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Does auto insurance cover bike racks?

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Does auto insurance cover bike racks?

Old 12-10-21, 09:27 AM
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Originally Posted by Vintage Schwinn View Post
The M.O. of all insurance companies is to steamroll their insured and claimant-injured parties. They will tell you something as if it is gospell, although it is nonsense-rubbish in a definitive legal sense, counting on your lack of knowledge of your own rights and recovery proceedures. They count on your trusting nature that believes that they are looking out for your interest, when in reality nothing is farther from the truth, as they want to pay as little as they can with no real regard for even making you anywhere close to even fractionally whole. This is why in all cases, you should at least talk to your buddy who rides with your group, plays golf sometimes with your foursome, or is your cousin's wife who is an attorney, or retired attorney, or a neighbor or somebody you know that is. They are not gonna charge you if you just tell them that the insurance co is dictating this and that and yet refuses this, etc. They should be able to give you certain key phrases and terms to use and actual real requirement obligations that the insurance company must meet based on the general criteria of said policy in that particular state, even without needing to read your insurance policy. It is very likely that your neighbor/friend/family member, practicing or retired attorney can tell you in two minutes what to say and how to say and present it to the insurance company thus that it lights a fire under the adjuster's/ins co settlement rep's ass, that causes them to immediately significantly revise the numbers upward to something a bit more equitable & fair . If you cannot get something that is reasonably equitable in this way, you then call in the pros to handle it, and let your friend or family member's firm go to work on the project. Sometimes that is the only smart solution, because the insurance company is Not your friend and there is a helluva lot that they will not tell you regarding your options, because they don't want to pay, and they look at it as if you are to stupid, naive, and trusting to know exactly what your rights with respect to what you can recover, than they are just gonna run over you. They do like to come quickly, usually with a ridiculously low offer (CHECK presented to or mailed to you within just days) and then they tell you that is all that they will do. If you don't know how the insurance companies play the game of hardball, then you will get the shaft. Attorneys know how because they deal with them (ins companies) on a regular basis. Typically, a normal person may only encounter dealing with an insurance company about once every twenty-five years, and certainly probably not as frequently as once every ten years. Heck yeah, the national advertising for all the various auto insurance companies and property/casualty insurers tries to sell the public that they look out for you, that they are a trusted neighbor and friend, and they know what it means to serve, and that they will do right by you............yeah, it ain't like that because the number one thing that matters is paying out as little as needed and their ideal is paying as little as possible. All of the various companies are equal opportunity offenders in not exactly playing fairly with their policyholders. Those persons that are more knowledgeable about their operational practices and how they game & battle you when they believe you know very little or won't challenge their appraisal/settlement. I'm just cautioning everybody that finds themselves in a situation with an insurance company accident/or theft or fire damage claim, to at least get some immediate "free tutoring" from some friend/family member that is or was a practicing attorney. Otherwise you will get screwed. It doesn't matter who the distinguished/reputable insurance company is! They all have a ruthless/take no prisoners, we don't really give a - - - - about anything except minimizing & limiting the payout whenever and wherever possible, when you believe all the B.S. of what it means to serve, and showing tv ads with twenty five year policy holders and emphatically stating that like a good neighbor, they are there for you. In many situations, you will want and need an attorney to get the best result when dealing with an insurance company. Just like you'd probably ask your CPA or your pal, neighbor who is a CPA, at least a few questions about some notice from the IRS, etc, you should not take it lightly when dealing with the insurance company because you will likely do far better if you know or have someone experienced and knowledgeable that knows what is what, because the insurance company will in fact take advantage of your lack of knowledge. Their adjusters and claims settlers do this every single day as part of their job and they are experts after just one month of such experience, and most that you'll likely deal with will have two or more years of experience. I know this might sound harsh but those insurance folks are equally as good as used car manager/closers are at car dealerships are in steamrolling inexperienced customers. That is their business, and it is a vital part of a successful insurance company today.
Can I buy a paragraph here…. Sheesh! Maybe a summary?
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Old 12-10-21, 09:49 AM
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Originally Posted by sarhog View Post
Can I buy a paragraph here…. Sheesh! Maybe a summary?
You must be knew around here. It's his schtick.
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Old 12-10-21, 07:04 PM
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Originally Posted by sarhog View Post
Can I buy a paragraph here…. Sheesh!
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Old 12-13-21, 03:31 PM
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Your agent knows the particulars of your policy. Ask him/her.
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