Progressive?
Stellar HDF Member
Joined: Jul 2018
Posts: 3,338
Likes: 1,823
From: VA
Here is my Bill in Northern VA 59 years old riding since 16
No tickets or accidents. Great credit score. 12 Ducati Diavel 2008 ZX14 1997 Heritage Softail
Liability w/ property Damage 300k 300K $ 99.60 $127.91 $93.58
$500 deduct other than collision $23.06 $61.05 $26.54
1000 deduct collision $140.69 $277.03 $122.41
Uninsured motorist 300/300 $342.66 $235.58 $235.58
Total $606.01 $701.57 $478.11
G.Total $1,785.69
See how expensive it is for uninsured motorist!!! It's over $800 of the $1,700 bill!!!
It used to be included in collision.
Do you all carry uninsured motorist. Thinking of dumping it.
No tickets or accidents. Great credit score. 12 Ducati Diavel 2008 ZX14 1997 Heritage Softail
Liability w/ property Damage 300k 300K $ 99.60 $127.91 $93.58
$500 deduct other than collision $23.06 $61.05 $26.54
1000 deduct collision $140.69 $277.03 $122.41
Uninsured motorist 300/300 $342.66 $235.58 $235.58
Total $606.01 $701.57 $478.11
G.Total $1,785.69
See how expensive it is for uninsured motorist!!! It's over $800 of the $1,700 bill!!!
It used to be included in collision.
Do you all carry uninsured motorist. Thinking of dumping it.
Last edited by Oakers3; Aug 12, 2019 at 08:22 PM.
Stellar HDF Member
Joined: Jul 2018
Posts: 3,338
Likes: 1,823
From: VA
Did you know that you could register a vehicle in VA with no insurance???? Of the $1800 I pay for bike insurance almost half is uninsured motorist.
I kept looking at how much I pay so I looked it up,
You give DMV $500 and you are good to go. You don't have to insure it unless you get caught. So DMV gets money and I have to pay extra for the uninsured motorist.
Heck $500 could insure a vehicle.
Going to see how much trouble I can make in VA.
Read it yourself!!!
The Virginia Uninsured Motor Vehicle (UMV) fee allows a motor vehicle owner to register an uninsured motor vehicle. At the time of registration, the motor vehicle owner must certify whether the vehicle is insured or uninsured.
If the vehicle is uninsured, the motor vehicle owner is required to pay to DMV a $500 uninsured motor vehicle fee in addition to normal registration fees. Payment of the $500 fee does not provide the motorist with any insurance coverage. If involved in an accident, the uninsured motorist remains personally liable. This fee is valid for twelve months but may be prorated for a shorter amount of time.
Payment Plan Program
Eligible vehicle owners may enter into a Payment Plan Program to pay the UMV fee over time.
Penalties
Motor vehicle owners who falsely certify that they have insurance and are found by DMV to be uninsured face stiff penalties. In addition to facing suspension of all driver and registration privileges, compliance includes payment of a $600 noncompliance fee, a $45 reinstatement fee and filing proof of insurance and financial responsibility (form SR-22) for three years.
During the three-year period, insurance companies cooperate with DMV by providing notification if a policy is canceled. This requirement to maintain proof of insurance enables DMV to ensure that these motor vehicle owners maintain liability insurance on their registered vehicles. Eligible vehicle owners may enter into a Payment Plan Program to pay the noncompliance fee over time.
Reporting an Accident Involving an Uninsured Vehicle
An individual may report an accident to DMV if they suspect that the other vehicle involved in the crash is uninsured.
So who are the clowns that thought this one up?
I kept looking at how much I pay so I looked it up,
You give DMV $500 and you are good to go. You don't have to insure it unless you get caught. So DMV gets money and I have to pay extra for the uninsured motorist.
Heck $500 could insure a vehicle.
Going to see how much trouble I can make in VA.
Read it yourself!!!
The Virginia Uninsured Motor Vehicle (UMV) fee allows a motor vehicle owner to register an uninsured motor vehicle. At the time of registration, the motor vehicle owner must certify whether the vehicle is insured or uninsured.
If the vehicle is uninsured, the motor vehicle owner is required to pay to DMV a $500 uninsured motor vehicle fee in addition to normal registration fees. Payment of the $500 fee does not provide the motorist with any insurance coverage. If involved in an accident, the uninsured motorist remains personally liable. This fee is valid for twelve months but may be prorated for a shorter amount of time.
