Becky Jo’s Carfree Life: Insurance and Bike Cams – BikePortland.org

14April 2020

The husbeast’s bike with dashcam.(Photos by Robert Wagner )Insurance coverage is a challenging thing, especially in times of social and financial uncertainty. I’m constantly contrasted about it: Part of me seems like it’s legislated racketeering, part of me feels like it falls under the idea that” laws keep people free” which has its own set of disputes. Specifically for our purposes here on BikePortland, let’s talk UM/UIM, aka uninsured drivers or under-insured vehicle drivers. When I very first started, there were suggestions of getting some sort of insurance coverage in case I was struck by an individual driving an automobile, and either they kept going or were under/uninsured. When I offered my vehicle, my Geico policy used ever so kindly to keep me on as a cyclist for $60 a month, which appeared pretty high. Pertain to discover later, many insurance companies do not even provide to cover you as a bicyclist unless you likewise have a vehicle. Isn’t that bonkers? Automobile insurance coverage has actually constantly been my least preferred, so I find it hard to believe there’s an opportunity for earning money they’re not exploiting. Possibly the numbers aren’t in our favor? State Farm and Farmers said they do not cover without a vehicle policy. I called Cindy at a regional Farmers Insurance workplace, and she stated drivers, bicyclists, and pedestrians are all covered under personal injury defense under the auto policy in addition to the needed UM/UIM coverage.

My research study was quick and by no means extensive, but more for us to have a basic concept. I have, nevertheless, always quite enjoyed dealing with legal representatives and found calling a few of the BikePortland-listed attorneys more effective to calling more insurance companies. I got Scott Kocher of Online Forum Law Group on the phone and kid, did I drink from the firehose. Scott is a wealth of information, as you popular because he’s likewise composed for BikePortland.

Scott is insistent that we cyclists require UM/UIM insurance coverage. In truth, Scott recommend that you max out the UM/UIM alternative at the $500,000 to $1 million mark if you can. The idea is that if you really get hit and need hospitalization, you’re going to go through the Oregon minimum of $25,000 liability truly rapidly.

I don’t understand if you have actually experienced medical facility billing collections, but they’re ugly and gross. My last kid’s birth, I had excellent private insurance, however the anesthesiologist’s office ruined my billing address, so unbeknownst to me, I had an expense for my epidural drifting about, and it went to collections in less than 6 months. I really had people appearing at my work for an expense I had the insurance and flex cash to pay, but it was too late. I got a subpoena. They did not care. That expense me more than double what it should have– which was only $3,000. Think of blowing through $25,000!

Did I discuss I dislike insurance companies? And I take back what I said about legal representatives– I like all legal representatives except collections lawyers.

What do you do? Do you zip the seat of your trousers, or draw it up and pay the insurance coverage?

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Me and Kidlet on Easter Day Ride caught on Husbeast dashcam. I also asked Scott about cameras. Electronic cameras and insurance coverage appear to go together. Scott was kinda”meh”on electronic cameras for court functions. Sure, he gets in some cases you desire some killer video footage of your weekly training trip or perhaps you desire video to help authorities bust a dangerous motorist. I have actually been watching you on social networks, and have seen combined results from the latter with Portland Authorities. I’ve personally had a driver threaten to strike me with their cars and truck by swerving into me, right in front of a Portland Police officer without nevertheless much as a recognition. (I actually have several relative in police including my mother, so I do not hate police. This specific experience made me more disappointed than anything.)

However the real kicker? Scott has seen the upseting motorist’s legal group decrease the video from a bicyclist, frame by frame, to prove the bicyclist didn’t do enough to avoid getting hit.

THE BICYCLIST DIDN’T DO ENOUGH TO AVOID GETTING HIT?! (I stated this with more swear words on the phone.)

I have actually chewed out pedestrians, bicyclists, and skateboarders to myself from inside my automobile when they’ve pushed it way too close. But you understand, I’m of the mind that if I’m going to murder someone, I wish to plan it. I do not wish to murder somebody without an excellent reason. (Please understand me by now to check out that with tongue-firmly-planted-in-cheek.) But every time I ever have actually got to that scary point of where I’m screaming in my car due to the fact that of a too-close-call, obviously I saw them and I utilized that amazing pedal called a “brake.” It’s a fascinating pedal. It stops countless pounds. I have not murdered anyone to this day, intentionally or otherwise. But to prove a cyclist didn’t avoid my vehicle enough!.?.!?? I’m not stating it doesn’t occur. I have buddies who’ve admitted to facing stopped cars and trucks due to the fact that they spaced out for a couple of seconds; but we all know this is various, ideal? We all understand precisely what Scott was discussing: A vehicle insurance provider battling a hurt human.

Yes, I truly do dislike insurer.

That said, there are lots of proponents of dashcams and bike-mounted web cams. Report has it Multnomah County DA Rod Underhill is a bicyclist and is in favor of web cams.

What are your thoughts? Are you pro/anti bike electronic camera in concerns to security and possibly needing to go to court versus a chauffeur? If so, what has your experience been? Is it worth the expense? And do you constantly have it plugged in? I have a tough adequate time keeping my lights charged.

As constantly, thank you a lot for socializing with me here.

— Becky Jo, @BeckyJoPDX
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