Damn, riding motorcycles must be more dangerous than I thought - GoFuckYourself.com - Adult Webmaster Forum

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baddog

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#1

Damn, riding motorcycles must be more dangerous than I thought

08-01-2006, 04:18 PM

I had neglected to get insurance on the new bike, so since I was going on my long distance trip, I figured I would probably have at least one run in with the law, so called GEICO to add the bike to my policy.

Since the bike is paid for, has a good security system, LoJack, etc I decided to just get liability insurance. One year, with 100/300 was a little under $300, no big deal. Then they offered me uninsured motorist coverage (takes care of me if an uninsured driver takes me out). I couldn't believe the difference.

With a car, UIM is a few bucks, with the bike it bumped it up to $700!!

They must figure the odds of me getting hit are pretty good.

I will have to be sure to try and limit my riding to wealthy neighborhoods where I know everyone is insured.
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wdsguy

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#2

08-01-2006, 04:21 PM

might as well stop riding in LA then since most of the folks here are uninsured.
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baddog

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#3

08-01-2006, 04:39 PM

Originally posted by wdsguy

might as well stop riding in LA then since most of the folks here are uninsured.

That is most likely the problem, I doubt I would notice much of an increase if I lived in Indiana.
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CE_Rashaan

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#4

08-01-2006, 04:43 PM

don't ride solo too much...be careful when passing, ah you know the rest. Happy motoring! Yo I was looking at the new springer with the Bartels 95 on it what do you think? or should I go 113 and then I won't need the thunderheaders.

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Mr Pheer

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#5

08-01-2006, 04:44 PM

get the uninsured coverage. The guy that hit me didnt have insurance and I was pretty fucked for not having uninsured motorist coverage. Its alot cheaper to just pay for the coverage then to pay for everything if you get hit.
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baddog

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#6

08-01-2006, 04:46 PM

Originally posted by MatrixRashaan

don't ride solo too much...be careful when passing, ah you know the rest. Happy motoring! Yo I was looking at the new springer with the Bartels 95 on it what do you think? or should I go 113 and then I won't need the thunderheaders.

That is a lot of bike. You should buy it, then I will lend you my Heritage while you learn and get some miles under your belt. I will break in the Springer for you.

Seriously, if you are going to Bartels' go when I can meet you down there . . . I have some pull there.
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#7

08-01-2006, 04:46 PM

I think it's because they assume if it's someone else's fault, and the driver is uninsured, that they (your insurance company) will be out a bundle.

Anyway, who would be stupid enough to run into a guy like you? They had best maim you if they do hit you, because I am sure they would end up with the worse end of the deal when you learned they were uninsured.

NEWS REPORT: Uninsured motorist stomped by mad biker on the freeway today - witnesses described him as having long hair and a beard, oh...and he took a fisheye picture of himself with the uninsured motorist before (and after) stomping him.

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baddog

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#8

08-01-2006, 04:47 PM

actually, it just dawned on me, didn't you tell me you knew some of the people there already?
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baddog

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#9

08-01-2006, 04:49 PM

Originally posted by AsianDivaGirlsWebDude

NEWS REPORT: Uninsured motorist stomped by mad biker on the freeway today - witnesses described him as having long hair and a beard, oh...and he took a fisheye picture of himself with the uninsured motorist before (and after) stomping him.

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baddog

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#10

08-01-2006, 04:51 PM

Originally posted by MrPheer

get the uninsured coverage. The guy that hit me didnt have insurance and I was pretty fucked for not having uninsured motorist coverage. Its alot cheaper to just pay for the coverage then to pay for everything if you get hit.

Yeah, I know. Of course, if I get the UIM I will get hit by someone with more insurance than me, and if I don't he will be uninsured.
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#11

08-01-2006, 04:51 PM

Everyone falls off a motorcycle at some stage. Its not a matter of if but when.
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#12

08-01-2006, 04:52 PM

you going to Sturgis and you dont have theft on your bike?? man oh man.....that's your hard earned money there

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#13

08-01-2006, 04:56 PM

Originally posted by baddog

actually, it just dawned on me, didn't you tell me you knew some of the people there already?

