Damn that Hurts (Final)
Tourer
Joined: Oct 2006
Posts: 486
Likes: 0
From: Texas!!
RE: Damn that Hurts (Final)
I am so glad I left South Florida (Oct 2006).
Half the drivers have no insurance, and half of those have no license.
They just don't care, and neither does the State Government.
I ride so much more relaxed out here, it's like a whole different world.
Good luck to you, hope it works out better than it has so far.
Half the drivers have no insurance, and half of those have no license.
They just don't care, and neither does the State Government.
I ride so much more relaxed out here, it's like a whole different world.
Good luck to you, hope it works out better than it has so far.
Cruiser
Joined: Jul 2006
Posts: 124
Likes: 0
RE: Damn that Hurts (Final)
Ah, I have Progressive Ins. and my policy has an automatic $3K coverage for accessories. All you need is receipts for the items. What did the police report say for fault? Stop calling your insurance company and start calling his. I don't think you can waive bodily injury protection that protects the other person from your action in Minnesota No Fault. You can waive PIP for yourself and passanger (personal injury protection). I waived PIP because $1K of medical coverage tripled cost of yearly policy.Most times even when coverage is sufficient on both parties part, insurance comapnies ussually pay for their insureds damage. Your story doesn't say if yousuffered physical injury and incurred medical billls or long term physical issues. If you did and you have health ins. that should cover. Crap happensand thats why they call them accidents. Motorcycles are far more dangerous than a car,easily understandable fact.Instead of worrying about financial gain, maybe be thankfull to be ALIVE. One more question, were you wearing a helmet?I am not suggesting to excusse someone breaking the law regarding insurance. Just be safe and take the appropriate measures to CYA. Everytime you get on a bike you are rolling the dice for enjoyment and freedom, don't complain too much if you loose. What if it was a dog, deer,cow or horse that got in your path? I feel sorry for you if you got physically hurt. My nephew broke his back this last July and is paralyzed from the chest down. He overshot a jump while motocrossing and landed wrong.He is 28 years oldwith a fantastic wife and a 1.5 yr old daughter. Heknew the risks, we all feel sorry that it happened. Heis moving on and adjusting to the major change in life.
Thread Starter
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Road Captain
Joined: Oct 2006
Posts: 658
Likes: 23
From: South Florida
RE: Damn that Hurts (Final)
ORIGINAL: gnaz
Ah, I have Progressive Ins. and my policy has an automatic $3K coverage for accessories. All you need is receipts for the items. What did the police report say for fault? Stop calling your insurance company and start calling his. I don't think you can waive bodily injury protection that protects the other person from your action in Minnesota No Fault. You can waive PIP for yourself and passanger (personal injury protection). I waived PIP because $1K of medical coverage tripled cost of yearly policy.Most times even when coverage is sufficient on both parties part, insurance comapnies ussually pay for their insureds damage. Your story doesn't say if yousuffered physical injury and incurred medical billls or long term physical issues. If you did and you have health ins. that should cover. Crap happensand thats why they call them accidents. Motorcycles are far more dangerous than a car,easily understandable fact.Instead of worrying about financial gain, maybe be thankfull to be ALIVE. One more question, were you wearing a helmet?I am not suggesting to excusse someone breaking the law regarding insurance. Just be safe and take the appropriate measures to CYA. Everytime you get on a bike you are rolling the dice for enjoyment and freedom, don't complain too much if you loose. What if it was a dog, deer,cow or horse that got in your path? I feel sorry for you if you got physically hurt. My nephew broke his back this last July and is paralyzed from the chest down. He overshot a jump while motocrossing and landed wrong.He is 28 years oldwith a fantastic wife and a 1.5 yr old daughter. Heknew the risks, we all feel sorry that it happened. Heis moving on and adjusting to the major change in life.
