Insurance
WHO IS INSURED?
Members who have filled out the application form, paid club dues, and submitted a signed waiver, for the current year.
SUMMARY OF BENEFITS (limitations apply):
Participant accident: $10,000 medical benefit with $500 deductible.
General liability: $1,000,000, unlimited legal defense costs
COVERED ACTIVITIES
- Recreational club rides – organized, conducted, and supervised by club members, and published so that members have equal access. If it’s a club-wide activity, it should be published in a club-wide bulletin. If it’s a local chapter activity, it’s OK to just publish it within the local chapter.
- Individual time trials are covered, but Team Time Trials are NOT covered.
EXCLUDED ACTIVITIES
- Racing. Racing is any activity in which individuals are engaged in direct, speed competition with other riders. The Adobo Velo Crits are not covered by insurance.
- Mountain / Offroad biking. Not covered
- Team Time Trials. Not covered. (However, Individual Time Trials are covered.)
- Special events. Bike rides organized by Adobovelo that charge an entrance fee are NOT covered unless Adobovelo purchases insurance for that particular event.
- Unscheduled / Unpublished / Unannounced / Impromptu rides (i.e., insufficient notice was given to notify all members of the ride). Not covered
- Solo training. Not covered
- Non-club rides (events organized by other clubs or organizations). Not covered
HOW TO FILE AN INCIDENT REPORT
(Try our text-only site if your internet is slow.)
Step 1. Inform your chapter director about your accident as soon as possible (preferrably within 3 days).
Step 2. Download and fill out the MS Word form Incident Report, and email it to adobovelo@gmail.com within 3 days.
Don’t skip this step, as there’s no other way to gather the required information.
This is not a claim form for submitting your expenses. This is just a notification to the insurance company that you were in an accident, so they can start a “case file”.
Adobovelo’s insurance administrator will review your form for completeness, and then submit it to the insurance company.
Step 3. The insurance adjuster will contact Adobovelo to verify (a) your membership, (b) that your accident was during a club ride, and (c) that the event was not an excluded activity.
Step 4. The insurance adjuster will contact the injured member directly and provide the next steps.
HOW TO REPORT AN ACCIDENT
WHO IS INSURED?
Members who have filled out the application form, paid club dues, and submitted a signed waiver, for the current year.
SUMMARY OF BENEFITS (limitations apply):
Participant accident: $10,000 medical benefit with $500 deductible.
General liability: $1,000,000, unlimited legal defense costs
COVERED ACTIVITIES
- Recreational club rides – organized, conducted, and supervised by club members, and published so that members have equal access. If it’s a club-wide activity, it should be published in a club-wide bulletin. If it’s a local chapter activity, it’s OK to just publish it within the local chapter.
- Individual time trials are covered, but Team Time Trials are NOT covered.
EXCLUDED ACTIVITIES
- Racing. Racing is any activity in which individuals are engaged in direct, speed competition with other riders. The Adobo Velo Crits are not covered by insurance.
- Mountain / Offroad biking. Not covered
- Team Time Trials. Not covered. (However, Individual Time Trials are covered.)
- Special events. Bike rides organized by Adobovelo that charge an entrance fee are NOT covered unless Adobovelo purchases insurance for that particular event.
- Unscheduled / Unpublished / Unannounced / Impromptu rides (i.e., insufficient notice was given to notify all members of the ride). Not covered
- Solo training. Not covered
- Non-club rides (events organized by other clubs or organizations). Not covered
HOW TO FILE AN INCIDENT REPORT
(Try our text-only site if your internet is slow.)
Step 1. Inform your chapter director about your accident as soon as possible (preferrably within 3 days).
Step 2. Download and fill out the MS Word form Incident Report, and email it to adobovelo@gmail.com within 3 days.
Don’t skip this step, as there’s no other way to gather the required information.
This is not a claim form for submitting your expenses. This is just a notification to the insurance company that you were in an accident, so they can start a “case file”.
Adobovelo’s insurance administrator will review your form for completeness, and then submit it to the insurance company.
Step 3. The insurance adjuster will contact Adobovelo to verify (a) your membership, (b) that your accident was during a club ride, and (c) that the event was not an excluded activity.
Step 4. The insurance adjuster will contact the injured member directly and provide the next steps.