Yeah, I know Forrest and a lot of the guys there. All of my older cousins are in the Rare Breed MC. I have some hours under my belt but not to much. About a days worth of riding on a Fat Boy and another days worth on a Road King but it had Ape Hangers (totally diffrent ride). Both had 88's and that was alright. That's why I think the 95 will be good. But that 113 is tempting.

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#14

08-01-2006, 04:56 PM

Originally posted by wdsguy

might as well stop riding in LA then since most of the folks here are uninsured.

exactly the same way here in Arizona

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#15

08-01-2006, 04:57 PM

Heard stories about Sturgis. Would luv to go. Not sure I'd make an impression riding in on a Tomos Moped? Would Harley decals help? Sorry that's the biggest bike I trust myself on. Gotta know your limits.
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#16

08-01-2006, 04:58 PM

I think the reason it's more expensive is because if they do have to pay out, the chances of it being a more serious injury are much greater than if you are in a car.

Motorcyles are the safest vehicles on the road, right up until the point of impact.

.
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baddog

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#17

08-01-2006, 04:58 PM

Originally posted by r-c-e

Everyone falls off a motorcycle at some stage. Its not a matter of if but when.

Already got mine in.
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#18

08-01-2006, 04:59 PM

They do, they are, and it hurts.

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baddog

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#19

08-01-2006, 04:59 PM

Originally posted by JFK

you going to Sturgis and you dont have theft on your bike?? man oh man.....that's your hard earned money there

It is all about the Lojack
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L-Pink

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#20

08-01-2006, 05:00 PM

Originally posted by baddog

Yeah, I know. Of course, if I get the UIM I will get hit by someone with more insurance than me, and if I don't he will be uninsured.

Someone backing into it while parallel parking an SUV is probably what a veteran rider (and bar patron) like you might experience.
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baddog

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#21

08-01-2006, 05:00 PM

Originally posted by MatrixRashaan

But that 113 is tempting.

I have thought about adding the kit.
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CE_Rashaan

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#22

08-01-2006, 05:00 PM

Originally posted by baddog

Already got mine in.

Your not a motorcyclist if you havent met the pavement yet.

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reynold

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#23

08-01-2006, 05:02 PM

Just always stay wife while you're with your bike.
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#24

08-01-2006, 05:02 PM

thats what took me out was a uninsured from mexico.. god bless usa

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#25

08-01-2006, 05:05 PM

Originally posted by pussyluver

Heard stories about Sturgis. Would luv to go. Not sure I'd make an impression riding in on a Tomos Moped? Would Harley decals help? Sorry that's the biggest bike I trust myself on. Gotta know your limits.

If you don't trailer it there most guys will be very impressed.
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#26

08-01-2006, 05:05 PM

Originally posted by baddog

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baddog

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#27

08-01-2006, 05:06 PM

Originally posted by pussyluver

Heard stories about Sturgis. Would luv to go. Not sure I'd make an impression riding in on a Tomos Moped? Would Harley decals help? Sorry that's the biggest bike I trust myself on. Gotta know your limits.

You would be surprised with the types of bikes you will find there
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baddog

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#28

08-01-2006, 05:07 PM

Originally posted by L-Pink

If you don't trailer it there most guys will be very impressed.

no doubt
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#29

08-01-2006, 05:08 PM

ouch! that's a big difference in price. Get rid of the bike, get a skate board!
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#30

08-01-2006, 05:10 PM

Originally posted by WarChild

I think the reason it's more expensive is because if they do have to pay out, the chances of it being a more serious injury are much greater than if you are in a car.

Motorcyles are the safest vehicles on the road, right up until the point of impact.

Most motorcycle insurance these days do not cover medical, which is why its only $300 a year.
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pussyluver

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#31

08-01-2006, 05:10 PM

Originally posted by L-Pink

If you don't trailer it there most guys will be very impressed.

