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DSN_KLR650
Kimosabe
Posts: 136
Joined: Wed Jun 07, 2006 9:58 am

motorcycle insurance

Post by Kimosabe » Wed Jan 10, 2007 1:01 pm

I commuted from the south side of Arlington to Parkland Hosp. from 1979 to 1983 using a Honda CB450 and a Kawa KZ440 for the relatively good weather. I agree with your comments about Dallas & Ft. Worth driving. Keep your head up and be glad you're not riding in Houston. Steve in Niceville --- In DSN_KLR650@yahoogroups.com, Ronald Criswell wrote:
> > > > You may be right. I almost got nailed from behind right after I > > bought mine stopping on a yellow light. Probably better to go on > > through on marginal yellow than to get run over from the rear by
a
> > stupid driver running the light. I hadn't ridden in traffic in > > probably 20 years but had been a dirt rider so was not used to
the
> > idiots. But the new red light cameras may start catching the
idiots
> > running lights (which is more dangerous to me than doing 10 - 15 > > over the limit on the freeway). I was doing 75 on the freeway
the
> > other day when the speed limit was 60. An idiot passed me like I > > was standing still. This is common in Dallas / Ft. Worth. He was > > probably doing 90. > > Criswell > > > > > > Hello Lou, > > Frequent poster Jeff Saline (name given for attribution, because I > > was not smart enough to figure this out on my own) suggested to me > > after buying my new-2-me KLR that you are the most dangerous/most > > likely to crash in the first 1000 miles/first 90 days and, that > > during that time frame, it is when you are most likely to need > > collision insurance. Knowing that, one could purchase full
coverage
> > insurance for that period of time, or longer, and then cancel. At > > the very least, one could buy full coverage for the first year,
then
> > reverting to liability only + comprehensive. > > > > I know from my own experience of the new-2-me KLR, the first 90
days
> > is when I got into the most trouble and thoroughly scared the pee- > > wadding out of myself. One caveat, I had not been an active rider > > from 1976-2003, which made me my own worst enemy. I wanted to
pickup
> > riding 'at speed' at the point I had sold my last bike. It nearly > > got me killed on Christmas day, 2003, and would have been dead if > > the 'cage' had not been paying attention to my inability as I
crossed
> > the centerline in an off-camber turn. (Not that full coverage
would
> > have mattered during a head on collision at a closure rate
exceeding
> > 110mph.) I wrote a little essay seen here "I died on Christmas
Day"
> > some time back; summary: look where you want to go, do not look at > > what you want to miss. > > > > I have followed Jeff's suggestion during the purchase of a R100RS, > > and have recommended it to others as well: buy full coverage
during
> > the most dangerous time/part of your learning about your new bike. > > > > So, how good is my current insurance? My insurance is PROGRESSIVE > > (liability and comprehensive, road side assistance/towing) and
have
> > yet to file a claim in the past 3 years; what I do know is that
they
> > faithfully have cashed my checks, and I 'hope' that they will have > > one for me when it is all said and done if I call them needing > > assistance. > > > > Insurance is multi-faceted: Look closely at your current health > > insurance. Some of it will not pay, if you are involved in
a 'high-
> > risk' activity. If not, you may/will need the medical coverage as > > well. > > > > revmaaatin. > > > > > > > > > > [Non-text portions of this message have been removed] >

