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Search: Posts Made By: noise boy
Showing results 1 to 50 of 773
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Forum: "The 33"-Road Bike Racing
05-09-17, 03:46 PM
Replies: 104
Views: 11,404
Posted By noise boy

Same from allstate, i am working from memory, but...

Same from allstate, i am working from memory, but I remember it being about $120 per year for me as a single dude.
Forum: "The 33"-Road Bike Racing
05-09-17, 06:45 AM
Replies: 104
Views: 11,404
Posted By noise boy

Exactly so, it picks up where your homeowners...

Exactly so, it picks up where your homeowners ends, in my case 300k.
Forum: "The 33"-Road Bike Racing
05-08-17, 10:52 PM
Replies: 104
Views: 11,404
Posted By noise boy

Part of your homeowners policy is liability...

Part of your homeowners policy is liability coverage, it covers incidents in and away from your house, other than car incidents.
Forum: "The 33"-Road Bike Racing
05-08-17, 02:56 PM
Replies: 104
Views: 11,404
Posted By noise boy

It's actually both. As an example, someone comes...

It's actually both. As an example, someone comes to your house and falls down your stairs and ends up paralyzed. That will burn through your standard homeowners liability coverage fairly quickly.
Forum: "The 33"-Road Bike Racing
05-08-17, 02:38 PM
Replies: 104
Views: 11,404
Posted By noise boy

Definitely worth checking in to, it's pretty...

Definitely worth checking in to, it's pretty cheap as far as insurance goes.
Forum: "The 33"-Road Bike Racing
05-08-17, 02:38 PM
Replies: 104
Views: 11,404
Posted By noise boy

It's a pretty standard amount of insurance, that...

It's a pretty standard amount of insurance, that is what Allstate offered me. I am not sure you can get one for any less of an amount.
Forum: "The 33"-Road Bike Racing
05-08-17, 01:44 PM
Replies: 104
Views: 11,404
Posted By noise boy

I am not a license holder :(

I am not a license holder :(
Forum: "The 33"-Road Bike Racing
05-08-17, 01:29 PM
Replies: 104
Views: 11,404
Posted By noise boy

Is there any mechanism to bring this up to USAC?

Is there any mechanism to bring this up to USAC?
Forum: "The 33"-Road Bike Racing
05-08-17, 12:54 PM
Replies: 104
Views: 11,404
Posted By noise boy

That's on my agenda. I spoke with Allstate about...

That's on my agenda. I spoke with Allstate about it, the policy itself isn't that expensive (about $120 per year) but I would have to raise the liability on my homeowners to 300K (currently 100K)...
Forum: "The 33"-Road Bike Racing
05-08-17, 12:50 PM
Replies: 104
Views: 11,404
Posted By noise boy

Interesting, I guess to race a USAC sanctioned...

Interesting, I guess to race a USAC sanctioned event you have to buy a one day license?

I agree, it would be interesting to see if they have fixed that yet for Gran Fondos. My bet is probably...
Forum: "The 33"-Road Bike Racing
05-08-17, 12:32 PM
Replies: 104
Views: 11,404
Posted By noise boy

No problem, as I mentioned in the original post,...

No problem, as I mentioned in the original post, I figured that this forum would know more about this than any other.
Forum: "The 33"-Road Bike Racing
05-08-17, 12:31 PM
Replies: 104
Views: 11,404
Posted By noise boy

Yeah, it was a total ****show from all sides. I...

Yeah, it was a total ****show from all sides. I am glad it's over, wasn't looking forward to potentially getting screwed by a South Florida jury on this. My big concern was the potential for the...
Forum: "The 33"-Road Bike Racing
05-08-17, 11:09 AM
Replies: 104
Views: 11,404
Posted By noise boy

I don't know what her medical expenses were in...

I don't know what her medical expenses were in the end. I know after 2+ years of this crap, she actually went and got the surgery that the doctors had been recommending for 2 years to correct...
Forum: "The 33"-Road Bike Racing
05-08-17, 11:07 AM
Replies: 104
Views: 11,404
Posted By noise boy

No non-disclosure for me, or settlement...

No non-disclosure for me, or settlement agreement, that was between her and allstate.
Forum: "The 33"-Road Bike Racing
05-08-17, 10:13 AM
Replies: 104
Views: 11,404
Posted By noise boy

I understand all of that, but I honestly don't...

I understand all of that, but I honestly don't care how it shook out for her personally. It was a straight up money grab on her part.

So now that all of the details are settled, here are some...
Forum: "The 33"-Road Bike Racing
05-08-17, 07:44 AM
Replies: 104
Views: 11,404
Posted By noise boy

So, 3 years after the incident, this has finally...

So, 3 years after the incident, this has finally been resolved. She is getting 75K from Allstate (my insurer). What a colossal pain in the butt. This has definitely re-affirmed my belief that I...
Forum: "The 33"-Road Bike Racing
03-01-16, 03:02 PM
Replies: 104
Views: 11,404
Posted By noise boy

Update! I got deposed by the plantiff's lawyer...