For sure, they'd have to surgically remove it from my ass. Gas miliage is great though. Top speed is maybe 35 on a steep downhill run.
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WarChild

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#32

08-01-2006, 05:27 PM

Originally posted by ThunderBalls

Most motorcycle insurance these days do not cover medical, which is why its only $300 a year.

Uninsured motorist protection will cover medical, and that's what we're talking about.

.
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#33

08-01-2006, 05:37 PM

Originally posted by AsianDivaGirlsWebDude

I think it's because they assume if it's someone else's fault, and the driver is uninsured, that they (your insurance company) will be out a bundle.

Anyway, who would be stupid enough to run into a guy like you? They had best maim you if they do hit you, because I am sure they would end up with the worse end of the deal when you learned they were uninsured.

NEWS REPORT: Uninsured motorist stomped by mad biker on the freeway today - witnesses described him as having long hair and a beard, oh...and he took a fisheye picture of himself with the uninsured motorist before (and after) stomping him.

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#34

08-01-2006, 08:11 PM

I agree..you are taking a big risk riding those motorcycles.

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#35

08-01-2006, 08:20 PM

Haven't heard many good things about Geico. Be sure to check the fine print about what is and isn't covered.
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baddog

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#36

08-01-2006, 08:22 PM

Originally posted by Quickdraw

Haven't heard many good things about Geico. Be sure to check the fine print about what is and isn't covered.

What have you heard?
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Quickdraw

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#37

08-01-2006, 08:44 PM

People thinking they have more coverage than they actually have. Like the bare minimum for medical and the other 'little' things people don't think about until it's too late.
Medical is probably the most important from what I understand and of course, expensive.
A lot of times, people that you may talk to on the phone aren't licensed and are simply after a quota. Then it seems after you are signed up, they find some reason to jack your rates.
As far as the Uninsured Motorists coverage, if it's UMPD(uninsured motorists property damage), that is good from what I understand. If it's a generic uninsured motorists coverage, you would be better off with guest passenger insurance, assuming you will have a passenger.
Regular uninsured motorists coverage should not jack your rates that much either(as per your above quote).

Of course, I am not an agent, but I certainly would encourage you to shop around a little. My agent has me with Progressive, and so far I couldn't be happier. My yearly rate for my car is just a little above what you quoted for your motorcycle, and I have really good coverage.
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#38

08-01-2006, 08:49 PM

Originally posted by baddog

I had neglected to get insurance on the new bike, so since I was going on my long distance trip, I figured I would probably have at least one run in with the law, so called GEICO to add the bike to my policy.

Since the bike is paid for, has a good security system, LoJack, etc I decided to just get liability insurance. One year, with 100/300 was a little under $300, no big deal. Then they offered me uninsured motorist coverage (takes care of me if an uninsured driver takes me out). I couldn't believe the difference.

With a car, UIM is a few bucks, with the bike it bumped it up to $700!!

They must figure the odds of me getting hit are pretty good.

I will have to be sure to try and limit my riding to wealthy neighborhoods where I know everyone is insured.

700 a year? for a car and a bike?

liability for my Hayabusa costs me over 2k a year.

motorcycle insurance isn't required in Washington either. i guess it must be in CA?
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#39

08-01-2006, 08:51 PM

Originally posted by Pleasurepays

700 a year? for a car and a bike?

I wish . . . just the bike, and just PL/PD but at 100/300
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#40

08-01-2006, 09:07 PM

Originally posted by baddog

With a car, UIM is a few bucks, with the bike it bumped it up to $700!!

They must figure the odds of me getting hit are pretty good.

I think it more the fact that getting hit on a motorcycle more than likely will end you up in hospital. While getting hit a car is mostly only car damage.
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#41

08-01-2006, 09:16 PM

Originally posted by Pleasurepays

700 a year? for a car and a bike?

liability for my Hayabusa costs me over 2k a year.

A busa and some 2 wheel cruiser are opposite ends of the spectrum
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#42

08-01-2006, 09:29 PM

I just moved from Arizona to California and was stunned when my insurance seriously dropped.

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