increased.
Of course
They'd recommend increasing something..
Just lining their own pockets..
Call me cynical
Never argue with a pig. It makes you look foolish and it anoys the hell out of the pig!
I learned
They'd recommend increasing something..
Just lining their own pockets..
Call me cynical
years ago when I wanted to know how come if I buy a diamond for $10,000, it appraises for $22,000, that the insurance co accepts the bogus appraisal.
Answer: Because they will write a premium based on the appraisal, but they will NEVER pay out anything near that amount.
In my example, they will either replace with a like stone, or pay out at wholesale, maybe $6,000.
You're 100%. Being overinsured is ok with insurance, and they will collect the premium, but they will never pay out at that amount.
It isn't perfectly clear that I grok this.
It isn't perfectly clear that I grok this.
I see two unrelated possibilities:
___1) the likelihood of an incident requiring a payout is higher now, or
___2) something I don't understand will cause the requirement _____for higher payouts.
1) doesn't call for more insurance while 2) may.
both are correct
It isn't perfectly clear that I grok this.
I see two unrelated possibilities:
___1) the likelihood of an incident requiring a payout is higher now, or
___2) something I don't understand will cause the requirement _____for higher payouts.
1) doesn't call for more insurance while 2) may.
Both are correct.
1) The likelihood of an incident is higher now and did not exist previous to 6 months ago.
2) The e-bike or scooter occupant may have severe injuries while the auto occupant may be uninjured. That coupled with the lack of insurance for the e-bike puts the auto occupant in a position to be sued. The injuries would be covered by the auto occupant's increased state uninsured motorist coverage.
Put simply, the e-bike rider's reckless behavior will be paid for by the auto occupant's insurance or in cash.
Sounds like
A really good reason to have good dash cams
Never argue with a pig. It makes you look foolish and it anoys the hell out of the pig!
I think
Assuming that everything that's been written about is correct, I think it's time for state legislators to look at these issues. Maybe it's about time for those kinds of vehicles to be required to carry at least collision and comprehensive insurance.
Phil
"No misfortune is so bad that whining about it won't make it worse."
3 accidents
A really good reason to have good dash cams
The last 3 accidents I have had, have not been my fault. In all three cases the other driver lied their a** off. Insurance companies decided "Double Negligence", so I wound up paying my deductible, 3 times. All over the last 35 years.
I now have a high resolution dashcam with a rear camera. Hopefully, it will help, if and when it happens again.
BTW: In Russia, almost everyone has a dashcam.
Metricman DriveSmart 76 Williamsburg, VA
Yup
Me too
. I get it
Never argue with a pig. It makes you look foolish and it anoys the hell out of the pig!
interesting
A really good reason to have good dash cams
The last 3 accidents I have had, have not been my fault. In all three cases the other driver lied their a** off. Insurance companies decided "Double Negligence", so I wound up paying my deductible, 3 times. All over the last 35 years.
I now have a high resolution dashcam with a rear camera. Hopefully, it will help, if and when it happens again.
BTW: In Russia, almost everyone has a dashcam.
You mentioned lying.
I clearly remember someone leaving a note on my mom's car growing up, sorry I hit your car and phone number.
I remember she left her purse in a grocery cart and get this, she was scared my dad was going to be very upset. A random woman drove to her house based on the address on the license, and gave it back to her.
My parents' car got hit in a dunkin' donuts, a good samaritin got the plate and gave it to them. My parents being young didn't realize they needed the name/number of that person. PD followed up they found the registrant's info but without a witness they could not follow up.
All of the above are true stories.
But today, people lie so non chalantly. Rather than say that's sad, I'll use an expression I don't like. It is, what it is.
I have empathy for your 3 incidents, because my buddy got hit while driving his mom's (a senior) car. PA.
The driver was unlicensed, uninsured, vehicle not registered.
Cop didn't want to take a report, said you guys exchange info.
My buddy said no. So ok, you want to play that game.
cop took a report. The person was given a violation, and got in the car and drove away. WTH?