Patrick:  Are you sure your auto underinsured coverage covers you
while on a bicycle?  I hope you're correct, but I haven't seen that in
my policy.

On Dec 15, 3:50 pm, PATRICK MOORE <bertin...@gmail.com> wrote:

>
> Your home or renter's insurance will not cover accidents. If you have an
> accident and the other party is at fault, then (1) if he has insurance, his
> property liability will cover it. If (2) he does not have it, or has too
> little, your own auto Uninsured/Underinsured coverage will cover it.
>
> If you know how to talk to an adjuster, you will get your money's worth --
> at least, if the company is a reputable one: Hartford, Progessive, Travelers
> and the other prime companies I now gleefully forget. Your bottom feeder
> companies are often amenable to a letter saying, in effect: "I think $XXXX
> is fair. I have given good reasons why it is fair. if you want to jerk me
> around, I will hire a lawyer. If I hire a lawyer, then you can pay $XXXX
> PLUS my lawyer's fees. Have a nice day. Sincerely yours, etc."
>
> On the two occasions I've had to claim for bicycle losses -- one a theft,
> the second an accident -- I got full and prompt settlement -- heck, even
> made a bit on the deals.
>
> On Tue, Dec 15, 2009 at 1:18 PM, Ken Yokanovich <
>
>
>

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