{"id":573,"date":"2011-06-29T15:00:00","date_gmt":"2011-06-29T22:00:00","guid":{"rendered":"http:\/\/wabikes.org\/2011\/06\/29\/insurance-for-the-car-less\/"},"modified":"2014-02-10T15:46:12","modified_gmt":"2014-02-10T23:46:12","slug":"insurance-for-the-car-less","status":"publish","type":"post","link":"https:\/\/wabikes.org\/index.php\/2011\/06\/29\/insurance-for-the-car-less\/","title":{"rendered":"Insurance for the Car-less"},"content":{"rendered":"<p><span style=\"font-size: small;\"><i>Today&#8217;s guest blog post was submitted by Mimy Bailey, a bicycle attorney practicing in Seattle.\u00a0 <\/i><span style=\"color: black;\"><i>She handles cases involving collisions and roadway defects.\u00a0 She is a member of Washington Bikes.<\/i><\/span><\/span><\/p>\n<div><span style=\"font-size: small;\"><b><u><span style=\"font-family: \"Arial\",\"sans-serif\";\"> <\/span><\/u><\/b><\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">After my last post on insurance (<b><a href=\"http:\/\/bicyclealliance.blogspot.com\/2011\/05\/time-for-insurance-check-up.html\">Time for an Insurance Check-Up<\/a><\/b>) I received requests for more information relevant to those who gave up their cars.\u00a0\u00a0 I spent some time calling insurance companies about any available replacement for car insurance and came up empty handed.\u00a0 <a href=\"http:\/\/www.blogger.com\/post-edit.g?blogID=5024600887499582729&#038;postID=751901151812285837\" name=\"_GoBack\"><\/a>This post will address some special considerations for those who are car-less.<\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">Before we dive in, I\u2019ll give you the bottom line:\u00a0 There is no car insurance equivalent for the car-less.\u00a0 You want to make sure you have health insurance in case you are hurt and homeowner\/renter coverage in case you cause a collision or have a property damage claim.<\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">Car insurance provides three important areas of coverage that comes into play in a bike v. car collision:<\/span><\/div>\n<div>\n<ul>\n<li><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">\u00a0<\/span><span style=\"font-size: small;\"><u><span style=\"font-family: \"Arial\",\"sans-serif\";\">Personal Injury Protection (PIP)<\/span><\/u><\/span><span style=\"color: #333333; font-family: \"Arial\",\"sans-serif\"; font-size: small;\">pays for medical and other expenses, such as wage loss and household services. \u00a0PIP is no-fault coverage, so it does not matter who caused the collision, your bills will be paid. \u00a0The bills are paid as they are incurred (similar to health insurance).<\/span><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">\u00a0<\/span><\/li>\n<ul>\n<li><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">Car-Less Scenario:\u00a0 You will only have access to PIP coverage if the driver has it on his\/her policy.<\/span><\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<ul>\n<li><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">\u00a0<\/span><span style=\"font-size: small;\"><u><span style=\"font-family: \"Arial\",\"sans-serif\";\">Under\/Uninsured Motorist Coverage (UM\/UIM)<\/span><\/u><\/span><span style=\"color: black; font-family: \"Arial\",\"sans-serif\"; font-size: small;\">will provide insurance if you are hit by someone who is uninsured or whose coverage is inadequate to cover your damages.<\/span><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">\u00a0<\/span><\/li>\n<ul>\n<li><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">Car-Less Scenario:\u00a0 <\/span><span style=\"color: black; font-family: \"Arial\",\"sans-serif\"; font-size: small;\">Not available.<\/span><\/li>\n<\/ul>\n<\/ul>\n<ul>\n<li><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">\u00a0<\/span><span style=\"font-size: small;\"><u><span style=\"font-family: \"Arial\",\"sans-serif\";\">Liability<\/span><\/u><\/span><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\"> coverage is mandatory at a minimum of $25k.\u00a0 This is the coverage that you will make the final claim against on the driver\u2019s policy.\u00a0 You must have an auto policy to have this coverage.<\/span><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">\u00a0<\/span><\/li>\n<ul>\n<li><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">Car-Less Scenario:\u00a0 You don\u2019t have this coverage to take care of the other person in case the collision is your fault (homeowner\/renter insurance is the replacement).\u00a0 If it\u2019s the driver\u2019s fault, this is the coverage you will make your claim against.<\/span><\/li>\n<\/ul>\n<\/ul>\n<div><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">\u00a0<\/span><span style=\"font-size: small;\"><b><span style=\"font-family: \"Arial\",\"sans-serif\";\">Is there bicycle insurance?<\/span><\/b><\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">I know of one company that sells bicycle insurance, but it is <u>not<\/u> equivalent to car insurance.\u00a0 After reviewing the coverage, it\u2019s not coverage I would recommend.<\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-size: small;\"><b><span style=\"font-family: \"Arial\",\"sans-serif\";\">Can I buy car insurance without a car?<\/span><\/b><\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">There is no replacement for the type of coverage available to you if you own a car.