Arden Kysely
Posts: 1578
Joined: Thu Aug 16, 2001 8:18 am

motorcycle insurance

Post by Arden Kysely » Wed Jan 10, 2007 1:31 pm

I've had AAA for many many years. Reasonable rates and no problems with claims. __Arden --- In DSN_KLR650@yahoogroups.com, Douglas Bouley wrote:
> > I use GEICO, fwiw. > > Considering where I live, the rates are not only decent, they are
one of
> the few outfits who will even write motorcycle insurance here. Have
had
> to make two claims in two years (1 car, 1 bike). I have rcvd
absolutely
> stellar customer service from native English speakers (their HQ is
local
> to me). The first incident was a total loss of my car. They paid > promptly and settled for more than I paid for the car. They base
the
> value on what it would cost to replace the vehicle, not on "book".
They
> actually did a survey of local dealers to come up with the payout > figure. The lady I hit also said she rcvd first-class service from
them,
> including rental car, etc. > > The second incident was damage I did to a neighbor's car when the
side
> stand folded upon me getting of the parked bike. The bike was
stopped
> and never actually touched the car, it was my shoulder that hit the
rear
> door and made an expensive buffalo-sized dent in same. Whether this
was
> even a covered accident would be debatable with some companies.
GEICO
> handled it promptly without missing a beat. They even followed up
with
> me a few days later to be sure I hadn't discovered any aches and
pains
> that might need treatment (only my ego, sez I). > > Side note: the company I work for (not GEICO) does insurance of
another
> sort (not car/bike). Progressive is a competitor in our market. I
have
> heard our customers complain that Progressive is not fun to settle
with.
> Many of our customers were overwhelmed by the Katrina Season. I'm
told
> we picked up Progressive customers in the aftermath because their
claims
> people were unpleasant to deal with. This is second hand info,
though,
> and I cannot attest to the truth of it personally. Hopefully, no
one
> would have a "State Farm" experience with them. > > I, too, had comprehensive and collision on the bike for the first
year.
> Dropped it for second year, feeling that the value of the entire
bike no
> longer warrants the cost. However, I keep high levels of coverage
for
> uninsured drivers and for liability because medical costs can be > stunning, especially in a relatively unprotected motorcycle crash.
Since
> 95% of my riding is in cut-throat commuter traffic, composed of a
huge
> number of un and under-insured immigrants, I figure this makes
sense.
> Also, I live in one of the those litigious areas of the country
(people
> here introduce themselves by saying "Do you know who I am?" and
every
> third one of 'em is a lawyer, I swear). > > I strongly feel that bare minimum coverage is "asking for it",
unless
> maybe you live in a rural area and mostly ride off-road. Everyone's > perceived needs and tolerance of risk are different though. To me,
the
> question is not so much covering the bike as it is covering my butt > against huge liability or medical claims. The worst a KLR rider
might be
> out (not counting farkle) is 5 grand or less for the bike. For
medical
> costs, (mine or someone else's) it could be up to millions in a
really
> bad case (think head or cord injuries with years of after-care). I
once
> had a trauma pt. (in a previous career) who was a pedestrian who > wandered out in front of a bike. Rider survived (for a change!),
but the
> ped died expensively of major head trauma. I don't know what the > insurance ramifications were, but since there was only one
insurance
> company involved, I can guess... > > doug in downtown dc > > J Dirk Savage wrote: > > A little note on Progressive... > > I like them, they seem to be reasonably priced, and I have a
policy with them (although I've never had a claim).
> > However, after getting my policy online, I got a postal letter
indicating that my rate would have been lower if my credit score (FICO) were higher. My FICO is over 700. So I called them up to ask them what crack they were smoking. I got the help center in...India. I've actually spent some quality time in India...but even I could not understand this guy's English. So I just grin and bear it. The price is still good.
> > > > Jeremy > > > > > > ----- Original Message ---- > > From: revmaaatin > > To: DSN_KLR650@yahoogroups.com > > Sent: Wednesday, January 10, 2007 12:48:02 AM > > Subject: [DSN_KLR650] Re: Motorcycle insurance > > > > --- In DSN_KLR650@yahoogro ups.com, "loudicks"
wrote:
> > > >> Haven't seen much discussion of insurance on the board before. > >> Maybe it's too personal or boring, but I'm curious what most > >> dualsport riders do for insurance. When I got back into riding
last
> >> year after a 15 year layoff, I just called my auto and home
insurer
> >> ( American Family) and asked for liability only coverage on my
03
> >> KLR. As I'll need to renew before next season, I'm wondering if
i
> >> should add collision or any sort of additional disability > >> insurance. All my life I've paid cash for vehicles and only
carried
> >> the minimum of insurance on them, but now that I'm getting > >> older and due to the inherent danger of motorcycling, I'm > >> wondering if i should start carrying a fatter policy. Any
thoughts?
> >> I'd also be interested in any good or bad experience anyone ha > >> s had with their insurance company. For instance, I've yet to
hear
> >> a happy story about settilimg a claim with All State. I'm > >> wondering if I'd be better off moving my motorcycle coverage > >> elsewhere. Thanks. > >> > > > > Hello Lou, > > Frequent poster Jeff Saline (name given for attribution, because
I
> > was not smart enough to figure this out on my own) suggested to
me
> > after buying my new-2-me KLR that you are the most dangerous/most > > likely to crash in the first 1000 miles/first 90 days and, that > > during that time frame, it is when you are most likely to need > > collision insurance. Knowing that, one could purchase full
coverage
> > insurance for that period of time, or longer, and then cancel. At > > the very least, one could buy full coverage for the first year,
then
> > reverting to liability only + comprehensive. > > > > I know from my own experience of the new-2-me KLR, the first 90
days
> > is when I got into the most trouble and thoroughly scared the pee- > > wadding out of myself. One caveat, I had not been an active rider > > from 1976-2003, which made me my own worst enemy. I wanted to
pickup
> > riding 'at speed' at the point I had sold my last bike. It nearly > > got me killed on Christmas day, 2003, and would have been dead if > > the 'cage' had not been paying attention to my inability as I
crossed
> > the centerline in an off-camber turn. (Not that full coverage
would
> > have mattered during a head on collision at a closure rate
exceeding
> > 110mph.) I wrote a little essay seen here "I died on Christmas
Day"
> > some time back; summary: look where you want to go, do not look
at
> > what you want to miss. > > > > I have followed Jeff's suggestion during the purchase of a
R100RS,
> > and have recommended it to others as well: buy full coverage
during
> > the most dangerous time/part of your learning about your new bike. > > > > So, how good is my current insurance? My insurance is PROGRESSIVE > > (liability and comprehensive, road side assistance/towing) and
have
> > yet to file a claim in the past 3 years; what I do know is that
they
> > faithfully have cashed my checks, and I 'hope' that they will
have
> > one for me when it is all said and done if I call them needing > > assistance. > > > > Insurance is multi-faceted: Look closely at your current health > > insurance. Some of it will not pay, if you are involved in
a 'high-
> > risk' activity. If not, you may/will need the medical coverage as > > well. > > > > revmaaatin. > > > > > > > > > > __________________________________________________ > > Do You Yahoo!? > > Tired of spam? Yahoo! Mail has the best spam protection around > > http://mail.yahoo.com > > > > [Non-text portions of this message have been removed] > > > > > > > > Archive Quicksearch at:
http://www.angelfire.com/ut/moab/klr650_data_search.html
> > List sponsored by Dual Sport News at: www.dualsportnews.com > > List FAQ courtesy of Chris Krok at: www.bigcee.com/klr650faq.html > > Member Map at: http://www.frappr.com/dsnklr650 > > Yahoo! Groups Links > > > > > > > > > > > > > [Non-text portions of this message have been removed] >