Ah, I have Progressive Ins. and my policy has an automatic $3K coverage for accessories. All you need is receipts for the items. What did the police report say for fault? Stop calling your insurance company and start calling his. I don't think you can waive bodily injury protection that protects the other person from your action in Minnesota No Fault. You can waive PIP for yourself and passanger (personal injury protection). I waived PIP because $1K of medical coverage tripled cost of yearly policy.Most times even when coverage is sufficient on both parties part, insurance comapnies ussually pay for their insureds damage. Your story doesn't say if yousuffered physical injury and incurred medical billls or long term physical issues. If you did and you have health ins. that should cover. Crap happensand thats why they call them accidents. Motorcycles are far more dangerous than a car,easily understandable fact.Instead of worrying about financial gain, maybe be thankfull to be ALIVE. One more question, were you wearing a helmet?I am not suggesting to excusse someone breaking the law regarding insurance. Just be safe and take the appropriate measures to CYA. Everytime you get on a bike you are rolling the dice for enjoyment and freedom, don't complain too much if you loose. What if it was a dog, deer,cow or horse that got in your path? I feel sorry for you if you got physically hurt. My nephew broke his back this last July and is paralyzed from the chest down. He overshot a jump while motocrossing and landed wrong.He is 28 years oldwith a fantastic wife and a 1.5 yr old daughter. Heknew the risks, we all feel sorry that it happened. Heis moving on and adjusting to the major change in life.
I certainly hope not everyone in Minnesota is as clueless as you are gnaz. This is about accountability,not financial gain.Yes, accidents do happen. IT-boned a car that could not see me coming. He could not see mecoming because of hisimpatience with the driver of the car next to him.Hemade aconsciousdecision to pull out into traffic anyway. Traffiche knew he could not see. He was charged. This is not what I would call an accident, but thedeliberate act ofan impatient a-hole. This young man's unbelievable stupidity hascaused me great pain & financial loss.Careless and negligent behavior froma person who didn't believehe hadto carry the required insuranceis criminal.I refuse to give this guy a free pass justbecause (to put it in your own words, gnaz) I ride a motorcycle and am therefore"rolling the dice". You seem to be able to rationalize,and then dismiss other's misfortunes rather easily. "Hey, you guys knew the risks." I only hope that you will be able to do the same when your number is called.
DJK
Guest
Posts: n/a
RE: Damn that Hurts (Final)
Are you able to buy you bike back from the insurance company? I totaled a truck many years back with a lot of extras I didn't want to let go of. The insurance company sold it back to me for what they would had gotten to have it scrapped. about $200. With 3k in chrome, I would check into it. Maybe worth it if you purchase the same or another bike the accessories would fit. Just a thought.
Glad to hear you are doing better.
As for the offended rider in Austin, Ithink it was,
You are the exception and not the rule. I live in Atlanta and everyday, someone is injured or killed by an illegal immigrant who should not have been driving. Unfortuantely, this is perception the media has created of the Mexican/American culture. It is notfair to lash out at this victim of circumstances and accuse him of being biased. I am sure your views of him are guided by your own experiences with others who are not Mexican/American as I am sure you have been the victim of racially-biased opinionated people as well. Myconcern isthis:Why are you continuing to feed this sterotype by attacking him and his opinions? I am referring to your response and bolding type. I am what is referred to as a Native/American. I do not like this label. But rather than attacking everyone who puts me into the drunk, bingo playing, Native/Americancatagory or calls me a "Wagon Burner," I choose not to respond. It seems to only fuel their opinions.
I understand how it feels to lumped into sterotypes. I alsofit into others too, just like you.
I apologize for using your thread to address this, please forgive me.
Glad to hear you are doing better.
As for the offended rider in Austin, Ithink it was,
You are the exception and not the rule. I live in Atlanta and everyday, someone is injured or killed by an illegal immigrant who should not have been driving. Unfortuantely, this is perception the media has created of the Mexican/American culture. It is notfair to lash out at this victim of circumstances and accuse him of being biased. I am sure your views of him are guided by your own experiences with others who are not Mexican/American as I am sure you have been the victim of racially-biased opinionated people as well. Myconcern isthis:Why are you continuing to feed this sterotype by attacking him and his opinions? I am referring to your response and bolding type. I am what is referred to as a Native/American. I do not like this label. But rather than attacking everyone who puts me into the drunk, bingo playing, Native/Americancatagory or calls me a "Wagon Burner," I choose not to respond. It seems to only fuel their opinions.
