Insurance policy issues

[afm199]

There's so much wrong with this it's astounding.

How old are you? I ask because it seems like you're young, and they're trying to rip you off based on your ignorance (not an insult, you just don't know about insurance yet).

This line:


actually makes me angry. State Farm has no reason to charge more for insurance for a vehicle THEY DON'T INSURE. I'd drop them on the principle of that issue alone. Unless they're still keeping you on the policy but taking the bike off.

Secondly, State Farm wants to keep your parents' business. They tend to say go anywhere else and you'll pay more. There's a very good chance that you can find a cheaper agent with another company. They don't know the rates of other companies; no one does until you get a quote from them. My experience with State Farm had them quoting me...wait for it...8 times more than the other guys. I was going to pay $5000 a year, versus $600 with who I settled on.

And the agent telling you to get a bigger bike is an idiot.

Search around. Markel, Progressive, Geico, AAA...and have your parents do the same. But honestly, nothing will be cheap for you (new rider new bike).

Umbrella's are different. They are basically riders on existing policies to increase the coverage limits. They usually require that the household have all vehicles with the same company. As you are living at home............ Move out and you won't have a problem.

 

[Mr. White]

Is the umbrella policy you're talking about a Personal Liability Umbrella Policy? PL umbrella isn't only for automotive liability. It's for everything and anything you could potentially be liable for.

Maybe what SF is telling you is that your parents premium is going to go up because they now know there is a moto is their household which would increase the potential for a personal liability claim? That doesn't seem right to me, but I'm not an insurance guru.

 

[Ninjarider87]

bro go get a driver's license ( car's license ) - its super easy, just pass a writing test ( dont even have to schedule, you can just stop by any DMV ) and then schedule a driving test. ( driving a car. ) - it might take awhile but oh well you gotta do what you gotta do.

or you can ride your bike uninsured LOL ( kidding, dont do it! )

 

[afm199]

Is the umbrella policy you're talking about a Personal Liability Umbrella Policy? PL umbrella isn't only for automotive liability. It's for everything and anything you could potentially be liable for.

Maybe what SF is telling you is that your parents premium is going to go up because they now know there is a moto is their household which would increase the potential for a personal liability claim? That doesn't seem right to me, but I'm not an insurance guru.

This. Umbrellas cover auto, home, etc etc. They are riders that up the coverage limits. Because you are on your mother's policy it will go higher. And yes, the potential is increased. As long as YOU are in a position to effect a claim on your mother's policy, the higher rates will apply.

Like I said, move out.

 

[msethhunter]

bro go get a driver's license ( car's license ) - its super easy, just pass a writing test ( dont even have to schedule, you can just stop by any DMV ) and then schedule a driving test. ( driving a car. ) - it might take awhile but oh well you gotta do what you gotta do.

or you can ride your bike uninsured LOL ( kidding, dont do it! )

+1. You're going to eventually need one anyways.

 

[Flying Pig]

I understand you guys telling me I shouldn't be shopping for insurance right now, but that's not the issue, the issue is that I need insurance right now. I have a motorcycle, I'm riding, and I want coverage. I had to get insurance to transfer the title to my name and legally, I need insurance. I can't get my M1 license any sooner than the end of August because the DMV only has an open slot at the end of the month. If I shopped for insurance after receiving my license, I would be uninsured for 2+ weeks. Also, there's a reason why State Farm is giving me 10 months to get my M1 (which is ridiculously long) and that's because people get insurance before getting their license.

Please refrain from riding without insurance. If caught, the ticket is in the four figures range last I remembered.
I recall a person asking the judge for leniency since they got insured after the fact, and the judge dropped the fine down to the 600-700 range.. still a hefty fee.

Driving a vehicle uninsured is a big no-no

Good luck on getting things sorted out
I find it easiest when I sit down in the agent's office so I'm not having to deal with hour-long phone calls. I go in with what coverage amounts and options I want to be quoted for and also bring along any miscellaneous questions I have for them to be answered all at the same time.

 

[Kurosaki]

21 with no driver's license? Solve that first along with M1.

Things you should have done or at least sorted out first before buying the bike.


You're 21. Buy a beater (car) and then talk to State Farm again. Insurance for the car will be cheap and the bike will be insured as a secondary vehicle and be even cheaper.

 

[RRD]

^ Not sure if SF works that way. I have both my car and my bike insured with State Farm. They are separate policies, from what I've been told, and motorcycles don't count towards a multi-vehicle discount.