Donald Dickerson
Posts: 72
Joined: Wed Jul 05, 2006 10:25 am

motorcycle insurance

Post by Donald Dickerson » Wed Jan 10, 2007 1:38 pm

Because I bought my bike new, I'm carrying full coverage. But otherwise I would be sure to carry uninsured motorist coverage with a liability-only policy. And be sure your medical insurance will cover you if you are injured on your bike. --- loudicks wrote:
> Haven't seen much discussion of insurance on the board before. > Maybe it's too personal or boring, but I'm curious what most > dualsport riders do for insurance. When I got back into riding last > year after a 15 year layoff, I just called my auto and home insurer > ( American Family) and asked for liability only coverage on my 03 > KLR. As I'll need to renew before next season, I'm wondering if i > should add collision or any sort of additional disability > insurance. All my life I've paid cash for vehicles and only carried > the minimum of insurance on them, but now that I'm getting > older and due to the inherent danger of motorcycling, I'm > wondering if i should start carrying a fatter policy. Any thoughts? > I'd also be interested in any good or bad experience anyone ha > s had with their insurance company. For instance, I've yet to hear > a happy story about settilimg a claim with All State. I'm > wondering if I'd be better off moving my motorcycle coverage > elsewhere. Thanks. > >
Those who fail to learn the lessons of history are doomed to repeat them. Those who beat their swords into plowshares will plow for those who didn't. "Life is either a daring adventure or nothing. Security does not exist in nature, nor do the children of men as a whole experience it. Avoiding danger is no safer in the long run than exposure." -- Helen Keller ____________________________________________________________________________________ Yahoo! Music Unlimited Access over 1 million songs. http://music.yahoo.com/unlimited

J Dirk Savage
Posts: 12
Joined: Fri Dec 08, 2006 7:56 pm

motorcycle insurance

Post by J Dirk Savage » Wed Jan 10, 2007 2:44 pm

In 1994 I called Geico for a quote on car insurance. They asked me if I owned a radar detector. Like and idiot, I answered without even thinking (yes). This was after they had gotten my SSN. They informed me that I was banned from getting Geico insurance for 6 months and they recommended that I get rid of the radar detector (which is 100% legal in 48 states, including the one I lived in at the time). Geico is the same company that *gives* radar guns away to local police departments in the name of safety (and is owned by Berkshire-Hathaway...Warren Buffet's investment company). I consider this to be a some kind of freaky conflict of interest (and I'm a former police officer) and it is the reason I don't go with Geico for insurance (or invest in Berkshire-Hathaway for that matter). Jeremy ----- Original Message ---- From: Douglas Bouley Cc: DSN_KLR650@yahoogroups.com Sent: Wednesday, January 10, 2007 9:13:57 AM Subject: Re: [DSN_KLR650] Re: Motorcycle insurance I use GEICO, fwiw. Considering where I live, the rates are not only decent, they are one of the few outfits who will even write motorcycle insurance here. Have had to make two claims in two years (1 car, 1 bike). I have rcvd absolutely stellar customer service from native English speakers (their HQ is local to me). The first incident was a total loss of my car. They paid promptly and settled for more than I paid for the car. They base the value on what it would cost to replace the vehicle, not on "book". They actually did a survey of local dealers to come up with the payout figure. The lady I hit also said she rcvd first-class service from them, including rental car, etc. The second incident was damage I did to a neighbor's car when the side stand folded upon me getting of the parked bike. The bike was stopped and never actually touched the car, it was my shoulder that hit the rear door and made an expensive buffalo-sized dent in same. Whether this was even a covered accident would be debatable with some companies. GEICO handled it promptly without missing a beat. They even followed up with me a few days later to be sure I hadn't discovered any aches and pains that might need treatment (only my ego, sez I). Side note: the company I work for (not GEICO) does insurance of another sort (not car/bike). Progressive is a competitor in our market. I have heard our customers complain that Progressive is not fun to settle with. Many of our customers were overwhelmed by the Katrina Season. I'm told we picked up Progressive customers in the aftermath because their claims people were unpleasant to deal with. This is second hand info, though, and I cannot attest to the truth of it personally. Hopefully, no one would have a "State Farm" experience with them. I, too, had comprehensive and collision on the bike for the first year. Dropped it for second year, feeling that the value of the entire bike no longer warrants the cost. However, I keep high levels of coverage for uninsured drivers and for liability because medical costs can be stunning, especially in a relatively unprotected motorcycle crash. Since 95% of my riding is in cut-throat commuter traffic, composed of a huge number of un and under-insured immigrants, I figure this makes sense. Also, I live in one of the those litigious areas of the country (people here introduce themselves by saying "Do you know who I am?" and every third one of 'em is a lawyer, I swear). I strongly feel that bare minimum coverage is "asking for it", unless maybe you live in a rural area and mostly ride off-road. Everyone's perceived needs and tolerance of risk are different though. To me, the question is not so much covering the bike as it is covering my butt against huge liability or medical claims. The worst a KLR rider might be out (not counting farkle) is 5 grand or less for the bike. For medical costs, (mine or someone else's) it could be up to millions in a really bad case (think head or cord injuries with years of after-care). I once had a trauma pt. (in a previous career) who was a pedestrian who wandered out in front of a bike. Rider survived (for a change!), but the ped died expensively of major head trauma. I don't know what the insurance ramifications were, but since there was only one insurance company involved, I can guess... doug in downtown dc J Dirk Savage wrote:
> A little note on Progressive. .. > I like them, they seem to be reasonably priced, and I have a policy with them (although I've never had a claim). > However, after getting my policy online, I got a postal letter indicating that my rate would have been lower if my credit score (FICO) were higher. My FICO is over 700. So I called them up to ask them what crack they were smoking. I got the help center in...India. I've actually spent some quality time in India...but even I could not understand this guy's English. So I just grin and bear it. The price is still good. > > Jeremy > > > ----- Original Message ---- > From: revmaaatin > To: DSN_KLR650@yahoogro ups.com > Sent: Wednesday, January 10, 2007 12:48:02 AM > Subject: [DSN_KLR650] Re: Motorcycle insurance > > --- In DSN_KLR650@yahoogro ups.com, "loudicks" wrote: > >> Haven't seen much discussion of insurance on the board before. >> Maybe it's too personal or boring, but I'm curious what most >> dualsport riders do for insurance. When I got back into riding last >> year after a 15 year layoff, I just called my auto and home insurer >> ( American Family) and asked for liability only coverage on my 03 >> KLR. As I'll need to renew before next season, I'm wondering if i >> should add collision or any sort of additional disability >> insurance. All my life I've paid cash for vehicles and only carried >> the minimum of insurance on them, but now that I'm getting >> older and due to the inherent danger of motorcycling, I'm >> wondering if i should start carrying a fatter policy. Any thoughts? >> I'd also be interested in any good or bad experience anyone ha >> s had with their insurance company. For instance, I've yet to hear >> a happy story about settilimg a claim with All State. I'm >> wondering if I'd be better off moving my motorcycle coverage >> elsewhere. Thanks. >> > > Hello Lou, > Frequent poster Jeff Saline (name given for attribution, because I > was not smart enough to figure this out on my own) suggested to me > after buying my new-2-me KLR that you are the most dangerous/most > likely to crash in the first 1000 miles/first 90 days and, that > during that time frame, it is when you are most likely to need > collision insurance. Knowing that, one could purchase full coverage > insurance for that period of time, or longer, and then cancel. At > the very least, one could buy full coverage for the first year, then > reverting to liability only + comprehensive. > > I know from my own experience of the new-2-me KLR, the first 90 days > is when I got into the most trouble and thoroughly scared the pee- > wadding out of myself. One caveat, I had not been an active rider > from 1976-2003, which made me my own worst enemy. I wanted to pickup > riding 'at speed' at the point I had sold my last bike. It nearly > got me killed on Christmas day, 2003, and would have been dead if > the 'cage' had not been paying attention to my inability as I crossed > the centerline in an off-camber turn. (Not that full coverage would > have mattered during a head on collision at a closure rate exceeding > 110mph.) I wrote a little essay seen here "I died on Christmas Day" > some time back; summary: look where you want to go, do not look at > what you want to miss. > > I have followed Jeff's suggestion during the purchase of a R100RS, > and have recommended it to others as well: buy full coverage during > the most dangerous time/part of your learning about your new bike. > > So, how good is my current insurance? My insurance is PROGRESSIVE > (liability and comprehensive, road side assistance/towing) and have > yet to file a claim in the past 3 years; what I do know is that they > faithfully have cashed my checks, and I 'hope' that they will have > one for me when it is all said and done if I call them needing > assistance. > > Insurance is multi-faceted: Look closely at your current health > insurance. Some of it will not pay, if you are involved in a 'high- > risk' activity. If not, you may/will need the medical coverage as > well. > > revmaaatin. > > > > > ____________ _________ _________ _________ _________ __ > Do You Yahoo!? > Tired of spam? Yahoo! Mail has the best spam protection around > http://mail. yahoo.com > > [Non-text portions of this message have been removed] > > > > Archive Quicksearch at: http://www.angelfir e.com/ut/ moab/klr650_ data_search. html > List sponsored by Dual Sport News at: www.dualsportnews. com > List FAQ courtesy of Chris Krok at: www.bigcee.com/ klr650faq. html > Member Map at: http://www.frappr. com/dsnklr650 > Yahoo! Groups Links > > > > >
[Non-text portions of this message have been removed] ____________________________________________________________________________________ Cheap talk? Check out Yahoo! Messenger's low PC-to-Phone call rates. http://voice.yahoo.com [Non-text portions of this message have been removed]

