Cycle insurance.

[Omega Man]

As some know I'm on a very tight budget. I'm sure I could find a less expensive alternative, but the medical is that important for me. I've worked with many bikers and it usually goes very badly for them, the bills must be horrific.

I figure $20/month for a high level of medical for the driver and rider is well spent.

~O~

 

[dan filipi]

As some know I'm on a very tight budget. I'm sure I could find a less expensive alternative, but the medical is that important for me. I've worked with many bikers and it usually goes very badly for them, the bills must be horrific.

I figure $20/month for a high level of medical for the driver and rider is well spent.

~O~

I have group coverage medical through my company with Kaiser but I find you can never have Too much insurance.

Can you share with us more details of medical coverage for the rider and passenger?

 

[Omega Man]

As some know I'm on a very tight budget. I'm sure I could find a less expensive alternative, but the medical is that important for me. I've worked with many bikers and it usually goes very badly for them, the bills must be horrific.

I figure $20/month for a high level of medical for the driver and rider is well spent.

~O~

I have group coverage medical through my company with Kaiser but I find you can never have Too much insurance.

Can you share with us more details of medical coverage for the rider and passenger?

Before making that post I checked what I could find here at house and on my card but couldn't find any numbers. Since I want to know anyway I'll call my agent tomorrow and post the numbers.

~O~

 

[BigDub]

my bike insurance is practically nothing compared to what i used to pay. i'll tell you who to go to if they service your state but, you need to pm me. Or just call me, 615-517-5535. -BigDub-

I pay like $11/month.

My neighbor showed me his $6month bill and i switched the next day. The way i figure it is if you get in a bike accident, how much damage will you realistically do to another vehicle or person? Usually in bike wrecks, it's common to have one dead rider..... the bike rider. But comparing apples to apples is a necessity. Make sure you have a quote for the same dollar figures of insurance for each category.

i paid less than half at my new place. the broker goes to a specialty motorcycle insurance company. a friend of mine at work switched too and she is also paying half or less of the old rate. People get stuck thinking it SHOULD cost about the same as a car policy? Car vs. motorcycle policy comparison is an apple to an orange!

 

[slabghost]

I'm totally fed up with my car insurance company. Now looking at alternatives. :rant:

 

[rcmatt007]

The way i figure it is if you get in a bike accident, how much damage will you realistically do to another vehicle or person? Usually in bike wrecks, it's common to have one dead rider..... the bike rider. People get stuck thinking it SHOULD cost about the same as a car policy? Car vs. motorcycle policy comparison is an apple to an orange!

actually, you can do quite a bit of damage to another person, and it doesn't take much to have a lot of liability. And if you are dead, your estate is still liable (which if you have a spouse....). I have a friend who went down in a mc accident (not his fault), helicopter lifted out, 5 or 6 surgeries (I lost count) on his leg, lost his job because he could not work, months of recovery.... IF his going down was caused by one of the other bikes in our group (it was not) even a high liability policy would have been exhausted long before he recovered

 

[BigDub]

The way i figure it is if you get in a bike accident, how much damage will you realistically do to another vehicle or person? Usually in bike wrecks, it's common to have one dead rider..... the bike rider. People get stuck thinking it SHOULD cost about the same as a car policy? Car vs. motorcycle policy comparison is an apple to an orange!

actually, you can do quite a bit of damage to another person, and it doesn't take much to have a lot of liability. And if you are dead, your estate is still liable (which if you have a spouse....). I have a friend who went down in a mc accident (not his fault), helicopter lifted out, 5 or 6 surgeries (I lost count) on his leg, lost his job because he could not work, months of recovery.... IF his going down was caused by one of the other bikes in our group (it was not) even a high liability policy would have been exhausted long before he recovered

True. I guess I just like free-balling it. My uncle is paralyzed waste-down from a 3-wheeler accident in the early 80's. I don't have health insurance as I currently subscribe to the belief that even if you do have it, you will ultimately get sick and die. some people live happy healthy lives with not a day in the hospital. many in my family are just that lucky. my job is temporary, i rent my house, i have a little money saved up, i own everthing i possess except a student loan which i should probably pay off tomorrow with some of my savings.

so, i'm debt free have no kids or wife and basically i do carry insurance at the MINIMUMS OF LIABLILITY. I don't drink and drive and seldom speed but when I do, i drive like a paranoid schizophrenic like the eyelids are torn off my body. should i have an extra health benefit for a motorcycle crash, MAYBE........... YES!

i'll check my declarations page when i get home and try to update this post.

 

[Omega Man]

Well my numbers sounded higher than they actually are....

Liability $15,000 me personally, $30,000 per person

Collision $25,000 per person

Medical $15,000 me personally, $30,000 my rider

Not bad, but not great either.... as for the catastrophically injured like the ones I work with, few could afford ten million+ in coverage. If I've got something wrong there...I had a hard time understanding what I wrote down during call to my agent. :doh:

~O~

 

[dan filipi]

If I've got something wrong there...I had a hard time understanding what I wrote down during call to my agent. :doh:

~O~

Yeah I think they make is confusing to trip us up intentionally.

I don't believe the coverage amounts they "say" we're paying for is all the insurance company will pay out.
As my insurance man pointed out to me, our personal liability on the Suburban is only $15,000 property per accident.
He said you could do that much damage to most of the cars around here just by rolling into one.
I have never heard of an insurance company going after an insured individual to collect money or assets over that amount. I think buying more of some coverages is not always necessary.

 

[paddy.shadow]

I'm with a company called Aegis....$110.00 per year for the 'Wing and the Shadow @ 15k and 30k liability. Auto is with Travelers.....4 vehicles 2 teenagers.....$1000.000 per year for Liability only and that is after a claim or two due to the missus...who doesn't seem to miss :smilie_happy:

 

[Pluribus]

Well i found insurance for $216.00 a year thru progressive. Progressive had the best deal i could find, everyone else was outrageous.

 

[macka]

You know that with all the law suits going on, you would pony up and get insurance. Up here in Ontario 2,000,000 coverage is based on the costs awarded in court. That includes treatment and loss of wages (employer cannot fire you for being hurt in an accident up here), as well as pain and suffering. If you just go with the minimum coverage to save a few bucks, you get screwed if you get sued.