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By 10.Skier.80 on 3/9/2007 on 10.Skier.80's blog Last spring, myself and the rest of my high school mountain biking team were on our way to Hardwood Hills for a race, At a busy intersection, a transport truck hit the trailer carrying four of our bikes pulled by a Subaru Outback. the trailer swung around and hit the front end of the car, the car turned about 270 degrees, and all the bikes flew about 15 feet in the air over a ditch and landed BUSTED in a field. over $9000 in damages! personally, my bike got a cracked frame, dented frame, bent rim, and busted spokes. We arrived to Hardwood Hills for the race with most of us without bikes. but thanks to Little Ed's we were saved, The Collingwood shop traveled all the way to Hardwood Hills with new bikes for us to race on. Thanks to the hospitality of the shop (who is owned by a team member) we could race confidently. |
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$9000 in bike damages right before a race!!!!!! |
twnty4jg says:
Bummer about the accident. I hope no one was hurt. Glad that shop pulled through for you guys. Hope you all did well! Have you filed a claim with the Tractor/trailer? The person who rearended you has ultimate responsiblity! They are the at-fault party and should be/will be paying for your damages. Keep all your receipts. Be sure to file a claim for EVERYTHING! Additionally, READ YOUR INSURANCE POLICIES - Both Motor Vehicle and Homeowners for any possible coverages. Trailers can have special exclusions or endorsemetns, and each Insurance Company approaches them differently. The owner of the Subaru may have coverage for himself and other's property in the trailer. Who owned the trailer? They could also have coverage. Your own Homeowners (or your parents) MAY also cover some of your damage. It never hurts to review your policy with your Insurance Agent before filing a claim to get an idea of what may/may not be covered, but your agent is never the final word, only the Insurance Claims Professional can make the final call. If the Subaru or trailer owner's insurance pays anything to you, they can expect to be paid back by the at-fault party's insurance (subrogation). All's not lost, just be patient, Insurance Claims take a while to sort out. Hopefully the tractor-trailer driver has a reputable insurance company. Insurance is a very difficult business to understand, so please let me know if you have any questions - I'd be happy to help. I've worked for an Insurance Company for (gulp) 20 yrs now, both in Claims and Insurance Claims Fraud. If the shop has a website, you should post it - shops like that deserve the support of ALL of us! Keep the rubber side down! |
MikeG says:
 I was weighing my options myself: putting my new bike on the rack to Florida , or cramming it in the van. I think I'll go with the latter, just in case I get rear-ended. MikeG Either riding or Thinking of Riding... The madness of MTB, I love it! |
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