mblotz

motorcycle insurance

Post by mblotz » Wed Jan 10, 2007 3:47 pm

Here is my take on motorcycle insurance and auto as well. I just moved from Denver CO to Vancouver British Columbia. I always felt insurance was the biggest scam out there, but needed none the less. I am a "collector having 9 motorcycles right now and 3 cars. i even thinned the heard before my move. In CO i paid what i considered very reasonable rate and why i ended up with so many bikes, just cheap to own really. now i move here, I will never rag on american insurance ever again. in the US its private at least, ie--competition of some form keeps rate at least somewhat honest. here in BC it is a government agency, you buy insurance from the government and they give yo ua plate that way. sounds great in therory right--no such thing as uninsured motorist. well what happens when there is no competition--the prices are insane. my bikes are going up 10-12 times what i paid in denver for roughly the same coverage. so dont rag on insurance to much, at least you can shop around for reasonable rates. and you should see how much i had to pay in other fees, $200 for each vehicle newer than 15 years to cross the border, and another $110 for each vehicle to get inspected. inspected for what? its all a big money making scam. oh yeah--I'm already thinkin of moving back to the US

kestrelfal
Posts: 331
Joined: Thu Apr 13, 2006 7:31 am

motorcycle insurance

Post by kestrelfal » Wed Jan 10, 2007 4:12 pm

The automotive repair industry scam is up there too. Fred
--- In DSN_KLR650@yahoogroups.com, "mblotz" wrote: > > Here is my take on motorcycle insurance and auto as well. I just moved > from Denver CO to Vancouver British Columbia. I always felt insurance > was the biggest scam out there, but needed none the less. I am a > "collector having 9 motorcycles right now and 3 cars. i even thinned > the heard before my move. In CO i paid what i considered very > reasonable rate and why i ended up with so many bikes, just cheap to > own really. > > now i move here, I will never rag on american insurance ever again. in > the US its private at least, ie--competition of some form keeps rate > at least somewhat honest. here in BC it is a government agency, you > buy insurance from the government and they give yo ua plate that way. > sounds great in therory right--no such thing as uninsured motorist. > well what happens when there is no competition--the prices are insane. > my bikes are going up 10-12 times what i paid in denver for roughly > the same coverage. > > so dont rag on insurance to much, at least you can shop around for > reasonable rates. and you should see how much i had to pay in other > fees, $200 for each vehicle newer than 15 years to cross the border, > and another $110 for each vehicle to get inspected. inspected for > what? its all a big money making scam. > > oh yeah--I'm already thinkin of moving back to the US >

Jud Jones
Posts: 1251
Joined: Wed Mar 03, 2004 2:52 pm

motorcycle insurance

Post by Jud Jones » Wed Jan 10, 2007 4:35 pm

--- In DSN_KLR650@yahoogroups.com, J Dirk Savage wrote:
> > In 1994 I called Geico for a quote on car insurance. They asked me if I owned a radar
detector. Like and idiot, I answered without even thinking (yes). This was after they had gotten my SSN. They informed me that I was banned from getting Geico insurance for 6 months and they recommended that I get rid of the radar detector (which is 100% legal in 48 states, including the one I lived in at the time). Geico is the same company that *gives* radar guns away to local police departments in the name of safety (and is owned by Berkshire- Hathaway...Warren Buffet's investment company). I consider this to be a some kind of freaky conflict of interest (and I'm a former police officer) and it is the reason I don't go with Geico for insurance (or invest in Berkshire-Hathaway for that matter).
>
Sounds like somebody got up on the wrong side of the rock.