Payment Plan Program
Eligible vehicle owners may enter into a Payment Plan Program to pay the UMV fee over time.
Penalties
Motor vehicle owners who falsely certify that they have insurance and are found by DMV to be uninsured face stiff penalties. In addition to facing suspension of all driver and registration privileges, compliance includes payment of a $600 noncompliance fee, a $45 reinstatement fee and filing proof of insurance and financial responsibility (form SR-22) for three years.
During the three-year period, insurance companies cooperate with DMV by providing notification if a policy is canceled. This requirement to maintain proof of insurance enables DMV to ensure that these motor vehicle owners maintain liability insurance on their registered vehicles. Eligible vehicle owners may enter into a Payment Plan Program to pay the noncompliance fee over time.
Reporting an Accident Involving an Uninsured Vehicle
An individual may report an accident to DMV if they suspect that the other vehicle involved in the crash is uninsured.
So who are the clowns that thought this one up?
Last edited by Oakers3; Aug 12, 2019 at 10:11 PM.
Advanced
Joined: May 2010
Posts: 99
Likes: 1
From: Montana
Fair enough I have a 2009 Harley Electrglide and my wife rides a 2014 Can Am RTS.
I have the following coverage from Merkel insurance
250,000/500,000 bodily injury liability
250,000/500,000 uninsured underinsured motorist- Bodily Injury
Property Damage 100,000
Medical Payments 1,000
Funeral Expense coverage 5,000
deductible is 500
I also have a 2013 Bushtec trailer insures for 3,500
Total Premium is $332.00
I have the following coverage from Merkel insurance
250,000/500,000 bodily injury liability
250,000/500,000 uninsured underinsured motorist- Bodily Injury
Property Damage 100,000
Medical Payments 1,000
Funeral Expense coverage 5,000
deductible is 500
I also have a 2013 Bushtec trailer insures for 3,500
Total Premium is $332.00
Jumped from $184 to $497/year!!
My coverages are even lower than yours:
bodily injury liability 50,000/100,000
uninsured under insured motorist- Bodily Injury 25,000/50,000
Property Damage 25,000
Comp & Collision deductible is 1000
I also have a 2011 Bushtec trailer insures for 4,500
Roadside Assistance
Grand HDF Member
Joined: Nov 2018
Posts: 4,607
Likes: 3,312
From: Virginia
Nothing will happen. What are VA dealers going to do for you, they want to sell vehicles, they don't care about insurance.
The biggest problems isn't people paying the $500 fee and not buying insurance, the problem is people driving without ever getting any insurance, or paying registration. I've known people who printed their own stickers for their plates and inspections. Doesn't stand up for a second when the cop punches you number into the computer, but at a casual glance they don't think anything about it.
Good luck with your quest, but I don't see it going anywhere, the UMV fee has been around for decades. The insurance companies aren't even lobbying on your side.
Here is a suggestion file a FOIA request with DMV and find out how many people have paid the $500 UMV fee. That will give you an idea of how big an issue it is.
Stellar HDF Member
Joined: Jul 2018
Posts: 3,338
Likes: 1,823
From: VA
VA powersport dealers are interested in anything that will help sales. The high cost of insurance slows down sales.
With Uber Lift and the expensive metro project maybe there is no more need for this Uninsured motorist fee. Almost half my bill should not have to be used to subsidize someone who can't or won't get car insurance.
Tell me you knew this!!!!
In 2006, read the date again, in 2006, a fee was lifted that was placed on long distance phone bills to fund the Spanish American War!!!
With Uber Lift and the expensive metro project maybe there is no more need for this Uninsured motorist fee. Almost half my bill should not have to be used to subsidize someone who can't or won't get car insurance.
Tell me you knew this!!!!
In 2006, read the date again, in 2006, a fee was lifted that was placed on long distance phone bills to fund the Spanish American War!!!
Stage III
Joined: Aug 2019
Posts: 3
Likes: 1
From: arkansas
ive had progressive and geico for liability progressive was like 7 dollars a month for full coverage geico is cheaper for me by about 15 a month AND they offer a discount for having the dealerships GPS installed where progressive requires it to be a LO Jack brand
Seasoned HDF Member
Joined: Feb 2016
Posts: 8,010
Likes: 6,907
From: NC
This is how my bikes are insured. You get a USAA discount from the progressive rates. I compared Many others 4 years ago. Results will vary by location.
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