If you crash your bike can you claim your safety gear on insurance as part of the loss?
Most insurance companies have a $3000 minimum "additional accessories" part that is always part of the policy, and it may or may not cover safety gear. It's a toss up if there's no counterpart to the crash.
If you're hit by an idiot in a car, you bet the insurance company is coughing up for the safety gear to try to avoid a lawsuit. However, leather is resilient and can often stand several get-offs without any major repairs needed. Helmets on the other hand, need to be replaced after its first drop, even if it's from your kitchen table to the floor.
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