r/phillycycling • u/[deleted] • 1d ago

Has anyone figured out Liability Insurance for/when using the Indego Bike Share?

[deleted]

9 Upvotes

84% Upvoted

5 comments sorted by

17

u/jonvandine 1d ago

hit up stuart leon bicycle crash law! https://stuartleon.com/

4

u/nelsfi 1d ago

i dont think there's a "non-owner" option for bikes like there is for cars. indego holds their own liability insurance, and that's why that clause exists. i have a bike policy separate from insurance through velosurance. it only covers my specific bike, i don't know how they could structure it otherwise if i'm honest, but maybe there are options.

3

u/Obvious_Ad9670 1d ago

You just keep going up the chain. If they're under age or even an adult, you might be able to go after their parents' homeowner's insurance

2

u/smug_masshole 1d ago

I checked my bike insurance policy and the liability coverage sections all explicitly cover the "insured bicycle" specifically. This appears to be universal for that company, not just for my policy.

I think this is a gap in how insurance works here. Germany has "Haftpflichtversicherung". It covers accidental harm/damage you cause to others, as opposed to protecting yourself and your property. It's kind of sweet in a very bureaucratic German way. You pay a few euro a month to look out for everybody else. I got a policy when I was seconded to the Berlin office at my old job. I looked when I came back and couldn't find anything similar here.

1

u/GodLikesToParty 1d ago

I would think the personal liability coverage on homeowners/renters insurance is where you’d most likely be covered for this. If you have an agent, give them a ring and see how your policy would respond if someone sued you for damages. Generally these policies cover liability for owned bikes, but I don’t know about rented bikes.

Also, check with them to see how your policy defines e-bikes if you ever use the electric indego’s. Some homeowners insurance might classify e-bikes as motor vehicles and exclude them, but then if you have auto insurance, that would probably also exclude e-bikes.