Update! I got deposed by the plantiff's lawyer earlier this month. About an hour of telling my side of the tale. I did make sure to re-affirm on the record that she ran into me. Also that she...
Forum: "The 33"-Road Bike Racing
10-21-15, 06:53 PM
Replies: 104
Views: 11,404
Posted By noise boy

Correct, but now they are going to get a subpoena...

Correct, but now they are going to get a subpoena for that, and probably for a copy of the liability insurance that they provided for the promoter, and anything else my lawyer thinks will be useful.
Forum: "The 33"-Road Bike Racing
10-21-15, 06:45 PM
Replies: 104
Views: 11,404
Posted By noise boy

Meh, I am a nice guy :)

Meh, I am a nice guy :)
Forum: "The 33"-Road Bike Racing
10-21-15, 06:44 PM
Replies: 104
Views: 11,404
Posted By noise boy

Apparently USAC has an accident report of the...

Apparently USAC has an accident report of the incident, but won't release it without a subpoena. Serious stonewalling.
Forum: "The 33"-Road Bike Racing
10-21-15, 01:25 PM
Replies: 104
Views: 11,404
Posted By noise boy

No punching on my part, just a stupid low speed...

No punching on my part, just a stupid low speed accident. When this first came up, I was OK with having my insurance cover her medical bills, but once they demanded 300K I became much more of the...
Forum: "The 33"-Road Bike Racing
10-21-15, 10:34 AM
Replies: 104
Views: 11,404
Posted By noise boy

I am not a "member" as such, I don't hold a USAC...

I am not a "member" as such, I don't hold a USAC license. That was the take of my lawyer as well as far as the assumption of risk stuff.

I am down with that, it's on my shopping list now, to get...
Forum: "The 33"-Road Bike Racing
10-21-15, 10:32 AM
Replies: 104
Views: 11,404
Posted By noise boy

They aren't and exactly so the lawyer is paid by...

They aren't and exactly so the lawyer is paid by the insurance company, but is working for me. So far the only demand was the original 300K (My policy limit), but they went ahead and filed the...
Forum: "The 33"-Road Bike Racing
10-21-15, 09:18 AM
Replies: 104
Views: 11,404
Posted By noise boy

The courts have already given the go ahead to the...

The courts have already given the go ahead to the suit, at least for the moment. Once the discovery period is done, that's when the move to dismiss would happen. The insurance company's lawyers...
Forum: "The 33"-Road Bike Racing
10-20-15, 12:06 PM
Replies: 104
Views: 11,404
Posted By noise boy

That increases my faith in humanity :)

That increases my faith in humanity :)
Forum: "The 33"-Road Bike Racing
10-20-15, 11:09 AM
Replies: 104
Views: 11,404
Posted By noise boy

As mentioned, the release prohibits you from...

As mentioned, the release prohibits you from suing everybody but another rider :) Drag.
Forum: "The 33"-Road Bike Racing
10-20-15, 11:01 AM
Replies: 104
Views: 11,404
Posted By noise boy

It was actually after we had turned into the...

It was actually after we had turned into the parking lot that housed the rest stop, which was huge, so it wasn't clear where the rest stop actually was within it. The nephew thing was done to get...
Forum: "The 33"-Road Bike Racing
10-19-15, 08:04 PM
Replies: 104
Views: 11,404
Posted By noise boy

That and the lie that it is at the heart of the...

That and the lie that it is at the heart of the complaint about who hit whom. Like I said, I will never participate in any event like this again, too many lawyers and money grubbing folks with no...
Forum: "The 33"-Road Bike Racing
10-19-15, 07:55 PM
Replies: 104
Views: 11,404
Posted By noise boy

They are, hence why no money has changed hands...

They are, hence why no money has changed hands yet. No damage to either bike, like I said this was a 5mph crash at most.
Forum: "The 33"-Road Bike Racing
10-19-15, 07:50 PM
Replies: 104
Views: 11,404
Posted By noise boy

Agreed, it's legal name is "Failure to maintain...

Agreed, it's legal name is "Failure to maintain safe following distance".
Forum: "The 33"-Road Bike Racing
10-19-15, 07:44 PM
Replies: 104
Views: 11,404
Posted By noise boy

Exactly, but by covering that, they reduce the...

Exactly, but by covering that, they reduce the likelihood of lawsuits like this, at least to a certain extent. Assuming I don't have to go bankrupt, I am going to look into a personal umbrella...
Forum: "The 33"-Road Bike Racing
10-19-15, 07:39 PM
Replies: 104
Views: 11,404
Posted By noise boy

USAC actually offers it to members, as I...

USAC actually offers it to members, as I discovered doing some research.
Forum: "The 33"-Road Bike Racing
10-19-15, 07:35 PM
Replies: 104
Views: 11,404
Posted By noise boy

I understand that, but if I hire my own lawyer...

