GolfHos
 
*
November 28, 2021, 10:47:23 AM
Username: Password: Duration:

Is motorcycle insurance different?

 
Pages: [1]   Go Down
  Print  
Author Topic: Is motorcycle insurance different?  (Read 1939 times)
0 Members and 1 Lurker/Spider are viewing this topic.
spacey
Amazing Technicolor Dreamcoat
From: Group W Bench

Karma: 98
Posts: 7729
Offline Offline


View ProfileIgnore this user
Is motorcycle insurance different?
« on: July 26, 2008, 06:23:08 PM »

For my own edification, with a request for clarification specific to my policy, and realizing there are other variables in state law and individual insurance policies: my brother insists motorcycle insurance works differently than auto insurance and if you're not listed on the policy, you are absolutely not covered riding someone else's motorcycle. My assumption is that my insurance will cover an "occasional" rider who is not listed on my policy, at least to some degree, as long as he/she is not a regular rider of the bike and has my permission. I also assume if I'm riding a bike other than my own that is insured, I am not only covered to some degree by that bike's policy (under the same parameters above) but that my own policy will probably pick up a gap in coverage.

Anyone?
Logged Return to Top
Clive
Full Metal Jacket

Karma: 77
Posts: 4358
Offline Offline


View ProfileIgnore this user
Re: Is motorcycle insurance different?
« Reply #1 on: July 26, 2008, 06:52:40 PM »

Way back when I was with Markel (through Honda Riders Club) and Progressive, their approach was the same as auto coverage.  Currently with Foremost, and I have no idea what their view is.

I essentially NEVER let anyone ride my motorcycle, and I essentially NEVER ask to ride anyone else's (perhaps to avoid the awkward reciprocity refusal).  So blissfully ignorant.
Logged Return to Top
birdymaker
Straitjacket
From: a third world country in the making

Karma: 18
Posts: 2923
Offline Offline


View ProfileIgnore this user
Re: Is motorcycle insurance different?
« Reply #2 on: July 26, 2008, 07:09:47 PM »

mich. is just about completely different from any other state in that it is a no fault auto state but not motorcycles. that being said, my motorcycle policy covered the insured and passenger only. unless i got hit by a car. then the my collision covered the bike, the auto picked up everything else.  Oops 
Logged Return to Top

women are like tornados. In the beginning there's a lot of sucking and blowing. In the end, the car's gone, the house is gone..
spacey
Amazing Technicolor Dreamcoat
From: Group W Bench

Karma: 98
Posts: 7729
Offline Offline


View ProfileIgnore this user
Re: Is motorcycle insurance different?
« Reply #3 on: July 26, 2008, 07:38:21 PM »

I never ask to ride anyone's bike, though occasionally it is offered. Likewise I seldom have anyone ask to ride my bike (I'm always surprised, though not generally willing when someone asks), but I occasionally offer. It is typically my brother, my dad, and me doing comparative rides on each others' bikes. That is the root of my inquiry. Not that I don't trust my brother or my dad's riding skills, or vice versa, it's just nice to know. I'm not likely to let Bill from accounting hop on and take it for a spin.

My insurance is Progressive, but I don't know what kind of weird Utah laws might affect it. I'll update when I hear back from them.
Logged Return to Top
twoiron
Full Metal Jacket
From: The Drawing Room

Karma: 41
Posts: 4571
Offline Offline


View ProfileIgnore this user
Re: Is motorcycle insurance different?
« Reply #4 on: July 27, 2008, 02:21:18 PM »

 Whistle
Logged Return to Top

"Nothing says sorry like a warm plate of bacon... or so I'm told"
spacey
Amazing Technicolor Dreamcoat
From: Group W Bench

Karma: 98
Posts: 7729
Offline Offline


View ProfileIgnore this user
Re: Is motorcycle insurance different?
« Reply #5 on: July 27, 2008, 02:46:47 PM »

Since I known you were all waiting for it, here's the response:

"Your motorcycle policy contract automatically includes permissive use.

Permissive use means that with your permission you can allow someone to operate your motorcycle without being added to the policy, as long as they are not a frequent operator.  If they operate your motorcycle 12 or more times a year, they should be added to your policy.

If you operate someone's else motorcycle their insurance coverage should cover you, however it is suggested that you check first"
Logged Return to Top
stroh
Sleeveless Hoodie
From: Impact Crater Springs, CA

Karma: 155
Posts: 16135
Offline Offline

We're doomed!

View ProfileIgnore this user
Re: Is motorcycle insurance different?
« Reply #6 on: July 27, 2008, 02:59:48 PM »

 Thumbs Up  thanks.

