hidden safety items ;)

[Eddie]

I have both my bikes insured with State Farm. They didn't say a thing about my KLR being an off-road capable bike nor did they blink about the CBR250R being a "sport bike". Heck, previously, I've insured two Honda Transalp 600s and a Suzuki DL1000 with them without question or additional $$$. eddie

> [Original Message] > From: gotaxi61 > To: DSN_KLR650@yahoogroups.com> > Date: 6/9/2011 6:08:55 PM > Subject: [DSN_KLR650] State Farm insurance problems with KLR > > I got a call today from state farm telling me they would not insure my

KLR650 because its a dual purpose bike and I may take it off of paved roads. They want me to buy additional dirt bike insurance that wont cover me on-road to go with my on-road insurance. If not, no insurance at all. Probably because I got collision and medical insurance on it and me.

> I know a lot of you guys are are insured with them. What do you do? > David > >

[Eric J Foster]

Tell them they obviously are making too much money, therefore they no longer need your business. I knew there was a reason I always hated State Farm.

[eddie mauri]

I use Progressive and I like the low process and great services. Progressive covers both the KLR and Medical. BTW, "Flo" the gal in the Progressive commercials got a text photo from Anthony Wiener and that little reptile on the Geico Commercials, they should be ashamed. Eddie [Non-text portions of this message have been removed]

[Ronald Criswell]

I have all my bikes covered through Progressive and not had any problems. Of course I have not had any claims. Once I knocked over the Concours accidentally and broke a side panel of plastic plus a foot peg. The agent told me insurance is for catostphic damage. Hmmm....the $500 or so I shelled out to replace stuff was pretty catosthrophic to me. He didn't agree. I guess you should be dead to make a claim. Criswell

On Jun 9, 2011, at 5:17 PM, mark ward wrote: > I'm with AAA No issues AND MEDICAL IS CHEAP. > > --- On Thu, 6/9/11, gotaxi61 wrote: > > From: gotaxi61 > Subject: [DSN_KLR650] State Farm insurance problems with KLR > To: DSN_KLR650@yahoogroups.com > Date: Thursday, June 9, 2011, 10:04 PM > > > > I got a call today from state farm telling me they would not insure my KLR650 because its a dual purpose bike and I may take it off of paved roads. They want me to buy additional dirt bike insurance that wont cover me on-road to go with my on-road insurance. If not, no insurance at all. Probably because I got collision and medical insurance on it and me. > I know a lot of you guys are are insured with them. What do you do? > David > > [Non-text portions of this message have been removed] > > [Non-text portions of this message have been removed]

[mechanizeinc]

All of you folks stating that your insurance company is great, please clarify if you mean you're getting a great rate or if you've made a claim and received great service. Getting cheap insurance doesn't do me any good if they give you hassles and/or never pay a claim. I had homeowners, boat, two cars and life insurance with State Farm. They are awesome. Someone ran a red and t-boned my wife... State Farm was there. Someone busted into my truck and stole a buncha crap... Like a good neighbor, yep, they did me right and paid up no problem. I called to get my HD insured, and my agent gave me an outrageously expensive quote. I asked why and he said "We have your life insurance, dude. They know that if you get in an accident on the bike, they will most likely have to pay out on the life policy." Or some such nonsense. The agent may or may not have said "dude." PIP varies state to state. In Texas, they HAVE to offer it. You automatically get it if you don't sign a waiver explicitly stating you refuse it. I do believe it's a min amount of $1000 or so. I opted for $3000, the same amount as my medical insurance deductible. And Progressive has paid up twice, never any issues, without raising my rates. Mech

--- In DSN_KLR650@yahoogroups.com, "gotaxi61" wrote: > > I got a call today from state farm telling me they would not insure my KLR650 because its a dual purpose bike and I may take it off of paved roads. They want me to buy additional dirt bike insurance that wont cover me on-road to go with my on-road insurance. If not, no insurance at all. Probably because I got collision and medical insurance on it and me. > I know a lot of you guys are are insured with them. What do you do? > David >

[RobertWichert]

Insurance is SUCH a good deal. By the time you have an accident, the bike is worth so little that once you take off the deductible, you get nothing! Such B.S. Did they reduce the payment to nothing? NO! But as the value of the bike drops like a stone, the cost of coverage stays the same! For nothing! And if the other person has no insurance (happened to me!) my insurance company just shrugs their shoulders "Could not recover the judgment from the other driver". Case closed, you're screwed. I am SO tempted to just carry liability, but I never do it. I guess I'm an idiot. Robert P. Wichert P.Eng LEED AP +1 916 966 9060 FAX +1 916 966 9068 ===============================================

