If you were involved in an accident and your bike was damaged or even totaled there are ways to get it fixed or replaced without any money out of your pocket. In fact, you may even be entitled to money for every day the bike is damaged until it is repaired. Here is how. If the damage was caused by another driver, then the insurance policy of that vehicle is responsible to repair or replace your bike. Technically, you are entitled to the fair market value of your bike at the time of the accident. However, if you were on an expensive road bike, usually you will be able to get the money to buy a brand new one. Since, there is a very small market for used carbon road bikes. Now if your bike is able to be repaired, you may be entitled to daily rental charge for a bicycle until your bike is repaired; even if you did not rent a bike. This is called loss of use.
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If you were responsible for the damage to the bike then you are out of luck unless you purchased separate insurance policy for it. You may be able to make a claim under your homeowner’s policy, but there is usually a cap on what they will pay and a large deductible. If you have any questions regarding bike damage or any injuries you sustained, please feel free to reach out to me. I can be reached directly at 877-CYCLE-88 or at firstname.lastname@example.org.
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