k bike sitting nklr

[revmaaatin]

--- In DSN_KLR650@yahoogroups.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.

[J Dirk Savage]

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]

[Ronald Criswell]

> 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]

[Don S]

The policy of businesses to have their "God Help Us" centers in foreign countries manned by employees who are difficult to communicate with is a ploy to wear us down. Stay at their throats. If you can't understand the first person, go to the second, third..... etc. Do not give up. 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] __________________________________________________ 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]

[Don S]

I recall many years ago, when I was very young, in my early twenties I had home owners insurance with Allstate. I had never had a claim with them or any other insurance company - ever. When I went to renew my insurance with them, they refused me. No real reason other than the ubiquitous "higher than normal risk factor". For what? I'd never submitted a claim. I assumed that anyone in their early twenties who owns a home is a "higher than normal risk factor". It's been over thirty years and our household insurance for everything we have has been several thousand dollars annually. Not one red cent has gone to Allstate and never will. 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. --------------------------------- Everyone is raving about the all-new Yahoo! Mail beta. [Non-text portions of this message have been removed]

[Douglas Bouley]

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 > > > > >

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[kestrelfal]

They're all run by Harley Davidson's call center subsidiary and they're all wearing _ss_ess chaps and a lot of chrome. Whoddaevvathunkkit. Fred

--- In DSN_KLR650@yahoogroups.com, Don S wrote: > > The policy of businesses to have their "God Help Us" centers in foreign countries manned by employees who are difficult to communicate with is a ploy to wear us down. Stay at their throats. If you can't understand the first person, go to the second, third..... etc. Do not give up.

[Blake Sobiloff]

On Jan 10, 2007, at 6:08 AM, Ronald Criswell wrote:

>> 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 agree that running red lights is more dangerous than mild speeding, but don't fool yourself that the red light cameras make you safer. Back in DC the government started shortening the duration of the yellows so that they could get more revenue from these cameras. The same thing happens in other cities with the cameras, too: www.motorists.com/pressreleases/redlightrevenue.html> -- Blake Sobiloff http://sobiloff.typepad.com/blakeblog/> http://sobiloff.typepad.com/klr_adventure/> San Jose, CA (USA) [Non-text portions of this message have been removed]

[Joe Nelson]

>>>>>>>>>>>> The same thing happened to me (with Progressive) after I applied for two credit cards within too "short a period of time." Went up $6 for the year. Nothing wrong with my credit rating either....WTF JOE in WI ____________________________________________________________________________________ Do you Yahoo!? Everyone is raving about the all-new Yahoo! Mail beta. http://new.mail.yahoo.com

[Guest]

On Jan 10, 2007, at 7:23 AM, Blake Sobiloff wrote:

> Back in DC the government started shortening the duration of the > yellows so that they could get more revenue from these cameras.

One more reason to be grateful I live in a town without a single red light (except for the ones on our fire engines). Matt Knowles - Ferndale, CA - http://www.knowlesville.com/matt/motorcycles '99 Sprint ST - for going fast and far (2CZUSA) '01 KLR650 (A15) - for exploring the North Coast backroads '97 KLX300 & '01 Lakota - for playing in the dirt '79 KZ400 - just because it was the first vehicle I ever owned