Allstate "bikes never crash alone" - Wrist Twisters
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post #1 of 45 Old 05-20-2010, 12:30 PM Thread Starter
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Allstate "bikes never crash alone"

I can't find it embeded anywhere but the link is here.

Did you see it?

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post #2 of 45 Old 05-20-2010, 12:50 PM
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: They just ruined a perfectly good 919 with after market exhaust and custom painted header and guages.... WTF!

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post #3 of 45 Old 05-20-2010, 12:52 PM
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Cool slow-mo clips. Saw it with the Two Brothers exhaust. Wait... they destroyed two 919s?!

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post #4 of 45 Old 05-20-2010, 01:04 PM
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Well, they were both asphalt with square mirrors. I am guessing they bashed the same one twice. Interesting commercial, but a shame though.

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post #5 of 45 Old 05-20-2010, 01:06 PM
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That just means the will rape you as much as progressive for owning and operating 919

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post #6 of 45 Old 05-20-2010, 01:42 PM
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looks like 2 919s to me..... not cool....

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post #7 of 45 Old 05-20-2010, 01:46 PM
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When I see commercials like that I always hope it's a bike that was previously totalled and rebuilt just to be trashed again.

I have seen one bike crash alone. The rider was drunk and trying to do a burnout on a brand new Harley. The bike shot out from under him and took off across four lanes of traffic then smashed into a wall. He was still standing in a position that looked like he was holding a bike, minus the bike, with a look of horror on his face.

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post #8 of 45 Old 05-20-2010, 02:07 PM
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Quote:
Originally Posted by andrewebay1 View Post
Wait... they destroyed two 919s?!
I'll tell you what happened... The 919 crashed so well in the first vid that they were able to re-use it again for a second one before it truly was messed up enough to warrant retirement.

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post #9 of 45 Old 05-20-2010, 02:12 PM
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Originally Posted by Lord Duckhunter View Post
I'll tell you what happened... The 919 crashed so well in the first vid that they were able to re-use it again for a second one before it truly was messed up enough to warrant retirement.
HAHA

They just put new cans on it. 919s don't get totaled, they get character marks.



Soooooo....maybe that's an exaggeration.

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post #10 of 45 Old 05-20-2010, 02:32 PM
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Quote:
Originally Posted by HondaJim View Post
When I see commercials like that I always hope it's a bike that was previously totalled and rebuilt just to be trashed again.

I have seen one bike crash alone. The rider was drunk and trying to do a burnout on a brand new Harley. The bike shot out from under him and took off across four lanes of traffic then smashed into a wall. He was still standing in a position that looked like he was holding a bike, minus the bike, with a look of horror on his face.
I might pay to see that....

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post #11 of 45 Old 05-20-2010, 02:53 PM
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I might pay to see that....
It was free!

I still don't know how it didn't castrate him.

"Towards the end of the vid, it looks like she may have had a bafflectomy." - MarylandMike
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post #12 of 45 Old 05-20-2010, 03:27 PM
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That just means the will rape you as much as progressive for owning and operating 919
pay 207/yr for ins on my 919 through progressive IN CA.... i wouldnt call that rape.

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post #13 of 45 Old 05-20-2010, 04:27 PM
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Yea, in OH I paid 150/yr with progressive. The 1000rr is something like 800/yr

I thought it was a great ad. And 919's do crassh well.

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post #14 of 45 Old 05-20-2010, 06:01 PM
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my progressive rates are pretty good also. some of the other major companies told me i had a super sport and when i tried to explain the difference they asked me what were the different names the bike was known by i.e. 919, CB900F, they pulled up pics on the web and told me that sense the rear end went up in the air and did not curve over the back tire it was a super sport.

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post #15 of 45 Old 05-20-2010, 06:35 PM
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Quote:
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my progressive rates are pretty good also. some of the other major companies told me i had a super sport and when i tried to explain the difference they asked me what were the different names the bike was known by i.e. 919, CB900F, they pulled up pics on the web and told me that sense the rear end went up in the air and did not curve over the back tire it was a super sport.
LAWLS! guess fender style defines the bike.... wonder what they would say for a aprilla SXV 4.5-5.5 ... underseat exhaust and a fender that doesnt curve down

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post #16 of 45 Old 05-20-2010, 10:32 PM
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Crap! Why did they choose a 919? Cuz it looked great, or cuz it was cheap???