J Dirk Savage
Posts: 12
Joined: Fri Dec 08, 2006 7:56 pm

motorcycle insurance

Post by J Dirk Savage » Wed Jan 10, 2007 4:38 pm

Sorry, I did word that confusingly...conflict of interest for consumers, not Geico. I don't know how *most* people can reconcile the fact that their insurance company is out to give them the double-whammy through premiums and further through surcharges for citation(s) that they assisted the police in giving you. Geico greatly benefits by discouraging radar detector use and promoting radar gun use via higher premiums they can charge if you have a citation(s) on your record. They are less concerned about your safety and more concerned about their profits. Keep in mind, I do make a distinction between speeding and unsafe driving. Many, many roads have the speed limits set artificially low for the purposes of revenue generation. This is especially true of small towns (like the one I used to patrol). I have actually been at city council meetings where they discussed it matter-of-factly (city was broke...lower limits 5 mph). Having said all of that...yes, the law is the law (even if ill conceived). Jeremy ----- Original Message ---- From: J T To: jdirksavage@...; djbouley@... Sent: Wednesday, January 10, 2007 3:46:07 PM Subject: Re: [DSN_KLR650] Re: Motorcycle insurance What Geico did in this case sounds like the opposite of a conflict of interest, if I'm understanding the scenario correctly. Given the favorable business implications (for them) of working with police to enforce speed limits, it's in their interest to turn away users of radar-detectors. Or am I missing something? And what keeps me from investing in Berkshire Hathaway is the $10,950 (per share!) price. But that's just me...
>From: J Dirk Savage >Reply-To: J Dirk Savage >To: Douglas Bouley >In 1994 I called Geico for a quote on car insurance. They asked me if I >owned a radar detector. Like and idiot, I answered without even thinking >(yes). This was after they had gotten my SSN. They informed me that I was >banned from getting Geico insurance for 6 months and they recommended that >I get rid of the radar detector (which is 100% legal in 48 states, >including the one I lived in at the time). Geico is the same company that >*gives* radar guns away to local police departments in the name of safety >(and is owned by Berkshire-Hathaway...Warren Buffet's investment company). >I consider this to be a some kind of freaky conflict of interest (and I'm a >former police officer) and it is the reason I don't go with Geico for >insurance (or invest in Berkshire-Hathaway for that matter). > >Jeremy > > >----- Original Message ---- >From: Douglas Bouley >Cc: DSN_KLR650@yahoogroups.com >Sent: Wednesday, January 10, 2007 9:13:57 AM >Subject: Re: [DSN_KLR650] Re: Motorcycle insurance > >I use GEICO, fwiw. > >Considering where I live, the rates are not only decent, they are one of >the few outfits who will even write motorcycle insurance here. Have had >to make two claims in two years (1 car, 1 bike). I have rcvd absolutely >stellar customer service from native English speakers (their HQ is local >to me). The first incident was a total loss of my car. They paid >promptly and settled for more than I paid for the car. They base the >value on what it would cost to replace the vehicle, not on "book". They >actually did a survey of local dealers to come up with the payout >figure. The lady I hit also said she rcvd first-class service from them, >including rental car, etc. > >The second incident was damage I did to a neighbor's car when the side >stand folded upon me getting of the parked bike. The bike was stopped >and never actually touched the car, it was my shoulder that hit the rear >door and made an expensive buffalo-sized dent in same. Whether this was >even a covered accident would be debatable with some companies. GEICO >handled it promptly without missing a beat. They even followed up with >me a few days later to be sure I hadn't discovered any aches and pains >that might need treatment (only my ego, sez I). > >Side note: the company I work for (not GEICO) does insurance of another >sort (not car/bike). Progressive is a competitor in our market. I have >heard our customers complain that Progressive is not fun to settle with. >Many of our customers were overwhelmed by the Katrina Season. I'm told >we picked up Progressive customers in the aftermath because their claims >people were unpleasant to deal with. This is second hand info, though, >and I cannot attest to the truth of it personally. Hopefully, no one >would have a "State Farm" experience with them. > >I, too, had comprehensive and collision on the bike for the first year. >Dropped it for second year, feeling that the value of the entire bike no >longer warrants the cost. However, I keep high levels of coverage for >uninsured drivers and for liability because medical costs can be >stunning, especially in a relatively unprotected motorcycle crash. Since >95% of my riding is in cut-throat commuter traffic, composed of a huge >number of un and under-insured immigrants, I figure this makes sense. >Also, I live in one of the those litigious areas of the country (people >here introduce themselves by saying "Do you know who I am?" and every >third one of 'em is a lawyer, I swear). > >I strongly feel that bare minimum coverage is "asking for it", unless >maybe you live in a rural area and mostly ride off-road. Everyone's >perceived needs and tolerance of risk are different though. To me, the >question is not so much covering the bike as it is covering my butt >against huge liability or medical claims. The worst a KLR rider might be >out (not counting farkle) is 5 grand or less for the bike. For medical >costs, (mine or someone else's) it could be up to millions in a really >bad case (think head or cord injuries with years of after-care). I once >had a trauma pt. (in a previous career) who was a pedestrian who >wandered out in front of a bike. Rider survived (for a change!), but the >ped died expensively of major head trauma. I don't know what the >insurance ramifications were, but since there was only one insurance >company involved, I can guess... > >doug in downtown dc > >J Dirk Savage wrote: > > A little note on Progressive. .. > > I like them, they seem to be reasonably priced, and I have a policy with >them (although I've never had a claim). > > However, after getting my policy online, I got a postal letter >indicating that my rate would have been lower if my credit score (FICO) >were higher. My FICO is over 700. So I called them up to ask them what >crack they were smoking. I got the help center in...India. I've actually >spent some quality time in India...but even I could not understand this >guy's English. So I just grin and bear it. The price is still good. > > > > Jeremy > > > > > > ----- Original Message ---- > > From: revmaaatin > > To: DSN_KLR650@yahoogro ups.com > > Sent: Wednesday, January 10, 2007 12:48:02 AM > > Subject: [DSN_KLR650] Re: Motorcycle insurance > > > > --- In DSN_KLR650@yahoogro ups.com, "loudicks" wrote: > > > >> Haven't seen much discussion of insurance on the board before. > >> Maybe it's too personal or boring, but I'm curious what most > >> dualsport riders do for insurance. When I got back into riding last > >> year after a 15 year layoff, I just called my auto and home insurer > >> ( American Family) and asked for liability only coverage on my 03 > >> KLR. As I'll need to renew before next season, I'm wondering if i > >> should add collision or any sort of additional disability > >> insurance. All my life I've paid cash for vehicles and only carried > >> the minimum of insurance on them, but now that I'm getting > >> older and due to the inherent danger of motorcycling, I'm > >> wondering if i should start carrying a fatter policy. Any thoughts? > >> I'd also be interested in any good or bad experience anyone ha > >> s had with their insurance company. For instance, I've yet to hear > >> a happy story about settilimg a claim with All State. I'm > >> wondering if I'd be better off moving my motorcycle coverage > >> elsewhere. Thanks. > >> > > > > Hello Lou, > > Frequent poster Jeff Saline (name given for attribution, because I > > was not smart enough to figure this out on my own) suggested to me > > after buying my new-2-me KLR that you are the most dangerous/most > > likely to crash in the first 1000 miles/first 90 days and, that > > during that time frame, it is when you are most likely to need > > collision insurance. Knowing that, one could purchase full coverage > > insurance for that period of time, or longer, and then cancel. At > > the very least, one could buy full coverage for the first year, then > > reverting to liability only + comprehensive. > > > > I know from my own experience of the new-2-me KLR, the first 90 days > > is when I got into the most trouble and thoroughly scared the pee- > > wadding out of myself. One caveat, I had not been an active rider > > from 1976-2003, which made me my own worst enemy. I wanted to pickup > > riding 'at speed' at the point I had sold my last bike. It nearly > > got me killed on Christmas day, 2003, and would have been dead if > > the 'cage' had not been paying attention to my inability as I crossed > > the centerline in an off-camber turn. (Not that full coverage would > > have mattered during a head on collision at a closure rate exceeding > > 110mph.) I wrote a little essay seen here "I died on Christmas Day" > > some time back; summary: look where you want to go, do not look at > > what you want to miss. > > > > I have followed Jeff's suggestion during the purchase of a R100RS, > > and have recommended it to others as well: buy full coverage during > > the most dangerous time/part of your learning about your new bike. > > > > So, how good is my current insurance? My insurance is PROGRESSIVE > > (liability and comprehensive, road side assistance/towing) and have > > yet to file a claim in the past 3 years; what I do know is that they > > faithfully have cashed my checks, and I 'hope' that they will have > > one for me when it is all said and done if I call them needing > > assistance. > > > > Insurance is multi-faceted: Look closely at your current health > > insurance. Some of it will not pay, if you are involved in a 'high- > > risk' activity. If not, you may/will need the medical coverage as > > well. > > > > revmaaatin. > > > > > > > > > > ____________ _________ _________ _________ _________ __ > > Do You Yahoo!? > > Tired of spam? Yahoo! Mail has the best spam protection around > > http://mail. yahoo.com > > > > [Non-text portions of this message have been removed] > > > > > > > > Archive Quicksearch at: http://www.angelfir e.com/ut/ moab/klr650_ >data_search. html > > List sponsored by Dual Sport News at: www.dualsportnews. com > > List FAQ courtesy of Chris Krok at: www.bigcee.com/ klr650faq. html > > Member Map at: http://www.frappr. com/dsnklr650 > > Yahoo! Groups Links > > > > > > > > > > > >[Non-text portions of this message have been removed] > > > > > > >____________________________________________________________________________________ >Cheap talk? >Check out Yahoo! Messenger's low PC-to-Phone call rates. >http://voice.yahoo.com > >[Non-text portions of this message have been removed] >
_________________________________________________________________ Dave vs. Carl: The Insignificant Championship Series. Who will win? http://clk.atdmt.com/MSN/go/msnnkwsp007 ... SN38C07001 __________________________________________________ Do You Yahoo!? Tired of spam? Yahoo! Mail has the best spam protection around http://mail.yahoo.com [Non-text portions of this message have been removed]