Is that Progressive specific, or Utard specific, or both, or universal?
Logged Return to Top
spacey
Amazing Technicolor Dreamcoat
From: Group W Bench

Karma: 98
Posts: 7729
Offline Offline


View ProfileIgnore this user
Re: Is motorcycle insurance different?
« Reply #7 on: July 27, 2008, 03:41:44 PM »

Based on what my brother's insurance told him, and what my dad already apparently knew, it's standard unless specifically excluded in your policy. But it's probably worth checking with your insurance agent if you plan on letting other people ride your bike.
Logged Return to Top
twoiron
Full Metal Jacket
From: The Drawing Room

Karma: 41
Posts: 4571
Offline Offline


View ProfileIgnore this user
Re: Is motorcycle insurance different?
« Reply #8 on: July 27, 2008, 08:05:21 PM »

 Whistle
Logged Return to Top

"Nothing says sorry like a warm plate of bacon... or so I'm told"
Jules
Members Only Jacket
From: Australia

Karma: 52
Posts: 3653
Offline Offline


View ProfileIgnore this user
Re: Is motorcycle insurance different?
« Reply #9 on: July 28, 2008, 01:42:35 PM »

Somebody please ask twoiron the question, can't you tell he is dying to say something. Grin Grin

(psst, he happens to be a big insurance bigwig in Melbourne) Grin Grin
Logged Return to Top

The good thing about getting old, is that you can hit the ball out of sight.
spacey
Amazing Technicolor Dreamcoat
From: Group W Bench

Karma: 98
Posts: 7729
Offline Offline


View ProfileIgnore this user
Re: Is motorcycle insurance different?
« Reply #10 on: July 28, 2008, 02:05:50 PM »

I was going to ask, but I figured I'd have to run his answer through babelfish and I'd still not understand it.

Incidentally, my cousin was involved in an accident that totaled his bike over the weekend. (Woman turned left in front of him.) He walked away from it. Surprising since he's one of those guys who thinks a bandanna offers all the protection his head will ever need.  Shocked
Logged Return to Top
Aske
Lederhosen

Karma: 120
Posts: 31403
Offline Offline


View ProfileIgnore this user
Re: Is motorcycle insurance different?
« Reply #11 on: July 28, 2008, 02:16:44 PM »

I was going to ask, but I figured I'd have to run his answer through babelfish and I'd still not understand it.

Incidentally, my cousin was involved in an accident that totaled his bike over the weekend. (Woman turned left in front of him.) He walked away from it. Surprising since he's one of those guys who thinks a bandanna offers all the protection his head will ever need.  Shocked

what is it with golfhos and their relatives being elite pro athletes?
Logged Return to Top

Quote
Russia has invaded a sovereign neighboring state and threatens a democratic government elected by its people. Such an action is unacceptable in the 21st century.
--  Chimpy McFlightsuit, CEO of Bu$hco Industries of 'Merka
twoiron
Full Metal Jacket
From: The Drawing Room

Karma: 41
Posts: 4571
Offline Offline


View ProfileIgnore this user
Re: Is motorcycle insurance different?
« Reply #12 on: July 28, 2008, 02:24:38 PM »

I was going to ask, but I figured I'd have to run his answer through babelfish and I'd still not understand it.

Incidentally, my cousin was involved in an accident that totaled his bike over the weekend. (Woman turned left in front of him.) He walked away from it. Surprising since he's one of those guys who thinks a bandanna offers all the protection his head will ever need.  Shocked

what is it with golfhos and their relatives being elite pro athletes?


Interesting photo.

It would appear that the cop who looks to be writing out a ticket or something by the car has "cracked one off" and the rather portly cop in the back just caught a whiff of the offending "air biscuit"....
Logged Return to Top

"Nothing says sorry like a warm plate of bacon... or so I'm told"
Pages: [1]   Return to Top
  Print  
 
Jump to:  

Related Posts
AAA Auto Insurance Fucking Sucks!
No way to tell whether the person that did the hit and run has insurance right?C
by Walfredo

AAA Auto Insurance Fucking Sucks!
If you post on this board and you're [i][b]not[/b][/i] an insurance guy ple
by Uisce Beatha

$10k speeding ticket...
[quote]Insurance premiums of anyone convicted under the new law will increase &q
by worst_golfer_ever

AAA Auto Insurance Fucking Sucks!
Why do you hate 'Merkans?
by gleek

 


 
  Powered by SMF | SMF © 2001-2009, Lewis Media

Dilber MC Theme by HarzeM