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How Many Of You Ride Without Insurance??

donoman said:
Even better, imagine hitting a car lightly, but the driver tries to save your live and swerves, hits a kid on the sidewalk, and then a pole, killing his wife in the passenger seat... someone is going to come after your bank account to fix his car!
Click to expand...

True. I could afford "light" damage to another car. But if I caused a death...in this day and age, insurance isn't going to save my ass at all. Insurance has it's limits. And if a death is involved, those limits will be exceeded by a ridiculous amount in the form of a huge lawsuit. Plus the pshycogical damage to myself involved in killing someone. All the insurance in the world couldn't fix that.

So before anyone thinks that I'm not, I am indeed insured for liabilty. It's a law for a reason. But as for paying an additional $3500 a year for comp and collision? Hell no. Never in a million years. Just not worth it.

Rob
 
When I lived in another state that did not require motorcycles to be insured, many years ago, I only insured the bikes that were worth more than $1000. I used the same argument about "how much damage will it do if it's my fault?". Out of a dozen bikes that I owned when I live there, I only insured one, and that's the one I crashed and collected insurance on. ;)

I have full insurance now and will continue to do so, and don't intend to be "collecting on the insurance", either. :cool
 
Something to think about...

Liability insurance $ 500.00 a year
Full coverage insurance $ 2,700 a year

I had a few accidents and I noticed that the damn insurance company is not here to protect you but to make money. They never loose money, I did.
After I did the math it works better for me to just have liability insurance/theft coverage AND personal health insurance and the money that I save put it away towards of the purchase of a newer bike (or reserve money if you loose your job)
 
Like Scott, If the bike is worth more than 1500, Full coverage, under than at $1000/year for full, just get liability, but always have liability
When I crashed the Superhawk, it had the full coverage, but not the "gap" insurance.
SAS
 
so do you mean vehicle insurance only or does that include no health insurance?

on a bike its best to have both. one stop or good tumble is all it takes to get reamed.

j
 
Man, you guys must have some really shitty driving records! $2700 a year for full coverage!!! Jeebus! I pay around 600 a year for full coverage, 100/300 comp and collision, medical, uninsured/underinsured, $250.00 deductable. I'm with State Farm and have a perfect driving record. Oh yeah, I have an 02 RC51.
 
wow! the thought of riding without insurance never passed my mind! but i did do that for a little while myself in hawaii

but i was such an immature idiot in hawaii, i mean, first year of college, im little going on to becoming independant.

now that ive matured SLIGHTLY, the thought of not having insurance blows me away. and thought of no license. the chances of cops pulling you over should be reasonly high at least once in a year maybe for a biker. when they pull you over and ask about your lic or insurance, and you aint got one or other! you may be in the shits.

besides, i get too much damm anxiety and stress if im trying to enjoy my bike without having to watch out for cops even when im going speed limit. sigh

get insurance, minimum liability is cheap as hell, nearly nothing for many of you guys. and if things are in the shits for your records, or your bike is known for crashing or whatever, min lia only be a few hundred per YEAR!!!!!!! thats considered pretty high, thats for people with no experience recorded and a very expensive bike.

if you have exp, and not a very exp bike, its damm near free.
 
I'd never ride or drive without insurance. On my old Yamaha, I just had liability and it was dirt cheap, now I've got full on my new Kawi (I'm @ State Farm) and its about $550/yr and well worth it.

Don't leave home without it !
 
Always have insurance. No way around it. Can't afford it? At least cover you ass when you hit someone else, get liability.
I can see some folks with out a license, but no insurance? That's just insane and please stay off the road!

My .02
 
Kalamari Kid said:
I cant even afford gas.
How would I afford insurance?
Click to expand...

hmm... things your suppose to think about before buying any vehicle. ;) gas and insurance kinda important parts of a vehicle. esp gas....

sorry you aint got much money bro, i hope you will be able to manage alright still... let us know if we can do anything to help!
 
donoman said:
Even better, imagine hitting a car lightly, but the driver tries to save your live and swerves, hits a kid on the sidewalk, and then a pole, killing his wife in the passenger seat... someone is going to come after your bank account to fix his car!
Click to expand...

hmm.. pretty dramatic scenario you brought up there.

even worst!!!!! imagine the car kept going and killed 20 people walking on the streets, crashed into the building, busted a shop or two, and BLEW UP!!!!!!! then a riot started, and hundreds are killed cause they thought it was a delibrate act by the GXXR crew protesting against Yammies!

yah.. then your going to be wishin you had that insurance.... yeah....


unless your a good runner
 
Last edited:
comprehensive/collision coverage: your personal choice.
Liability: A HUGE MUST!
underinsured/uninsured: you are on a bike, it is going to be your ass in the hospital.... do you even have to think about this one???

how much damage can a bike do? well, if we are talking about 50cc 80 lbs scooters, then not much. But even a 250 ninja hitting a decent car from the side can cause 4-5K in damages just to the car, and then you have the owner.

please, for your own sake, if you can't afford liability insurance, don't ride.
 
I might consider only running liability & theft on my RC51 but if I take it to the track & total it, I'm going to for sure tell my insurance what happened. Someone cut me off, tapped my front wheel, and I lost control. Yeah.
 
super_greg_#1 said:
Man, you guys must have some really shitty driving records! $2700 a year for full coverage!!! Jeebus! I pay around 600 a year for full coverage, 100/300 comp and collision, medical, uninsured/underinsured, $250.00 deductable. I'm with State Farm and have a perfect driving record. Oh yeah, I have an 02 RC51.
Click to expand...

I think I should switch to State Farm...

Progressive wanted almost $4k for a year of full coverage for the RC51. Versus $350 for liability only. It's for that reason alone that I paid cash for the bike so there'd be no lienholder to require full coverage. And oh, I forgot to mention. As far as what the insurance sees (3 years back), my record is clean. A couple years ago, when I had 2 points I checked what it'd be for full coverage on my Blackbird. A laughable $16,000! Just for the hell of it, I checked on a new Hayabusa. Even the Progressive agent laughed when the number came up on her computer, $19,000! If they didn't give me a decent rate on my truck, I swear I'd dump Progressive for everything.

Rob
 
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