Jud Jones
Posts: 1251
Joined: Wed Mar 03, 2004 2:52 pm

motorcycle insurance

Post by Jud Jones » Wed Jan 10, 2007 4:49 pm

--- In DSN_KLR650@yahoogroups.com, J Dirk Savage wrote:
> > Sorry, I did word that confusingly...conflict of interest for consumers, not Geico. I don't
know how *most* people can reconcile the fact that their insurance company is out to give them the double-whammy through premiums and further through surcharges for citation(s) that they assisted the police in giving you. Geico greatly benefits by discouraging radar detector use and promoting radar gun use via higher premiums they can charge if you have a citation(s) on your record. They are less concerned about your safety and more concerned about their profits.
> Keep in mind, I do make a distinction between speeding and unsafe driving. Many, many
roads have the speed limits set artificially low for the purposes of revenue generation. This is especially true of small towns (like the one I used to patrol). I have actually been at city council meetings where they discussed it matter-of-factly (city was broke...lower limits 5 mph). Having said all of that...yes, the law is the law (even if ill conceived).
>
I find it curious that any motorcyclist would ever consider spending their money on Geico, their amusing ad campaigns notwithstanding. Geico is a long-time enemy of motorcyclists, as anyone who remembers their war on sport bikes during the '80s. Astronomical premiums, and joint lobbying efforts with John O'Brien and the Insurance Institute for Highway Safety were the order of the day. It takes a lot of nerve.

