Ten thousand yuan frames are abolished as soon as they hit!Where can I buy bicycles?Car dealers and insurance companies respond ...

The urban cycling atmosphere is strong, and the consumption of bicycles and related supporting products with fire. A entry -level bicycle is thousands of yuan, and even high -end bicycles sell for more than 100,000 yuan. But while riding friends, while enjoying the fun of riding, they are also worried that if there is a traffic accident and there is no insurance, this will be troublesome for both parties. Recently, Mr. Zhang, a riding friend, encountered a bad thing. He collided with an electric vehicle in the cycling. The front fork of the carbon fiber carbon carbon fiber was broken and the loss was as high as tens of thousands of yuan.

Car owner

The responsible party of the expensive frame was injured by the accident.

At 10 o'clock in the evening on July 19, when the citizen Mr. Zhang rode the Specialized (lightning) brand bicycle, he collided with a retrograde electric vehicle. According to Mr. Zhang, at the time, the two collided, their bicycle frame was broken, and the body was damaged in many places. Mr. Zhang immediately called the police, and the traffic police issued a traffic accident identification letter on the spot. It was clearly written in the identification book that Mr. Chen, the owner of the electric car owner, was driving in the opposite direction and was responsible for the accident.

Afterwards, Mr. Zhang asked the professionals of the bicycle store to help determine the damage. After inspection, Mr. Zhang's bicycle's bicycles were broken in the front fork of the carbon fiber material.

"After my bicycle is upgraded, it is worth more than 60,000 yuan. The retail price of the light frame is as high as 29,990 yuan, the single price of the crank is 6990 yuan, and the replacement fee and maintenance fee totaled more than 30,000 yuan." Although light, but the use of the integrated injection process, once any damage is damaged, the entire frame must be replaced. Afterwards, Mr. Zhang asked Mr. Chen to compensate more than 30,000 yuan. After the two did not negotiate many times, Mr. Chen directly refused to communicate with Mr. Zhang. Since Mr. Zhang did not report insurance for the bicycle, he could only consider taking legal procedures.

Car dealer

Customers usually buy personal accident insurance by themselves

The unit price of some high -end bicycles is even comparable to a small car. Buying a car, insurance is a necessary service, but buying a bicycle, rarely has bicycle damage insurance.

According to employees of Lightning Bicycle Stores, two customers have had traffic accidents in the past six months, causing bicycles to be broken. Employees said that with the emergence of a new round of "cycling heat", their company also noticed the importance of bicycle damage insurance. At present, Lightning stores in individual first -tier cities have cooperated with insurance companies to report insurance to customers. Do not provide customers with bicycle damage insurance.

Subsequently, the reporter also came to a bicycle store in Xianyue Road and other places, and found that the store did not provide bicycle damage insurance. A clerk said that even in the "cycling circle", there are very few riders who buy professional cycling insurance products. Generally, customers who like to cycling will buy personal accident insurance by themselves.

Insurance company

Rarely launch a bicycle damage insurance

"It is not that we don't want to buy bicycle insurance, but few insurance companies have launched bicycle damage insurance." During the visit, many riders revealed to reporters. The reporter then called a number of insurance companies, and many electricity salesperson said that the company did not have insurance for bicycles. In general, the insurance for riding people was personal accident insurance and third party liability insurance.

Mr. Huang, a person in the cycling circle, believes that the reason why insurance companies rarely launch bicycle damage insurance are that the maintenance costs of bicycle are different. Many bicycle owners also modify their vehicles by themselves, so the implementation of car damage insurance is more difficult. Secondly, because the risk of bicycles is higher and risks are greater, insurance companies will worry about it.

(Text/Xiamen Daily reporter Zhang Yurong)

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