I know my insurance will cover theft of my bikes, been there done that, but really don't know about damage during use. I suspect it would not be covered, the same as how comprehensive won't cover collision and vice versa works with autos. - Sorry to hear about your accident Jerry. Hopefully some good comes from it, by way of informing others to check their insurance and to remember that accidents happen.
@Jerry, that really sucks. Apologies to any insurance folks here, but I've gotten to the point that I hate insurance companies. In my experience, they deny every claim until you argue with them (multiple times), find any excuse to drop your policy (both of my husband's life insurance policies have been dropped for no reason), and pay big dividends to their stockholders on our backs. Grrrrrr. Ok, I'm done. I'm really sorry, Jerry. It shouldn't happen to anyone, never mind a nice guy like you!
@Cynthia, if that were a scene in a movie, people would say "Oh, those things never happen all in such a short time!" We've gotten so far from nature, we disbelieve her in reality! I say: you were truly blessed to have such encounters all in a short time. . I just hit 1000 points. Yay!
I have to share my experience yesterday evening. I met friends "in town" for dinner. While biking to the restaurant this raven flew right past my ear! His wing actually caught my hair! Startled me to say the least. It happened so fast. That was a first ever. On my way home after dinner I decided to take a side trail along a creek instead of my normal route. I saw a wood stork flying into its tree top nest, a large momma turtle laying eggs, a gorgeous Great Blue Heron standing erect at least 4 feet tall, a bluebird dipped in front of me, and a duck with her ducklings walked across the street in front of me. All this as the sky darkened and distant thunder rumbled. I got to my house before the first raindrop fell. Feeling so at peace and knowing that a lasting imprint of my experience had been left on my soul.