Ronald Criswell
Posts: 435
Joined: Mon Mar 06, 2006 5:29 pm

motorcycle insurance

Post by Ronald Criswell » Wed Jan 10, 2007 7:12 pm

Jeremy you said it. speeds limits are money generators in a lot of areas ... and they don't really help safety in .... a lot of areas. Go with the flow ...... on speed. 150 ont he freeway is not a good idea. Neither is 40 mph. Criswell
On Jan 10, 2007, at 4:37 PM, J Dirk Savage wrote: > Sorry, I did word that confusingly...conflict of interest for > consumers, not Geico. I don't know how *most* people can reconcile > the fact that their insurance company is out to give them the > double-whammy through premiums and further through surcharges for > citation(s) that they assisted the police in giving you. Geico > greatly benefits by discouraging radar detector use and promoting > radar gun use via higher premiums they can charge if you have a > citation(s) on your record. They are less concerned about your > safety and more concerned about their profits. > Keep in mind, I do make a distinction between speeding and unsafe > driving. Many, many roads have the speed limits set artificially > low for the purposes of revenue generation. This is especially true > of small towns (like the one I used to patrol). I have actually > been at city council meetings where they discussed it matter-of- > factly (city was broke...lower limits 5 mph). Having said all of > that...yes, the law is the law (even if ill conceived). > > Jeremy > > ----- Original Message ---- > From: J T > To: jdirksavage@...; djbouley@... > Sent: Wednesday, January 10, 2007 3:46:07 PM > Subject: Re: [DSN_KLR650] Re: Motorcycle insurance > > What Geico did in this case sounds like the opposite of a conflict of > interest, if I'm understanding the scenario correctly. Given the > favorable > business implications (for them) of working with police to enforce > speed > limits, it's in their interest to turn away users of radar- > detectors. Or am > I missing something? > > And what keeps me from investing in Berkshire Hathaway is the > $10,950 (per > share!) price. But that's just me... > > >From: J Dirk Savage > >Reply-To: J Dirk Savage > >To: Douglas Bouley > > >In 1994 I called Geico for a quote on car insurance. They asked me > if I > >owned a radar detector. Like and idiot, I answered without even > thinking > >(yes). This was after they had gotten my SSN. They informed me > that I was > >banned from getting Geico insurance for 6 months and they > recommended that > >I get rid of the radar detector (which is 100% legal in 48 states, > >including the one I lived in at the time). Geico is the same > company that > >*gives* radar guns away to local police departments in the name of > safety > >(and is owned by Berkshire-Hathaway...Warren Buffet's investment > company). > >I consider this to be a some kind of freaky conflict of interest > (and I'm a > >former police officer) and it is the reason I don't go with Geico for > >insurance (or invest in Berkshire-Hathaway for that matter). > > > >Jeremy > > > > > >----- Original Message ---- > >From: Douglas Bouley > >Cc: DSN_KLR650@yahoogroups.com > >Sent: Wednesday, January 10, 2007 9:13:57 AM > >Subject: Re: [DSN_KLR650] Re: Motorcycle insurance > > > >I use GEICO, fwiw. > > > >Considering where I live, the rates are not only decent, they are > one of > >the few outfits who will even write motorcycle insurance here. > Have had > >to make two claims in two years (1 car, 1 bike). I have rcvd > absolutely > >stellar customer service from native English speakers (their HQ is > local > >to me). The first incident was a total loss of my car. They paid > >promptly and settled for more than I paid for the car. They base the > >value on what it would cost to replace the vehicle, not on "book". > They > >actually did a survey of local dealers to come up with the payout > >figure. The lady I hit also said she rcvd first-class service from > them, > >including rental car, etc. > > > >The second incident was damage I did to a neighbor's car when the > side > >stand folded upon me getting of the parked bike. The bike was stopped > >and never actually touched the car, it was my shoulder that hit > the rear > >door and made an expensive buffalo-sized dent in same. Whether > this was > >even a covered accident would be debatable with some companies. GEICO > >handled it promptly without missing a beat. They even followed up > with > >me a few days later to be sure I hadn't discovered any aches and > pains > >that might need treatment (only my ego, sez I). > > > >Side note: the company I work for (not GEICO) does insurance of > another > >sort (not car/bike). Progressive is a competitor in our market. I > have > >heard our customers complain that Progressive is not fun to settle > with. > >Many of our customers were overwhelmed by the Katrina Season. I'm > told > >we picked up Progressive customers in the aftermath because their > claims > >people were unpleasant to deal with. This is second hand info, > though, > >and I cannot attest to the truth of it personally. Hopefully, no one > >would have a "State Farm" experience with them. > > > >I, too, had comprehensive and collision on the bike for the first > year. > >Dropped it for second year, feeling that the value of the entire > bike no > >longer warrants the cost. However, I keep high levels of coverage for > >uninsured drivers and for liability because medical costs can be > >stunning, especially in a relatively unprotected motorcycle crash. > Since > >95% of my riding is in cut-throat commuter traffic, composed of a > huge > >number of un and under-insured immigrants, I figure this makes sense. > >Also, I live in one of the those litigious areas of the country > (people > >here introduce themselves by saying "Do you know who I am?" and every > >third one of 'em is a lawyer, I swear). > > > >I strongly feel that bare minimum coverage is "asking for it", unless > >maybe you live in a rural area and mostly ride off-road. Everyone's > >perceived needs and tolerance of risk are different though. To me, > the > >question is not so much covering the bike as it is covering my butt > >against huge liability or medical claims. The worst a KLR rider > might be > >out (not counting farkle) is 5 grand or less for the bike. For > medical > >costs, (mine or someone else's) it could be up to millions in a > really > >bad