I understand how it feels to lumped into sterotypes. I alsofit into others too, just like you.
I apologize for using your thread to address this, please forgive me.
Tourer
Joined: Sep 2006
Posts: 265
Likes: 0
From: Columbus, OH
RE: Damn that Hurts (Final)
ORIGINAL: djkolp
Well, it turns out that the young man who pulled out in front of me last week had even less insurance coverage than the state minimum. Florida's no-fault insurance laws require a minimum of $10,000 property & $10,000 bodily injury coverage. The law allows a person to waive the $10,000 bodily injury coverage if they can document at least that amount in the bank. I have learned that they almost never ask for that documentation. He only had the property damage coverage listed on his policy, and Progressive is not positive that even that coverage was valid at the time of the accident. The bottom line is that I will in all probability not see a red cent from this accident. Policies like this are usually issued to people with no real assets. They don't care if you try to sue them for lack of coverage, because they don't have a pot to pi$$ in. Lawyers will generally not pursue a case like this, (mine included)because the payday is just not there. Can't blame them for that. On a brighter note, Progressive insurance gave me a check yesterday that will basically pay me for what I laid out for the bike when it left the showroom floor. The only loss I will be facing, as far as the bike is concerned,is the $3,000 I paid for all the extras. Recovering any money for medical bills, loss of work, and pain & sufferingjust ain't gonna happen.I may take him to small claims court at some point down the road to try and recover what little I can. Hell, if he has to pay me $50 a month for the next 10 years, at least he will be accountable for this accident to some degree.
Today I am a whole lot wiser when it comes to no-fault insurance laws here in Florida. If I end up replacing the bike, I will make sure that I have uninsured/underinsured coverage on my policy. Here in South Florida, there are thousands of drivers out on the road with little or NO insurance, and the chances increase everyday that you will end up exchanging paint with one of them. And if you do, you can easily find yourself in a financial hole with NO recourse. These kinds of people could care less about insuring their 12 year old rusty brown Corolla. "Go ahead and sue me, I ain't got nothin you can take, bitch!" If you are ticketed with an accident in Florida, and they find out you have no insurance, they will suspend your license for 3 years. Oh, but wait, all you have to do to keep your license is go down an purchase an insurance policy and bingo, here's your license back!If they're not concerned about motoring around town with no insurance, they probably aren't too worried aboutnot having adriver's license either!
It's now painfully clear to methatI now have to buy insurance not only for myself, but also for the increasing number of people out on the road with veryfew brain cells, andeven fewer assetsor insurance policies. Of course, if you only plan on getting hit by a Mercedes or a Jaguar, none of what I've written applies to you. It's been7 dayssince my accident, and I'm getting better everyday. Life is good. Please ride safe!
DJK
Well, it turns out that the young man who pulled out in front of me last week had even less insurance coverage than the state minimum. Florida's no-fault insurance laws require a minimum of $10,000 property & $10,000 bodily injury coverage. The law allows a person to waive the $10,000 bodily injury coverage if they can document at least that amount in the bank. I have learned that they almost never ask for that documentation. He only had the property damage coverage listed on his policy, and Progressive is not positive that even that coverage was valid at the time of the accident. The bottom line is that I will in all probability not see a red cent from this accident. Policies like this are usually issued to people with no real assets. They don't care if you try to sue them for lack of coverage, because they don't have a pot to pi$$ in. Lawyers will generally not pursue a case like this, (mine included)because the payday is just not there. Can't blame them for that. On a brighter note, Progressive insurance gave me a check yesterday that will basically pay me for what I laid out for the bike when it left the showroom floor. The only loss I will be facing, as far as the bike is concerned,is the $3,000 I paid for all the extras. Recovering any money for medical bills, loss of work, and pain & sufferingjust ain't gonna happen.I may take him to small claims court at some point down the road to try and recover what little I can. Hell, if he has to pay me $50 a month for the next 10 years, at least he will be accountable for this accident to some degree.