That being said, SF had a much better rate than others I looked into. I've handled two not-at-fault accidents through them painlessly. Been with them for going on 4 years and haven't had any issues.

 

[Ninjarider87]

21 with no driver's license? Solve that first along with M1.

Things you should have done or at least sorted out first before buying the bike.


You're 21. Buy a beater (car) and then talk to State Farm again. Insurance for the car will be cheap and the bike will be insured as a secondary vehicle and be even cheaper.

state farm don't insure bikes. they do ( kinda ) but through Foremost. At least that's how i pay my insurance for my bike. Also motorcycle doesn't count as secondary vehicle ;( At least not with State Farm ( Foremost )

 

[Kurosaki]

state farm don't insure bikes. they do ( kinda ) but through Foremost. At least that's how i pay my insurance for my bike. Also motorcycle doesn't count as secondary vehicle ;( At least not with State Farm ( Foremost )

My car and 2 bikes are under State Farm.

I recommended it because that's what I have. Maybe your agent works different... The OP's situation is great proof 2 agents of the same company can tell you two very different things.

 

[DannoXYZ]

Please refrain from riding without insurance. If caught, the ticket is in the four figures range last I remembered.
I recall a person asking the judge for leniency since they got insured after the fact, and the judge dropped the fine down to the 600-700 range.. still a hefty fee.

Yeah, I think it's a $1600 fine.

 

[ebRider]

Yeah, I think it's a $1600 fine.

I thought it was up there, but a search of google turns up that no insurance is a violation of V C Section 16028 Evidence of Financial Responsibility Upon Request

The fines are specified in 16029 which says(among other things):


V C Section 16029 No Evidence of Financial Responsibility Penalties

No Evidence of Financial Responsibilityenalties

16029. Notwithstanding any other provision of law, a violation of subdivision (a) of Section 16028 is an infraction and shall be punished as follows:

(a) Upon a first conviction, by a fine of not less than one hundred dollars ($100) and not more than two hundred dollars ($200) , plus penalty assessments .

(b) Upon a subsequent conviction, occurring within three years of a prior conviction, by a fine of not less than two hundred dollars ($200) and not more than five hundred dollars ($500), plus penalty assessments.

(c) (1) At the discretion of the court, for good cause, and in addition to the penalties specified in subdivisions (a) and (b), the court may order the impoundment of the vehicle for which the owner could not produce evidence of financial responsibility in violation of subdivision (a) of Section 16028.


Which would suggest between 100 and 200 fine. I wont begin to try and guess what all the other involved costs are though(fine + penalty assesment + seca + conviction fee + etc.)

Referencing a paper i have from an old court date(no ticket on lightrail), my fine was reduced to $30 but with all the additional fees it came to $196

 

[Flying Pig]

21 with no driver's license? Solve that first along with M1.

Things you should have done or at least sorted out first before buying the bike.


You're 21. Buy a beater (car) and then talk to State Farm again. Insurance for the car will be cheap and the bike will be insured as a secondary vehicle and be even cheaper.

Agreed. Get a sub $1k car that is running. It'll help when the moto might have issues down the road so you aren't stuck transportation-less.

^ Not sure if SF works that way. I have both my car and my bike insured with State Farm. They are separate policies, from what I've been told, and motorcycles don't count towards a multi-vehicle discount.

That being said, SF had a much better rate than others I looked into. I've handled two not-at-fault accidents through them painlessly. Been with them for going on 4 years and haven't had any issues.

Yeah, I have separate policies too. Thought it was weird. But after putting my truck under SF, my bike's rates dropped too. I was able to increase my limits (from 50/100 to 100/300) and add collision and pay less for the bike than I did previously with just the bike on its own arty

But adding my 2nd moto to SF, there were no discounts of any kind. Which kind of sucks since I'm the only driver, and can really only be driving one vehicle at a time.
When I have more time to shop around, I'll be moving the 2nd moto to whatever carrier I can find to give a better rate

state farm don't insure bikes. they do ( kinda ) but through Foremost. At least that's how i pay my insurance for my bike. Also motorcycle doesn't count as secondary vehicle ;( At least not with State Farm ( Foremost )

My car and 2 bikes are under State Farm.

I recommended it because that's what I have. Maybe your agent works different... The OP's situation is great proof 2 agents of the same company can tell you two very different things.

My car and 2 bikes are with State Farm as well. My payments show up as State Farm under my credit card statements.
But reselling insurance wouldn't surprise me. AAA doesn't really cover motos, they just resell someone else's coverage.

