Part of club members’ dues are used to purchase an insurance policy set up by the League of American Bicyclists which contains two coverages that may be of some value if a member does have an accident while participating in a club ride.

These coverages are:

• An accidental death and dismemberment benefit of $5,000.
• An accidental medical benefit of $10,000 payable in excess of a $500 deductible, and in excess of any other valid and collectible insurance.

For those using e-bikes, our insurance coverage only applies for e-bikes that assist a rider when pedaling.  It specifically excludes type II e-bikes that do not require the rider to pedal.

These coverages are dependent upon the member being signed up for that ride. In short, if you are not signed up for that ride, you are not officially participating in it, and you are not covered by that insurance policy.

There are several other reasons RABA would like to have you sign the ride registration form, but the eligibility for the insurance coverage is probably the most important one for the individual rider.

The benefit is yours. Make yourself eligible to use it if you need to. Be sure to sign the sign-up sheet!

Note: See our Frequently Asked Questions (FAQs) page here to see the procedure for filing a claim under the insurance policy.