\u00a0 No car insurance will provide Personal Injury Protection (PIP) or UIM coverage if you are hit on your bicycle, unless your car insurance is tied to your vehicle.<\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">This means that health insurance and homeowner\/renter insurance is all the more important.\u00a0 Health insurance to cover your medical bills and homeowner\/renter insurance to provide liability protection in case the collision is your fault.<\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-size: small;\"><b><span style=\"font-family: \"Arial\",\"sans-serif\";\">Who will pay my medical bills if I am hit by a car?<\/span><\/b><\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">IF the driver has PIP coverage on his\/her policy, then it will pay medical bills up to the limits of the coverage (usually $10k, $25k, or $35k).<\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">If the driver has no PIP coverage, or you max out the coverage, you need to have medical insurance to cover your bills. <\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-size: small;\"><b><span style=\"font-family: \"Arial\",\"sans-serif\";\">Am I limited by the driver\u2019s insurance coverage? Can I go after him\/her personally?<\/span><\/b><\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">It is possible to go after the driver\u2019s personal assets, but this is considered a last resort to be exercised in rare circumstances.<\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-size: small;\"><b><span style=\"font-family: \"Arial\",\"sans-serif\";\">What coverage do I have when driving a Zipcar?<\/span><\/b><\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">Zipcar provides liability and PIP coverage for members when driving one of their cars.\u00a0 Learn more <a href=\"http:\/\/www.zipcar.com\/cities?return_url=%2Fhow%2Ffaqs%2Fone-faq%3Ffaq_number%3D28&#038;signature=760+1309306578+730BC6E3A35EA7A0E6BC627FD79216A70896E318\">here.<\/a><\/span><\/div>\n<p><span style=\"font-size: small;\"><br \/><\/span><\/p>\n<div><span style=\"font-size: small;\"><b><span style=\"font-family: \"Arial\",\"sans-serif\";\">Am I covered when I borrow a friend\u2019s car?<\/span><\/b><\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">So long as you have your friend\u2019s permission to use the car, you will be covered on your friend\u2019s policy.\u00a0 That said, it\u2019s always a good idea to call the insurer to make sure.<\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-size: small;\"><b><span style=\"font-family: \"Arial\",\"sans-serif\";\">What if I cause injury to someone else while riding?<\/span><\/b><\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">In this scenario, you will be concerned about liability coverage to take care of the harm you caused to another person.\u00a0 Homeowner\/renter coverage may provide general liability coverage in this scenario.<\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-size: small;\"><b><span style=\"font-family: \"Arial\",\"sans-serif\";\">What if I am involved in a bike v. bike or bike v. pedestrian crash \u2013 what insurance coverage applies?<\/span><\/b><\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">Most likely, the only available coverage will be homeowner\/renter if carried by the at-fault person.<\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-size: small;\"><b><span style=\"font-family: \"Arial\",\"sans-serif\";\">What if my bike is stolen?<\/span><\/b><\/span><\/div>\n<div><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\">Again, you will make the claim on your homeowner\/renter policy.\u00a0 It will be helpful if you have pictures of the bike and a receipt for the original purchase.<\/span><br \/><span style=\"font-size: small;\"><br \/><\/span><br \/><span style=\"font-family: Arial,Helvetica,sans-serif; font-size: small;\"><span style=\"color: black;\">If you have  other questions about insurance or some of the information provided is  unclear, send me an email and I&#8217;ll be happy to clarify <a href=\"mailto:mimy@seattlebicycleattorney.com\">mimy@seattlebicycleattorney.com<\/a><\/span><\/span><span style=\"font-family: \"Arial\",\"sans-serif\"; font-size: small;\"><span style=\"font-family: Arial,Helvetica,sans-serif;\"> <\/span><\/span><\/p>\n<div style=\"font-family: Arial,Helvetica,sans-serif;\"><span style=\"font-size: small;\"><br \/><\/span><\/div>\n<div style=\"font-family: inherit;\"><i><span style=\"font-family: Arial,Helvetica,sans-serif; font-size: small;\"><span style=\"color: black;\">Mimy&#8217;s website is at <a href=\"http:\/\/www.seattlebicycleattorney.com\/\">www.seattlebicycleattorney.com<\/a> and her Twitter handle is SeattleBikes.<\/span><\/span><span style=\"font-size: x-small;\"><span style=\"color: black;\"><span style=\"font-family: Arial,Helvetica,sans-serif; font-size: small;\">\u00a0<\/span> <\/span><\/span><\/i><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Today&#8217;s guest blog post was submitted by Mimy Bailey, a bicycle attorney practicing in Seattle.\u00a0 [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[39,63,15],"tags":[],"class_list":["post-573","post","type-post","status-publish","format-standard","hentry","category-guest-blogger","category-legal","category-safety"],"jetpack_publicize_connections":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurance for the Car-less - Washington Bikes<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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