How do you guys get off with $200 a year thru progressive? I'm paying 40 a month here in Dallas. Guess we have a bunch of lousy drivers here who keep running over bikes.

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post #17 of 45 Old 05-21-2010, 09:16 AM
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Originally Posted by touring919 View Post
Yea, in OH I paid 150/yr with progressive. The 1000rr is something like 800/yr

I thought it was a great ad. And 919's do crassh well.
progressive has me at $900 in Co, even if I go to the lowest coverage they have my at $800. I found Daryland Cycle Insurance for $500. Any one know if they are reputable?

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post #18 of 45 Old 05-21-2010, 03:04 PM
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Crap! Why did they choose a 919? Cuz it looked great, or cuz it was cheap???

How do you guys get off with $200 a year thru progressive? I'm paying 40 a month here in Dallas. Guess we have a bunch of lousy drivers here who keep running over bikes.
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Originally Posted by 07919Dave View Post
progressive has me at $900 in Co, even if I go to the lowest coverage they have my at $800. I found Daryland Cycle Insurance for $500. Any one know if they are reputable?

I dont know how you guys are so high.... like i said im at 207/yr ... and thats WITH me being 20... AND with a 2pt moving violation (burnout in my truck).... Its all basic coverage... but honestly on a bike thats worth maybe 4k... and the fact that its a 95% chance that if it gets damaged.... its my fault there's no point to have much more than basic coverage IMO. And this is in CA non the less... where everything is priced way high.

Also id be willing to bet... come this september when my first year of being insured on the 919 is up... my rates will drop even more.... as thats what happened with my dads vtx1800... first year was 280 the second yr woulda been 140.

i have found that calling up and talking to an actual progressive agent proves to be much better than doing anything with them online.

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post #19 of 45 Old 05-21-2010, 04:20 PM
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Originally Posted by nd4spdbh View Post
I dont know how you guys are so high.... like i said im at 207/yr ... and thats WITH me being 20... AND with a 2pt moving violation (burnout in my truck).... Its all basic coverage... but honestly on a bike thats worth maybe 4k... and the fact that its a 95% chance that if it gets damaged.... its my fault there's no point to have much more than basic coverage IMO. And this is in CA non the less... where everything is priced way high.

Also id be willing to bet... come this september when my first year of being insured on the 919 is up... my rates will drop even more.... as thats what happened with my dads vtx1800... first year was 280 the second yr woulda been 140.

i have found that calling up and talking to an actual progressive agent proves to be much better than doing anything with them online.
Do you have medical coverage in that policy?

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post #20 of 45 Old 05-21-2010, 04:56 PM
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you should defiantly always call them and ask about every discount you can, there are a lot, even being a member of honda riders club gets a discount

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post #21 of 45 Old 05-21-2010, 06:14 PM
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Do you have medical coverage in that policy?
nope... thats what i have medical insurance for.

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post #22 of 45 Old 05-21-2010, 08:41 PM
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Originally Posted by 07919Dave View Post
progressive has me at $900 in Co, even if I go to the lowest coverage they have my at $800. I found Daryland Cycle Insurance for $500. Any one know if they are reputable?
That's an amazingly high price! Talk to State Farm, they have me at $267/year for comprehensive on my 919. Progressive quoted me $500/year about a week ago, and I laughed A LOT at them, and then told them why I was laughing. Jerks!

Well, fire the engines! Spur this iron space-pony on!

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post #23 of 45 Old 05-21-2010, 08:52 PM
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when I had my 919 I paid $75 a year with progressive.

I Don't try to explain to people why I ride a motorcycle
"For those who understand, no explanation is needed.
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post #24 of 45 Old 05-21-2010, 10:45 PM
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I pay $400/yr for me and my wife with a Shadow 750 and a V-Strom 650 with Nationwide.

Here's the thing though - that's with the house and car insured as well. They are creeping up the rates on the house at a fast pace and leaving the others alone. The house is rolled into the mortgage payment, so they probably hope that you don't see what's happening as easily.

