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General Category >> Rubber Side Down! >> Insurance????
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Message started by ditz on 12/03/16 at 08:50:13

Title: Insurance????
Post by ditz on 12/03/16 at 08:50:13

How do you folks insure your rides? I am thinking only getting liability to allow me to get plates. Are you using any special company? I have never had to deal with m/c insurance before.

I just made an offer on a real nice 06' with 7000 miles. No response yet.

Title: Re: Insurance????
Post by Dave on 12/03/16 at 09:00:34

I have Progressive, and my motorcycles only have Liability/Theft on them. They aren't valuable enough to justify comprehensive.....I would think differently if I had a $ 20,000 motorcycle.

Title: Re: Insurance????
Post by old.indian on 12/03/16 at 09:22:22

USAA for year around liability and theft..

Title: Re: Insurance????
Post by Rodger on 12/03/16 at 10:08:43

I have full coverage (collision & comprehensive) on my S40 since it's almost new & possibility of theft in the Big City.

Liability is fairly cheap, so I max that out.

Also, look into availability of Under-Insured Motorist. My hospital bills from a 2013 accident were $120,000, & the at-fault pickup driver only had $100,000 in liability. Uninsured Motorist covers you if the at-fault party has NO insurance; Underinsured Motorist fills the gap that the other party's insurance doesn't cover.

Title: Re: Insurance????
Post by justin_o_guy2 on 12/03/16 at 10:55:48

Shop, get quotes for just liability, liability plus uninsured motorists, collision and comprehensive, and if you're gonna be carrying a passenger, be insured for medical for them.
Being insured for medical can be a big deal.
Kinda depends on the way you use it. You riding more than driving?
It's pencil and paper time.

Title: Re: Insurance????
Post by ditz on 12/03/16 at 12:41:09

I am retired and I doubt that the wife will ever get on even as a passenger. It is basically a toy mostly just short joy rides and simple errands. I will be surprised if I ride it 3000 a year and I will be a warm weather sissy. I have ridden in sub zero temps more than once but I was young and dumb then. 6 or 7 months is about my max here in middle TN. ;D

The fella just accepted my offer so now all I need to do is get a trailer and go pick it up. The big sissy that I am makes it too cold for an hours plus ride home and I no longer have the clothes for it anyway. :-[

Title: Re: Insurance????
Post by justin_o_guy2 on 12/05/16 at 00:21:30

Wise choice. At 60 MPH a comfortably cool day becomes miserable.