Today I am a whole lot wiser when it comes to no-fault insurance laws here in Florida. If I end up replacing the bike, I will make sure that I have uninsured/underinsured coverage on my policy. Here in South Florida, there are thousands of drivers out on the road with little or NO insurance, and the chances increase everyday that you will end up exchanging paint with one of them. And if you do, you can easily find yourself in a financial hole with NO recourse. These kinds of people could care less about insuring their 12 year old rusty brown Corolla. "Go ahead and sue me, I ain't got nothin you can take, bitch!" If you are ticketed with an accident in Florida, and they find out you have no insurance, they will suspend your license for 3 years. Oh, but wait, all you have to do to keep your license is go down an purchase an insurance policy and bingo, here's your license back!If they're not concerned about motoring around town with no insurance, they probably aren't too worried aboutnot having adriver's license either!
It's now painfully clear to methatI now have to buy insurance not only for myself, but also for the increasing number of people out on the road with veryfew brain cells, andeven fewer assetsor insurance policies. Of course, if you only plan on getting hit by a Mercedes or a Jaguar, none of what I've written applies to you. It's been7 dayssince my accident, and I'm getting better everyday. Life is good. Please ride safe!
DJK
Sue the bastage, who cares if it takes him 200 years to pay, let him pay your heirs. I think they can even garnish any wages he may have.
Thread Starter
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Road Captain
Joined: Oct 2006
Posts: 658
Likes: 23
From: South Florida
RE: Damn that Hurts (Final)
Glad you are healing and got your money (but it's from YOUR insurance company, right?). Will your premiums go up now because you made a claim?
Yes, the money came from my insurance company. Progressive insurance has told me that my premium would not go up as a result of the accident. Not a real issue because, no bike = no policy.
If I do replace the bike, here is what I have learned is the minimum insurance coverage that will make life a whole lot easier, should I get tagged again:Policy cost as listed below= $676.00
1.)Bodily Injury/Property Damage: 10/20/10 (This coverage is for the other party)
$10,000 for 1person up to $20,000 each accident Bodily Injury payment. $10,000 Property
Damage.(I mean, how much property damage can you cause on a bike?)
2.)Uninsured/Underinsured: 10/20 Unstacked
Progressive only offers this in Florida for Bodily Injury, not Property Damage. TheAgent said
that this coverage will also pay Out of Work expenses, but I could not verify that on their
Website. I have major medical at work,so I would only take this coveragefor the Out of
Work benefits. Pays out benefits when you find yourself in an accident with deadbeats
and freeloaders.
3.)Medical Payment Coverage: None
I have major medical at work, so I don't need this coverage. This also coverspassengers.
4.)Comprehensive/Collision: $1000/Deductable
This one saved my *** from losing $20,000.00
5.)Custom Parts/Equipment Coverage:$2000
This would have saved me from a $3,000 loss, had I had this coverage. A definite item
for the next time around.
[IMG]local://upfiles/19578/78E2C67F38A441C78B0D78B6C251ECA1.jpg[/IMG]
Yes, the money came from my insurance company. Progressive insurance has told me that my premium would not go up as a result of the accident. Not a real issue because, no bike = no policy.
If I do replace the bike, here is what I have learned is the minimum insurance coverage that will make life a whole lot easier, should I get tagged again:Policy cost as listed below= $676.00
1.)Bodily Injury/Property Damage: 10/20/10 (This coverage is for the other party)
$10,000 for 1person up to $20,000 each accident Bodily Injury payment. $10,000 Property
Damage.(I mean, how much property damage can you cause on a bike?)
2.)Uninsured/Underinsured: 10/20 Unstacked
Progressive only offers this in Florida for Bodily Injury, not Property Damage. TheAgent said
that this coverage will also pay Out of Work expenses, but I could not verify that on their
Website. I have major medical at work,so I would only take this coveragefor the Out of
Work benefits. Pays out benefits when you find yourself in an accident with deadbeats
and freeloaders.