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post #25 of 45 Old 05-22-2010, 02:11 AM
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i live in the most densly populated state with high ins. prems.
progressive is $459 for full coverage with $15000 medical and trip interupt

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post #26 of 45 Old 05-22-2010, 04:56 AM
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They will recoup the price to the bikes with your insurance.


I use Pekin insurance out of IL, 150 a year full coverage and 150/300 liability with uninsured motorist, and I am over the 1000cc so it puts me in a higher rate.

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post #27 of 45 Old 05-22-2010, 10:13 AM
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This is crap!!! I guess I have to go with Daryland Cycle they are the only ones to offer me something decent.

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post #28 of 45 Old 05-22-2010, 10:20 AM
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same bike lol! Tough lil 9er~!

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post #29 of 45 Old 05-22-2010, 11:35 AM
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Both of the 919's in that clip had the same mirrors (not stock) on em - so it possibly was the same bike shown twice.

But still, wrecking a perfectly good 919 like that is just wrong - that is a set of parts that they could of just given to me

As far as insurance, through State Farm
- $75 a year for just liability
- $90 a year for comprehensive
- $238 a year for collision ($250 deductible)
- $52 a year for uninsured motorist (there are a LOT of them around Portland)

This is with multiple vehicle and home insurance discount though - and I am kinda an old fart

Can you tell I love my 919?

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post #30 of 45 Old 05-22-2010, 01:07 PM
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The last clip was shot first, didnt even dent the tank lol.......They had to drill it into a bridge support to tweak her.

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post #31 of 45 Old 05-22-2010, 03:58 PM
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I'm starting to think some of us are comparing apples and oranges. I'm talking full coverage, not liability only, on my 9er. Are you guys paying $200 a year or less only carrying liability?

Oh, and Dairyland is a reputable motorcycle insurer. I may have to get a quote from them soon.

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post #32 of 45 Old 05-22-2010, 04:50 PM
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Coverages 2007 HONDA CB900F/919
(919 CCs)

Limit Premium
Bodily Injury $25,000/$50,000 $9.36
Guest Passenger Liability Included in Bodily Injury $17.46
Property Damage $15,000 $17.10
Medical Payments $5,000 $109.80
Comprehensive Deductible $500 $101.52
Collision Deductible $500 $270.00
Optional Equipment/
Special Equipment $5,000 Included
Physical Damage Plus No Coverage
Excursion Diversion Yes Included
Rental Reimbursement $45 ($1,350 max) Included
Replacement Cost No Coverage
Towing and Road Service No Coverage
Total by Motorcycle $525.24
Uninsured Motorist
Bodily Injury Rejected
Theft Prevention Fee $1.00
Total Premium $526.24


Thats my Daryland Quote. Very similar to what Progressive has me under right now. However, I have less coverage under progressive and they are charging me $200 more. At this time I made everything as low as it can go on Progressive and I am now paying $781 a year. Time to go with Daryland.

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post #33 of 45 Old 05-22-2010, 10:05 PM
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I use to pay 35 bucks a year with Geico no Medical, and that was the cheap no coverage, just good if I hit someone and the paper to get the tag.

Here in Florida Insurance is not required to tag a bike, so I have to go shop around, but it rides on my auto policy as well. At least that is what telling a cop that will get him off your back about it.

I should go shop around, my Harley was like 117 a year, no medical, I have other medical coverage, but just a reminder, your medical can decide to not cover you if they find out it you were involved in an auto/motorcycle accident, because the auto/motorcycle should have insurance.

That is another thing I have been told.
Not saying it is true..........................

I Can and will ride anything!
Bikes I own:
New addition 1978 CB750Four
2006 919
1994 home built springer
1984 KLR 600
1953 Servi-car (I gotta get this put back together)
1942 WLA (Gotta finish this one as well)
1985 Honda 200M ATC
1985 Honda ATC 70
1997 Yamaha Big Bear 350 4X4 ATV
Early 1984 Ironhead Sporty (Wife has laid claim to this bike)
1986 Sporty that I am putting a ironhead engine into
YEA BIGDAA I Gotta GUN!
It's not that I am punishing YOU, I am just taking YOUR money and giving it to LAZY Asses who refuse to get off the TIT of the Government...Obama to Joe the Plumber
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post #34 of 45 Old 05-23-2010, 04:38 AM
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Quote:
Originally Posted by FloridaMountaintop View Post
I should go shop around, my Harley was like 117 a year, no medical, I have other medical coverage, but just a reminder, your medical can decide to not cover you if they find out it you were involved in an auto/motorcycle accident, because the auto/motorcycle should have insurance.