I understand that, but if I hire my own lawyer and still lose to the point of exceeding my coverage limits, then I am no where. I am saving the lawyer money to go immediately bankrupt if that's the...
Forum: "The 33"-Road Bike Racing
10-19-15, 07:31 PM
Replies: 104
Views: 11,404
Posted By noise boy

Thanks, when it was asking for my insurance info...

Thanks, when it was asking for my insurance info to cover med expenses I was OK with it, but with the ridiculous demand and no documentation, I am much more in the screw you mode :)
Forum: "The 33"-Road Bike Racing
10-19-15, 07:28 PM
Replies: 104
Views: 11,404
Posted By noise boy

That has always been my assumption as far as any...

That has always been my assumption as far as any enviroment such as a race. Don't be a doosh, and try not to take people out. Otherwise life is full of unfortunate moments, but that doesn't mean...
Forum: "The 33"-Road Bike Racing
10-19-15, 07:23 PM
Replies: 104
Views: 11,404
Posted By noise boy

I am being very careful. The lawyer for the...

I am being very careful. The lawyer for the insurance company (So my lawyer) has the waiver. Other than naming the promoter in the first part of the document, it is the exact same waiver as the...
Forum: "The 33"-Road Bike Racing
10-19-15, 07:17 PM
Replies: 104
Views: 11,404
Posted By noise boy

What this has taught me is that I will never do...

What this has taught me is that I will never do anything like this again. I am OK with accepting my own fate, but the exposure is too high and being in America, where lawsuits are seen as the path...
Forum: "The 33"-Road Bike Racing
10-19-15, 07:13 PM
Replies: 104
Views: 11,404
Posted By noise boy

Correct, but does it not protect me from other...

Correct, but does it not protect me from other riders, all of whom signed the same waiver?
Forum: "The 33"-Road Bike Racing
10-19-15, 07:08 PM
Replies: 104
Views: 11,404
Posted By noise boy

Only a hand injury. Otherwise it's a he said/she...

Only a hand injury. Otherwise it's a he said/she said deal. The complaint's version has me running into the other rider, which is exactly what did not happen. It was at a rest stop in a parking...
Forum: "The 33"-Road Bike Racing
10-19-15, 03:19 PM
Replies: 104
Views: 11,404
Posted By noise boy

It was a gran fondo, but yes I agree.

It was a gran fondo, but yes I agree.
Forum: "The 33"-Road Bike Racing
10-19-15, 03:07 PM
Replies: 104
Views: 11,404
Posted By noise boy

Close, someone crashed into me at a USAC event,...

Close, someone crashed into me at a USAC event, and is now suing me for injuries. So far my homeowners insurance is running with it, but there is a potential that a judgement could exceed my...
Forum: "The 33"-Road Bike Racing
10-19-15, 03:03 PM
Replies: 104
Views: 11,404
Posted By noise boy

wat, wut?

wat, wut?
Forum: "The 33"-Road Bike Racing
10-19-15, 02:43 PM
Replies: 104
Views: 11,404
Posted By noise boy

I got the release of the organizers part, but it...

I got the release of the organizers part, but it seems that it implies that you also release the other riders since potential collisions are listed as a known problem. One thing is for certain, I...
Forum: "The 33"-Road Bike Racing
10-19-15, 02:21 PM
Replies: 104
Views: 11,404
Posted By noise boy

USAC release

So my question is doesn't the USA cycling release I signed as part of a cycling event permitted by them protect me from liability in the event of a crash during the event, assuming there wasn't...
Forum: General Cycling Discussion
10-19-15, 02:20 PM
Replies: 17
Views: 834
Posted By noise boy

I believe I will.

I believe I will.
Forum: General Cycling Discussion
10-19-15, 02:14 PM
Replies: 17
Views: 834
Posted By noise boy

Again, we shall see. One thing is absolutely...

Again, we shall see. One thing is absolutely for certain, I am never doing any sort of organized ride again, right now I am shopping for a bankruptcy lawyer as a back-up plan.
Forum: General Cycling Discussion
10-19-15, 02:05 PM
Replies: 17
Views: 834
Posted By noise boy

Hmmm, we'll have to see what the lawyers make of...

Hmmm, we'll have to see what the lawyers make of it. I see what you are saying, but the "Fully assume the risks associated with such participation" says to me that you are on your own.
Forum: General Cycling Discussion
10-19-15, 01:55 PM
Replies: 17
Views: 834
Posted By noise boy

Correct me if I am wrong, but doesn't this...

Correct me if I am wrong, but doesn't this paragraph pretty much state that everybody is on their own?
Forum: General Cycling Discussion
10-19-15, 10:37 AM
Replies: 17
Views: 834
Posted By noise boy

Agreed. See modified post :)

Agreed. See modified post :)
Forum: General Cycling Discussion
10-19-15, 10:36 AM
Replies: 17
Views: 834
Posted By noise boy

nm

nm
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