October 20th, 2017In an effort to educate bikers and drivers about bicycle laws David Daggett has written a short, easy to read eBook on Bicycle Safety Laws. The eBook goes over the rights and the responsibilities of bicyclists on the road. Daggett said, “Most people do not know all of the bike laws and motorists do not…
May 12th, 2016May is the perfect time of year for the whole family to get out for a bike ride! At Daggett Shuler Law, we hope that you and your family join us in celebrating National Bike Month. Since 1956, the League of American Bicyclists has organized National Bike Month as a way to raise awareness about…
Do I need separate insurance for my bicycle? You probably do not need separate insurance for your bicycle. For accidents and liability, you should be covered by your automobile insurance policy. For theft and vandalism, your homeowners coverage will usually protect you, and will cover the replacement cost of the bike. However, remember that all policies have limitations and exclusions that may affect coverage.
Does automobile insurance provide coverage for injuries from a bicycle accident? Automobile insurance policies usually also cover you as a cyclist. Automobile insurance policies usually cover all family members living in the household. This includes your children, spouse, and any relatives living in your household. Accordingly most bicycle riders in North Carolina will have access to automobile insurance.
Which Types of Insurance Will Cover my Bicycle? Your automobile insurance and homeowners insurance may protect your bike. Uninsured motorist coverage will protect your bike when the uninsured motorist is identified. Your homeowner’s coverage picks up where auto coverage leaves off to protect other situations when your bike is damaged in an auto accident.
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