That is another thing I have been told.
Not saying it is true..........................
my understanding, which I also have no idea if it is true or not is that your medical coverage can refuse if you have other insurance that will cover the costs incurred. every so often my medical insurance company sends me a letter asking if I have any other insurance that they could split or default costs to (been a while since I got one so I don't remember exactly what it said) last fall I broke my wrist when I crashed my bike and because I told the medical clinic I did it in a motorcycle crash my medical insurance denied it at first. I had maybe $100 damage to the bike itself so there was no way I was filing a claim on my bike insurance and having my premiums go up when there was nothing worth fixing on the bike (just scratched the plastics some more). I told the clinic to refile it with my medical and that I'm paying for my premiums so I can choose which insurance I want to use. (my next plan was to say I did it on my wifes dirt bike which does not require insurance for riding offroad so they would have no other excuse at that point) but it went through fine the second time so I don't know what exactly what they can deny.

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For those who don't understand, no explanation is possible."

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post #35 of 45 Old 05-23-2010, 05:55 AM
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They binned that 919 because the owner found out what he was going to get for it if he sold it.

Used 919s, or just about any other bike right now, are super cheap. Good situation if you're buying.

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post #36 of 45 Old 05-23-2010, 06:27 AM
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my understanding, which I also have no idea if it is true or not is that your medical coverage can refuse if you have other insurance that will cover the costs incurred.
That is pretty much the reason why I am going with the motorcycle insurance co for medical payments. I don't want to take the chance of getting into a wreck to find out my Medical won’t cover it because I was on a Motorcycle. I can pay for most things but medical bills are something I think I would have to scrape and scrounge to find the money.

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post #37 of 45 Old 05-23-2010, 08:44 AM
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as far as insurance goes, any who rides has to know this, especially if you live in the following states:
Florida
Hawaii
Kansas
Kentucky
Massachusetts
Michigan
Minnesota
New Jersey
New York
North Dakota
Pennsylvania
Utah

I made a thread a while back:
https://wristtwisters.com/motorcycle-...-coverage.html

here is more info: Fault and No-Fault Car Accidents: Who Pays the Bills After a Car Accident?

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post #38 of 45 Old 05-23-2010, 11:10 AM
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Quote:
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That is pretty much the reason why I am going with the motorcycle insurance co for medical payments. I don't want to take the chance of getting into a wreck to find out my Medical won’t cover it because I was on a Motorcycle. I can pay for most things but medical bills are something I think I would have to scrape and scrounge to find the money.
Actually, your medical insurance will cover you in any type of accident, whether you fell off your roof or crashed your bike. The issue that comes up is that any insurance company doesn't want to pay out a claim that you've also filed with another insurance company. In other words, you shouldn't get double payments for the same accident. So when you file a claim with your motorcycle insurer for bodily injury, your medical insurer is going to want to deduct whatever payments you received from the other company before they start writing you checks, too. Make sense?

The reason to pay for additional insurance is that some medical policies have limits on the amount that they will pay, which is where your additional insurance could start picking up the tab. Another reason might be if your medical insurance has huge deductibles before it begins paying, in which case you might decide to file with the motorcycle insurance and deal with a smaller deductible. In some cases, you might even be able to file on the medical first, then file on the auto/motorcycle to reimburse for the amount of your health deductible that wasn't paid. What you have to be careful about is that you're not trying to come out ahead and be paid more back than you actually spent on medical bills. That's called insurance fraud and could land you in jail.

Every situation is different depending upon your health insurance coverage. But if you have typical health insurance coverage from your employer, there is no way they should be able to deny an accident claim just because you were on a motorcycle.

