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Motorcycle insurance

Discussion in 'Pull up a chair and sit for a spell' started by FLHTbiker, Jan 31, 2012.

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  1. charlie46

    charlie46 Well-Known Member

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    Markel through H-D for me 500 ded.,50,000 medical for rider AND passenger, Un-insured/under-insured driver. 25,000 liabillity. $474/year. Tried a few other companies,cant beat Makel's price. (around here anyway)
    charlie46, Feb 1, 2012
    #21
  3. FLHTbiker

    FLHTbiker Moderator Staff Member

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    You should check around, that seems pretty high. I've got full coverage with high numbers myself.
    FLHTbiker, Feb 1, 2012
    #22
  4. charlie46

    charlie46 Well-Known Member

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    It's mostly about location.:gah:
    charlie46, Feb 1, 2012
    #23
  5. FLHTbiker

    FLHTbiker Moderator Staff Member

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    Where he lives, I would check around, Allstate is not known for good prices.

    I could understand it where your from Charlie46
    FLHTbiker, Feb 1, 2012
    #24
  6. cardboard

    cardboard Well-Known Member

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    When I had the wreck with my one ton diesel van and I had the locksmith company.
    And the nigerian hit me and tried to sue me when it was his fault.
    I might of paid a little more for Allstate but it was worth every penny I paid..
    But Allstate contacted their attorney and they took care of the lawsuit for me for no charge.
    cardboard, Feb 1, 2012
    #25
  7. FLHTbiker

    FLHTbiker Moderator Staff Member

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    Never said they don't pay up just a bit more expensive, we checked into them and went with State Farm, years ago. Been very happy with State Farm
    FLHTbiker, Feb 1, 2012
    #26
  8. cardboard

    cardboard Well-Known Member

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    The attorney tole me the extra you pay for your insurance is for them to have where they can pay them to be your attorney for free if you need a lawyer in a a case.
    I was lookin at a millions of dollars in a person hurt.
    They was claiming they needed a new car to git around, and was unable to work
    They had what looked to be a Jamaican attorney who was pushing it too.
    cardboard, Feb 1, 2012
    #27
  9. cowboy

    cowboy Moderator Staff Member

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    Yep thats true , not fair but true , :eek:
    cowboy, Feb 1, 2012
    #28
  10. FLHTbiker

    FLHTbiker Moderator Staff Member

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    You could have taken your Taurus/Springfield Brazian foreign gun and shot the foreigner. :roflmao: then it could be called a International incident. :D
    FLHTbiker, Feb 1, 2012
    #29
  11. FLHTbiker

    FLHTbiker Moderator Staff Member

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    Still you got to check around at the rates
    FLHTbiker, Feb 1, 2012
    #30
  12. cardboard

    cardboard Well-Known Member

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    you don't want to know
    cardboard, Feb 1, 2012
    #31
  13. hotroadking

    hotroadking Super Moderator Staff Member

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    That's why you LLC your business and put the van and
    stuff in the company name, doesn't matter that you guarantee the
    loan, you want it all protected from your personal stuff.

    Then it won't matter what you carry for insurance $10 million or $100,000
    they can't punch through the corporate veil and get to you personally.
    hotroadking, Feb 1, 2012
    #32
  14. MountainCruiser

    MountainCruiser Well-Known Member

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    It must be all about location. I have coverage almost exactly like Charlie 46. My deductible is $500 on both liability and collision. Now my bike is not worth much as a lot of you guys, so guess that effects the collision, but my rate is $219 per year with Progressive. I asked around quite a bit and got several quotes. Seemed Progressive and GMAC were the two came up a lot for bikes. Have my cars and home with State Farm for many, many years.
    MountainCruiser, Feb 1, 2012
    #33
  15. FLHTbiker

    FLHTbiker Moderator Staff Member

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    That's why my business is a LLC
    FLHTbiker, Feb 1, 2012
    #34
  16. hotroadking

    hotroadking Super Moderator Staff Member

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    yep smart.
    hotroadking, Feb 1, 2012
    #35
  17. joshbob

    joshbob Well-Known Member

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    Think I'll stick with Allstate. They do supply an attorney if you need one at no extra cost. And I don't mind the monthly fee - it's doable.
    joshbob, Feb 2, 2012
    #36
  18. cardboard

    cardboard Well-Known Member

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    Right now I'm with Foremost insurance
    cardboard, May 14, 2012
    #37
  19. bguillory66

    bguillory66 Active Member

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    Got All State, less than $100 per year....of course thats liability and towing only. Really should check into some medical I reckon.:D
    bguillory66, May 14, 2012
    #38
  20. Fatboy128

    Fatboy128 Well-Known Member

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    Another thing you have to consider is getting a +uninsured motorist rider". With so many people running around without insurance you'll lose yer vehicle if they hit you and total it an hurt you. No coverage unless you have the rider.

    Sent from my Droid using Tapatalk 2
    Fatboy128, May 14, 2012
    #39
  21. cardboard

    cardboard Well-Known Member

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    Your bike insurance only covers yer bike.
    If you are in a wreck you better have health insurance or a accidental insurance
    Or the hospital will probably not take care of you.
    They will not work for free.

    Got a Buddy I told that. He got a emergency accidental plan.
    He was in a wreck and crushed a ankle. It cost over 400,000 at the hospital.:rant:
    cardboard, May 14, 2012
    #40
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