What happens if my bike is totaled in an accident?

If the insured bicycle or e-bike is determined to be a total loss and cannot be repaired, the policy pays the replacement-cost value for equipment of substantially similar kind and quality, with no deduction for depreciation, which may be based on a newer model. Listed accessories that are damaged and not salvageable are included, less the $150 deductible, and not exceeding the Item Amount of Insurance shown on the Declarations page.

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