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post #39 of 45 Old 05-23-2010, 03:19 PM
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Quote:
Originally Posted by mattf View Post
my understanding, which I also have no idea if it is true or not is that your medical coverage can refuse if you have other insurance that will cover the costs incurred. every so often my medical insurance company sends me a letter asking if I have any other insurance that they could split or default costs to (been a while since I got one so I don't remember exactly what it said) last fall I broke my wrist when I crashed my bike and because I told the medical clinic I did it in a motorcycle crash my medical insurance denied it at first. I had maybe $100 damage to the bike itself so there was no way I was filing a claim on my bike insurance and having my premiums go up when there was nothing worth fixing on the bike (just scratched the plastics some more). I told the clinic to refile it with my medical and that I'm paying for my premiums so I can choose which insurance I want to use. (my next plan was to say I did it on my wifes dirt bike which does not require insurance for riding offroad so they would have no other excuse at that point) but it went through fine the second time so I don't know what exactly what they can deny.

Exactly, my wife crashed her Sporty, and went to the doc a few days later because her neck hurt, I TOLD HER to tell them it happened on a dirt bike on a dirt track and leave it at that, she told them it was her Sporty, so the clinic went the Cycle Insurance route, so I told them NO it was a dirt bike and they went ahh sorry and filed it on my Military retirement insurance I pay into, low co=pay ect..... So you see why I posted it, and expirenced it as well!

I Can and will ride anything!
Bikes I own:
New addition 1978 CB750Four
2006 919
1994 home built springer
1984 KLR 600
1953 Servi-car (I gotta get this put back together)
1942 WLA (Gotta finish this one as well)
1985 Honda 200M ATC
1985 Honda ATC 70
1997 Yamaha Big Bear 350 4X4 ATV
Early 1984 Ironhead Sporty (Wife has laid claim to this bike)
1986 Sporty that I am putting a ironhead engine into
YEA BIGDAA I Gotta GUN!
It's not that I am punishing YOU, I am just taking YOUR money and giving it to LAZY Asses who refuse to get off the TIT of the Government...Obama to Joe the Plumber
FloridaMountaintop is offline  
post #40 of 45 Old 05-27-2010, 10:24 AM
Tirone
 
Join Date: May 2010
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My two cents worth

I was reading thru the comments on this discussion thread and thought I would throw in my two cents worth. I do happen to know a bit about this topic as I own an Allstate insurance agency west of Chicago. In addition, I am also the Founder & President of the Rescue Riders and a writer for several motorcycle magazines.

Let me start by saying my comments here are not a sales pitch but rather my attempt to help fellow bikers better understand motorcycle insurance. From the comments I read here, we seem to be comparing apples to oranges. To help us all compare policies I think it may help to explain the mechanics of a motorcycle policy. Below is an article I wrote for Saddle Tramp & Thunder Roads magazines. I hope this helps.

Welcome back to the Bull Pen. It sure is great to see the warm weather return and all of my fellow bikers enjoying some overdue two wheel therapy. I recently picked up Betty (2009 Street Glide) from the shop after a lengthy repair. Unfortunately, I was hit by a suburban assault vehicle (Mini Van) in December while returning from the Chicagoland Toys for Tots run. Both Betty and I are glad to be on the road again.

Many of you know I am an insurance agent and frequently ask insurance related questions so I thought I would share some important information about your motorcycle insurance. Your motorcycle insurance is like a parachute. You don't really appreciate it until you need it. I hope you read on and understand how your policy can protect you, your family and your property.

Are you ready? Well then, let's get started. As consumers, we have been conditioned to compare insurance based upon price. If you have seen the Progressive Insurance television commercials Flo tells us all how you can save money. Let me say that even though I think Flo is a "hottie" I want you to focus on your individual needs first and then look at the price. Let me break down some of the key components in your policy.

Bodily Injury/Liability: This is the portion of your policy that protects your liability when you cause harm to another individual. If you are in an accident and it's your fault, you are protected up to the limits of your policy. Quite often I talk to bikers who have $20,000/$40,000 of liability protection. This means if you harm another person, your policy will pay up to $20,000 per person and $40,000 per accident on your behalf to the injured person or persons. A few years back I was hit head on by a minivan which left 60 staples in my head, broke my collar bone and all of the ribs on my right side. My medical bill was $14,000 and I did not stay in the hospital overnight. I share this with you to demonstrate how quickly your liability can add up.