case (think head or cord injuries with years of after-care). I > once > >had a trauma pt. (in a previous career) who was a pedestrian who > >wandered out in front of a bike. Rider survived (for a change!), > but the > >ped died expensively of major head trauma. I don't know what the > >insurance ramifications were, but since there was only one insurance > >company involved, I can guess... > > > >doug in downtown dc > > > >J Dirk Savage wrote: > > > A little note on Progressive. .. > > > I like them, they seem to be reasonably priced, and I have a > policy with > >them (although I've never had a claim). > > > However, after getting my policy online, I got a postal letter > >indicating that my rate would have been lower if my credit score > (FICO) > >were higher. My FICO is over 700. So I called them up to ask them > what > >crack they were smoking. I got the help center in...India. I've > actually > >spent some quality time in India...but even I could not understand > this > >guy's English. So I just grin and bear it. The price is still good. > > > > > > Jeremy > > > > > > > > > ----- Original Message ---- > > > From: revmaaatin > > > To: DSN_KLR650@yahoogro ups.com > > > Sent: Wednesday, January 10, 2007 12:48:02 AM > > > Subject: [DSN_KLR650] Re: Motorcycle insurance > > > > > > --- In DSN_KLR650@yahoogro ups.com, "loudicks" > wrote: > > > > > >> Haven't seen much discussion of insurance on the board before. > > >> Maybe it's too personal or boring, but I'm curious what most > > >> dualsport riders do for insurance. When I got back into riding > last > > >> year after a 15 year layoff, I just called my auto and home > insurer > > >> ( American Family) and asked for liability only coverage on my 03 > > >> KLR. As I'll need to renew before next season, I'm wondering if i > > >> should add collision or any sort of additional disability > > >> insurance. All my life I've paid cash for vehicles and only > carried > > >> the minimum of insurance on them, but now that I'm getting > > >> older and due to the inherent danger of motorcycling, I'm > > >> wondering if i should start carrying a fatter policy. Any > thoughts? > > >> I'd also be interested in any good or bad experience anyone ha > > >> s had with their insurance company. For instance, I've yet to > hear > > >> a happy story about settilimg a claim with All State. I'm > > >> wondering if I'd be better off moving my motorcycle coverage > > >> elsewhere. Thanks. > > >> > > > > > > Hello Lou, > > > Frequent poster Jeff Saline (name given for attribution, because I > > > was not smart enough to figure this out on my own) suggested to me > > > after buying my new-2-me KLR that you are the most dangerous/most > > > likely to crash in the first 1000 miles/first 90 days and, that > > > during that time frame, it is when you are most likely to need > > > collision insurance. Knowing that, one could purchase full > coverage > > > insurance for that period of time, or longer, and then cancel. At > > > the very least, one could buy full coverage for the first year, > then > > > reverting to liability only + comprehensive. > > > > > > I know from my own experience of the new-2-me KLR, the first 90 > days > > > is when I got into the most trouble and thoroughly scared the pee- > > > wadding out of myself. One caveat, I had not been an active rider > > > from 1976-2003, which made me my own worst enemy. I wanted to > pickup > > > riding 'at speed' at the point I had sold my last bike. It nearly > > > got me killed on Christmas day, 2003, and would have been dead if > > > the 'cage' had not been paying attention to my inability as I > crossed > > > the centerline in an off-camber turn. (Not that full coverage > would > > > have mattered during a head on collision at a closure rate > exceeding > > > 110mph.) I wrote a little essay seen here "I died on Christmas > Day" > > > some time back; summary: look where you want to go, do not look at > > > what you want to miss. > > > > > > I have followed Jeff's suggestion during the purchase of a R100RS, > > > and have recommended it to others as well: buy full coverage > during > > > the most dangerous time/part of your learning about your new bike. > > > > > > So, how good is my current insurance? My insurance is PROGRESSIVE > > > (liability and comprehensive, road side assistance/towing) and > have > > > yet to file a claim in the past 3 years; what I do know is that > they > > > faithfully have cashed my checks, and I 'hope' that they will have > > > one for me when it is all said and done if I call them needing > > > assistance. > > > > > > Insurance is multi-faceted: Look closely at your current health > > > insurance. Some of it will not pay, if you are involved in a > 'high- > > > risk' activity. If not, you may/will need the medical coverage as > > > well. > > > > > > revmaaatin. > > > > > > > > > > > > > > > ____________ _________ _________ _________ _________ __ > > > Do You Yahoo!? > > > Tired of spam? Yahoo! Mail has the best spam protection around > > > http://mail. yahoo.com > > > > > > [Non-text portions of this message have been removed] > > > > > > > > > > > > Archive Quicksearch at: http://www.angelfir e.com/ut/ moab/klr650_ > >data_search. html > > > List sponsored by Dual Sport News at: www.dualsportnews. com > > > List FAQ courtesy of Chris Krok at: www.bigcee.com/ klr650faq. > html > > > Member Map at: http://www.frappr. com/dsnklr650 > > > Yahoo! Groups Links > > > > > > > > > > > > > > > > > > >[Non-text portions of this message have been removed] > > > > > > > > > > > > > >__________________________________________________________ > >Cheap talk? > >Check out Yahoo! Messenger's low PC-to-Phone call rates. > >http://voice.yahoo.com > > > >[Non-text portions of this message have been removed] > > > > __________________________________________________________ > Dave vs. Carl: The Insignificant Championship Series. Who will win? > http://clk.atdmt.com/MSN/go/msnnkwsp007 ... direct/01/? > href=http://davevscarl.spaces.live.com/?icid=T001MSN38C07001 > > __________________________________________________ > Do You Yahoo!? > Tired of spam? Yahoo! Mail has the best spam protection around > http://mail.yahoo.com > > [Non-text portions of this message have been removed] > > > [Non-text portions of this message have been removed]

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