Anyone who cycles MUST HAVE their own Auto insurance to protect THEMSELVES in the event someone : 1) hits them, and/or 2) forces them off the road and they get hurt even without contact. Simply, Part 3 and Part 12 of their auto policy needs to be no less than $100/$300,000 coverage. This will protect the cyclist in the event the driver who caused their accident with injuries does NOT have insurance OR ENOUGH insurance to cover their injuries. Part 6 – Med Pay coverage should be at least $10,000-$25,000. The premium for that is about $15-$24, REGARDLESS if they have their own private health care coverage. These coverages are a must. If anyone has any questions, I would be happy to sit down with them and explain it to them. All this coverage MUST be on every car in the household without exception. You can not have high coverage on your spouse’s car with minimum coverage on you car when you get hurt. Coverage ONLY GOES to that car that you own. Don’t skimp on coverage. Sincerely Dennis Calcagno
|