Uninsured/Underinsured Liability: Many folks ask me what this is. In a nutshell, this is coverage for you. Unfortunately Illinois only requires motorists to carry a minimum of $20,000 of liability coverage. Some states do not require motorists to carry any liability insurance. If someone injures you and they do not have insurance or sufficient insurance coverage to pay for your damages, your Uninsured/Underinsured coverage can pick up the slack. This is one of the most important elements of your policy and very often overlooked.

Property Damage: This is the protection you have if you damage other folk's property. Most of you carry $50,000 of property damage on your policies. What this means is that if you cause an accident and a BMW hits a Corvette, all you have to repair or replace their vehicles is $50,000. Don't get caught in this trap. All motorcyclists need at least $100,000 of property damage. The good news here is that it typically costs less than $20 years to upgrade from $50,000 to $100,000 so don't delay. I often hear the objection, how much damage can my bike cause to another vehicle. You don't even need to make contact with another vehicle to be at fault. If you are ticketed and two vehicles collide you are responsible to repair or replace their vehicles. I have personally seen $100,000 property damage claims where the bike was not damaged but the operator was found to be at fault. Don't let this happen to you.

Guest Liability: Do you ever take passengers for rides? If you do you should have Guest Liability Coverage. These levels are typically consistent with your Bodily Injury and Underinsured/Uninsured coverage. This component of your policy covers your liability when carrying a passenger. In other words, if you are in an accident and your passenger is injured, you could be sued for damages. If your policy provides this coverage you are protected up to the limits of your policy. Now for the scary part. Many motorcycle policies do not provide this coverage. If you don't have this on your policy, ride solo.

Collision: This is the component of your policy that pays to replace or repair your scooter. You choose the deductible that fits your budget and your motorcycle will be repaired or replaced up to the market value of your bike. Now if you are like me you have probably added some bling to your scooter along the way. What happens if your bike is wrecked? Read on.

Optional Equipment: If you are riding a stock bike skip to the next section. If you have upgraded your bike you need optional equipment coverage. Most insurance agents mess this part up. Here is how optional equipment coverage works. Let's say that you added a Mustang seat ($650) Bassani Exhaust ($850) and Custom Wheels ($2000) and a Baker six speed transmissions ($2500). Your agent may tell you that you need $6000 of optional equipment coverage. Sorry to tell you this but if you took that advice you are paying too much. In calculating the correct dollar amount of Optional Equipment coverage you need we need to determine the difference between your upgrades and the original stock components. Let's assume your bike is damaged in an accident. You already have coverage to repair/replace your stock components less your deductible. If your policy will already pay for a stock exhaust ($350) and stock wheels ($1000) and stock transmission ($1450) all you need to do is cover the difference which in this case would be $3200. Many policies already include some coverage for Optional Equipment so if your policy covers $1000 of optional equipment already, add the $2200 and you are covered. If you have custom paint or engine upgrades you typically want to cover those at the full value of the upgrades.

Comprehensive: This component of your policy typically covers you for incidents that occur when you are not riding your scooter. There are a few exceptions to this but that's another topic in itself. If your scooter is vandalized, damaged by hail etc your comprehensive will pay to repair or replace your vehicle less your deductible.

Rider Protection: This is an Allstate exclusive. A few years ago the pointy heads at Allstate asked me to help them design a new motorcycle policy. My reaction was why are we offering what everybody offers? Let's reinvent motorcycle insurance. We did. Most motorcycle insurance companies offer much of the same "stuff". Up to now, none of the motorcycle insurance companies offered protection for the rider. Our new Rider Protection package will pay you if you are injured and cannot work as the result of an accident. The payments will continue as long as you are unable to return to work. In addition, we can also include $15,000 of life insurance if the worst happens. As bikers, we all like to think that we will never be in an accident or worse but having been in several myself, I can tell you this does happen more than we would like to think. Since this is a farily new offering in the marketplace, it is not available in every state yet.

So what do I recommend you should carry in terms of coverage? It really depends on your needs. Are you married? Do you have children? A mortgage? Your policy should fit your needs. Don't hope you are covered, know so.

I hope this helps you better understand the components of your motorcycle insurance policy. If you have additional questions please post them and I will help find answers for you. Until next time, enjoy the ride.

Dean "Bull" Akey

Rescue Rider is offline  
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