I thought it was up there, but a search of google turns up that no insurance is a violation of V C Section 16028 Evidence of Financial Responsibility Upon Request

The fines are specified in 16029 which says(among other things):


V C Section 16029 No Evidence of Financial Responsibility Penalties

No Evidence of Financial Responsibilityenalties

16029. Notwithstanding any other provision of law, a violation of subdivision (a) of Section 16028 is an infraction and shall be punished as follows:

(a) Upon a first conviction, by a fine of not less than one hundred dollars ($100) and not more than two hundred dollars ($200) , plus penalty assessments .

...

Which would suggest between 100 and 200 fine. I wont begin to try and guess what all the other involved costs are though(fine + penalty assesment + seca + conviction fee + etc.)

Referencing a paper i have from an old court date(no ticket on lightrail), my fine was reduced to $30 but with all the additional fees it came to $196

The penalties are probably what helps bring it to 4 figures in today's day and age arty

Sit in a traffic court session and chances are someone's there for a insurance-related issue.

 

[orbframe]

Why do you keep posting all of these ridiculous insurance scenarios? Why don't you just get a license? I Don't understand.

this seasons stevendavisfoto

 

[Dianoetic]

To clear things up, I am not riding without insurance. I have State Farm covering me for now, up until I get my M1 which will cause problems then. As long as I don't carry an M1, they are willing to insure me without any issues, but once I do obtain my M1, different agents are saying different things will happen. (up to 10 months since I have my learner's permit) This leaves the "go get your license and then worry about insurance" useless since I'm covered well until I get my M1.

I suppose the usefulness of this thread has been achieved, I now know that both agents are stretching facts so I'll be shopping around. I've received a couple PMs, plus I have some other agents I could contact, but I wanted to know if I had to since my coverage would've been much better with State Farm.

 

[Mr. White]

state farm don't insure bikes. they do ( kinda ) but through Foremost. At least that's how i pay my insurance for my bike. Also motorcycle doesn't count as secondary vehicle ;( At least not with State Farm ( Foremost )

State Farm insures my car, moto, and home. They are all seperate policies and I get a multi-policy discount. Not a secondary vehicle discount.

By different policies, I mean my car & moto liability, comp, & collision coverages can be totally different. In many cases it wouldn't make sense to have 1 policy for all vehicles you own. For example, you own a 35K BMW (car) and a 2K Suzuki (moto).

 

[Kurosaki]

Try talking to a 3rd agent not associated with either of the first two.

See if you get a 3rd story... Or if they replicate one of the two stories you've already been told.

 

[SirSkankin DBA]

I have been with SF for over 8 years with a car and I think 6 years for my motorcycles. I first got insured on a motorcycle while I had my permit but did have my dl for my car.

Also, as stated, you do not get a multiple vehicle discount for motorcycles, because State Farm views motorcycles as a Luxury Policy, just as they do with RV's, boats etc, but it is accurate that you will get a multiple policy discount.

Though, the code says it can be a 100 to 200 plus penalties for not providing proof of insurance, I know from experience that if a cop is being nice, they will give you a fix it ticket, and if they are going to issue you a ticket, I think it was $800...then because I was dumb, I missed the court date and it became a $1200 fine.

But, unless I misread, which I could have because of the time I read this post (2:30 am), but in any situation without some form of driver's license, it is difficult to get insurance. But, if you want, I would be happy to give you my agents name, who is in Seaside/ Monterey area. I have stayed with him so long, because he is just a good agent and treats everyone like a real person. And he is, usually, happy to answer any and all questions and explains them very thoroughly.

Oh, when my moto got hit outside of Scuderia, I called my agent and claims, and everyone was extremely helpful. Never had any problems with my agent or state farm and I am a huge stickler for customer service because of having worked in that field as well as having family ran restaurants etc in my family.

I hope this helps some...like I said, there is more I wanted to say, but brain is not functioning 100% right now. Feel free to pm me and I will try to help as much as I can. But it is always good to shop around and get quotes

 

[Marcoose]

So, here's my situation:

I don't have a driver's license...

I was wondering if anyone had any useful tips or suggestions or ever been in a similar situation. I'm confused as to what I need to do.

Daniel, even Forrest Gump would know what to do! Have you taken an IQ test?

 

[Marcoose]

To clear things up, I am not riding without insurance ... [but] ... until I get my M1...

You are riding without a license. I really hope you get busted and punished by the maximum allowed by law.