{"id":159792198,"date":"2010-01-24T10:43:18","date_gmt":"2010-01-24T10:43:18","guid":{"rendered":"https:\/\/wp.baltimorespokes.org\/?p=159792198"},"modified":"2010-01-24T10:43:18","modified_gmt":"2010-01-24T10:43:18","slug":"bicycle-insurance-whos-got-it","status":"publish","type":"post","link":"https:\/\/wp.baltimorespokes.org\/?p=159792198","title":{"rendered":"BICYCLE INSURANCE \u2013 WHO\u2019S GOT IT?"},"content":{"rendered":"<p>Is anyone writing bicycle insurance in the USA right now?  If so, I\u2019m out of the loop.  As far as I can tell, no insurer is writing such a policy in the United States right now.<br \/>\nWhat do I mean?<br \/>\nIf you have a car, you get car insurance.  That policy typically contains a number of different coverages.  If you hit someone in your car, you are covered.  If your car is damaged, your policy can cover it.  If you are hit by an uninsured motorist, or one without enough insurance, this policy may provide a pool of money to pay your claim.  The \u201cMedical Payments\u201d coverage can be used to pay your medical bills.<br \/>\nWhat if you are a true transportation cyclist and give up your car?  Who pays the claim if you run somebody over?  What if you get hit by an uninsured motorist?  What kind of insurance is available to protect you?<br \/>\nThe short answer, in the U.S., is that it is much easier to protect yourself on the bike if you own a car!<br \/>\nIf you do NOT own a car, there is no \u201cUninsured\/Underinsured\u201d policy that will protect you if you are hit by an uninsured motorist.  No one is selling this type of \u201cBicycle Insurance\u201d in the U.S., as far as I am aware.<br \/>\n&#8230;<br \/>\n<!--more--><br \/>\n<a href=\"https:\/\/ohiobikelawyer.com\/uncategorized\/2010\/01\/bicycle-insurance-where-is-it\/\">https:\/\/ohiobikelawyer.com\/uncategorized\/2010\/01\/bicycle-insurance-where-is-it\/<\/a>oldId.20100124104318688<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Is anyone writing bicycle insurance in the USA right now? If so, I\u2019m out of the loop. As far as I can tell, no insurer is writing such a policy in the United States right now. What do I mean? If you have a car, you get car insurance. That policy typically contains a number &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/wp.baltimorespokes.org\/?p=159792198\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;BICYCLE INSURANCE \u2013 WHO\u2019S GOT IT?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"1","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-159792198","post","type-post","status-publish","format-standard","hentry","category-biking-elsewhere"],"_links":{"self":[{"href":"https:\/\/wp.baltimorespokes.org\/index.php?rest_route=\/wp\/v2\/posts\/159792198","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wp.baltimorespokes.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wp.baltimorespokes.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wp.baltimorespokes.org\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/wp.baltimorespokes.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=159792198"}],"version-history":[{"count":0,"href":"https:\/\/wp.baltimorespokes.org\/index.php?rest_route=\/wp\/v2\/posts\/159792198\/revisions"}],"wp:attachment":[{"href":"https:\/\/wp.baltimorespokes.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=159792198"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wp.baltimorespokes.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=159792198"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wp.baltimorespokes.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=159792198"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}