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@basileasou Yours states actual cost for 12 months, usually this means there isn't a dollar limit but a time limit (your accomodations would have to be comparable to your existing ones). They will often try and find a place that will take pets, though depending on how many you have that can...

@skikid52 A bike also has much less tire surface area, can only fully brake with one wheel in many situations and at 18 mph will still take a fair distance to stop. I don't think it's reasonable to assume that he didn't react and try and stop quickly as most bikers are very aware of how deadly...

@skikid52 But a bike isn't traveling at the same rate a car would be, and doesn't have features like anti lock brakes. Seems reasonable that even with reasonable reaction time a braking,they could hit the rear.

@idahobangbang You'll both likely be responsible for your full deductible. Even if only one of you claims it, that person will only get half the cost as it's a shared fence. Then there's the fact fences are usually acv only. You might be looking at $400 payment if you're lucky. If it was me...