While typically you’ll hear stories of the big, bad, evil insurance companies denying claims (which I have no doubt is true) this is about the opposite end of the spectrum. Insurance can and does offer some marvelous protection, occasionally in ways wholly unexpected and highly favorable to the insured. Cue my bike crash in August 2025. Brand new, quite expensive bike. Very damaged impacted vehicle. USAA covered 100% of the property damage to other parties, and the full purchase price of my new bike else $2,000 deductible. This is part two in a four-post series on my experience buying, crashing,…