3.)Medical Payment Coverage: None
I have major medical at work, so I don't need this coverage. This also coverspassengers.
4.)Comprehensive/Collision: $1000/Deductable
This one saved my *** from losing $20,000.00
5.)Custom Parts/Equipment Coverage:$2000
This would have saved me from a $3,000 loss, had I had this coverage. A definite item
for the next time around.
[IMG]local://upfiles/19578/78E2C67F38A441C78B0D78B6C251ECA1.jpg[/IMG]
Tourer
Joined: Jul 2006
Posts: 319
Likes: 0
From:
RE: Damn that Hurts (Final)
ORIGINAL: TxHarleyGuy2007
As a hispanic American (born and raised in the great state of Texas), homeowner several times over, and tax paying business owner, I find such a statementto not onlybe ridiculous, but somewhat offensive in turn. Believe you me, there are a host of unisured motorists occupying our roadways whose nation of origin is the good ol' U.S. of A. To suggest otherwise is being somewhat shortsighted in my view. Sure, we have a border problem. I'd be the first to acknowledge such. But as far as the unisured motorist thing goes, American citizens are just as culpable and as irresponsible as anyone else in that regard.
ORIGINAL: Budz
Another argument to tighten the borders.
Another argument to tighten the borders.
Good points TxHarleyGuy. My appologies for generalizing. Not fair to you or others playing by the rules.
DJKolp; check with your insurance company. They can pursue the guy for the money and request the State of Florida to suspend his Driv. Lic. and registrations until he pays up.
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Thread Starter
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Road Captain
Joined: Oct 2006
Posts: 658
Likes: 23
From: South Florida
RE: Damn that Hurts (Final)
ORIGINAL: Budz
Good points TxHarleyGuy. My appologies for generalizing. Not fair to you or others playing by the rules.
DJKolp; check with your insurance company. They can pursue the guy for the money and request the State of Florida to suspend his Driv. Lic. and registrations until he pays up.
ORIGINAL: TxHarleyGuy2007
As a hispanic American (born and raised in the great state of Texas), homeowner several times over, and tax paying business owner, I find such a statementto not onlybe ridiculous, but somewhat offensive in turn. Believe you me, there are a host of unisured motorists occupying our roadways whose nation of origin is the good ol' U.S. of A. To suggest otherwise is being somewhat shortsighted in my view. Sure, we have a border problem. I'd be the first to acknowledge such. But as far as the unisured motorist thing goes, American citizens are just as culpable and as irresponsible as anyone else in that regard.
ORIGINAL: Budz
Another argument to tighten the borders.
Another argument to tighten the borders.
Good points TxHarleyGuy. My appologies for generalizing. Not fair to you or others playing by the rules.
DJKolp; check with your insurance company. They can pursue the guy for the money and request the State of Florida to suspend his Driv. Lic. and registrations until he pays up.
Basically, if you live in a state with a large population of undocumented aliens, who are not licensed and not insured, you've just increased your chances of getting hosed when you get in an accident. Add these people to the list of White Anglo-Saxton Protestants, Irish Catholics,African Americans, Mexican Americans, Rednecks...(You get my point) who also have no coverage, and you're F*****d. Have a nice day!
DJK
DJK
Road Warrior
Joined: Dec 2006
Posts: 1,456
Likes: 1
From:
RE: Damn that Hurts (Final)
How are YOU healing up?
The stuff going on with insurance and this scumbag suck. I see where you were able to get a few things off of the bike. is there any other chrome stuff you can replace with teh original equipment? Usually insurance companies will let you do that if the complete bike is left. I have saved a lot of my old stock stuff in case I wast to sell/trade or something worse happpens.
I hope you heal up soon.
The stuff going on with insurance and this scumbag suck. I see where you were able to get a few things off of the bike. is there any other chrome stuff you can replace with teh original equipment? Usually insurance companies will let you do that if the complete bike is left. I have saved a lot of my old stock stuff in case I wast to sell/trade or something worse happpens.
I hope you heal up soon.