On 6/10/2011 6:17 AM, Ronald Criswell wrote: > I have all my bikes covered through Progressive and not had any problems. Of course I have not had any claims. Once I knocked over the Concours accidentally and broke a side panel of plastic plus a foot peg. The agent told me insurance is for catostphic damage. Hmmm....the $500 or so I shelled out to replace stuff was pretty catosthrophic to me. He didn't agree. I guess you should be dead to make a claim. > > Criswell > On Jun 9, 2011, at 5:17 PM, mark ward wrote: > >> I'm with AAA No issues AND MEDICAL IS CHEAP. >> >> --- On Thu, 6/9/11, gotaxi61 wrote: >> >> From: gotaxi61 >> Subject: [DSN_KLR650] State Farm insurance problems with KLR >> To: DSN_KLR650@yahoogroups.com >> Date: Thursday, June 9, 2011, 10:04 PM >> >> >> >> I got a call today from state farm telling me they would not insure my KLR650 because its a dual purpose bike and I may take it off of paved roads. They want me to buy additional dirt bike insurance that wont cover me on-road to go with my on-road insurance. If not, no insurance at all. Probably because I got collision and medical insurance on it and me. >> I know a lot of you guys are are insured with them. What do you do? >> David >> >> [Non-text portions of this message have been removed] >> >> > > > [Non-text portions of this message have been removed] > > > > ------------------------------------ > > List Sponsors - Dual Sport News: http://www.dualsportnews.com > Arrowhead Motorsports: http://www.arrowheadmotorsports.com > List FAQ courtesy of Chris Krok: http://www.bigcee.com/klr650faq.html > Member Map: http://groups.yahoo.com/group/DSN_KLR650/app/peoplemap/view/map > Group Apps: http://groups.yahoo.com/group/DSN_KLR650/grouplets/subscriptionsYahoo! Groups Links > > > > > >

[Jud]

That is why the coverages you really need are U and W, uninsured and underinsured coverage. If you are a halfway decent rider, the odds that the other guy will be at fault are huge. U and W are cheap compared to collision. They will pay for your bike and your injuries if the other guy is at fault and a deadbeat. The cost of PIP in Minnesota is prohibitive, and collision usually comes with hefty deductibles or else is also prohibitively expensive. Of course these things do vary widely. I pay from $95 to $195/year/bike for the kind of coverage I am talking about. When I hear about guys paying that much per month, the mind boggles. But you live where you live, and have to deal with prevailing local conditions. Right across the river in Sconny, insurance costs a fraction what it does here, on the exurban fringe of the Twin Cities. In L.A. guys pay more per year in insurance than I pay for a pretty nice bike.

--- In DSN_KLR650@yahoogroups.com, RobertWichert wrote: > > Insurance is SUCH a good deal. > > By the time you have an accident, the bike is worth so little that once > you take off the deductible, you get nothing! Such B.S. Did they > reduce the payment to nothing? NO! But as the value of the bike drops > like a stone, the cost of coverage stays the same! For nothing! > > And if the other person has no insurance (happened to me!) my insurance > company just shrugs their shoulders "Could not recover the judgment from > the other driver". Case closed, you're screwed. > > > I am SO tempted to just carry liability, but I never do it. I guess I'm > an idiot. > > > Robert P. Wichert P.Eng LEED AP > +1 916 966 9060 > FAX +1 916 966 9068 > > > > > > > > > > > > =============================================== > > > On 6/10/2011 6:17 AM, Ronald Criswell wrote: > > I have all my bikes covered through Progressive and not had any problems. Of course I have not had any claims. Once I knocked over the Concours accidentally and broke a side panel of plastic plus a foot peg. The agent told me insurance is for catostphic damage. Hmmm....the $500 or so I shelled out to replace stuff was pretty catosthrophic to me. He didn't agree. I guess you should be dead to make a claim. > > > > Criswell > > On Jun 9, 2011, at 5:17 PM, mark ward wrote: > > > >> I'm with AAA No issues AND MEDICAL IS CHEAP. > >> > >> --- On Thu, 6/9/11, gotaxi61 wrote: > >> > >> From: gotaxi61 > >> Subject: [DSN_KLR650] State Farm insurance problems with KLR > >> To: DSN_KLR650@yahoogroups.com > >> Date: Thursday, June 9, 2011, 10:04 PM > >> > >> > >> > >> I got a call today from state farm telling me they would not insure my KLR650 because its a dual purpose bike and I may take it off of paved roads. They want me to buy additional dirt bike insurance that wont cover me on-road to go with my on-road insurance. If not, no insurance at all. Probably because I got collision and medical insurance on it and me. > >> I know a lot of you guys are are insured with them. What do you do? > >> David > >> > >> [Non-text portions of this message have been removed] > >> > >> > > > > > > [Non-text portions of this message have been removed] > > > > > > > > ------------------------------------ > > > > List Sponsors - Dual Sport News: http://www.dualsportnews.com > > Arrowhead Motorsports: http://www.arrowheadmotorsports.com > > List FAQ courtesy of Chris Krok: http://www.bigcee.com/klr650faq.html > > Member Map: http://groups.yahoo.com/group/DSN_KLR650/app/peoplemap/view/map > > Group Apps: http://groups.yahoo.com/group/DSN_KLR650/grouplets/subscriptionsYahoo! Groups Links > > > > > > > > > > > > >

[Eddie]

Who knew there were so energy-absorbing materials on a KLR? eddie [Original Message] (snip) I actually use my front fender, handlebars and mirrors as crash bars. It works great! Oh, and turn signals too, sometimes. Robert P. Wichert P.Eng LEED AP +1 916 966 9060 FAX +1 916 966 9068