Insurance Liability Amounts

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Old Today | 03:15 PM
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Default Insurance Liability Amounts

I am in Georgia in the metro Atlanta area so I know the some affect on pricing. I am currently carrying 250/500 for liabilities and I am beginning to wonder if that is overkill for a motorcycle. It's what I carry on my cars though so it kind of rolls together. Currently with State Farm if that matters. Let me know what others thing or are doing.
thanks in advance
 
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Old Today | 03:58 PM
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I carry 250/500 for all my vehicles.

By doing that, they will all be covered by my Umbrella policy....
 
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Old Today | 04:04 PM
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From: Honah Lee
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If your are financing the bike, and all your vehicles are on your State Farm, don't think they will let you pick and choose.

I never finiance but I was giving my State Farm agent the info over the phone to add a new car to my insurance.

He assumed I had finianced and he said he needed to add full coverage on everything to match if a finianced vehicle was on there.

The whole idea is if you hit someone and make them a paraplegic, you may need at minimum your net worth.

When I was last keeping bike insurance, in VA, State Farm used Progressive for their bike insurance.

Dealing directly with Progressive will save you and you can pick and choose without that State Farm padding his pocket choosing..



 

Last edited by Jackie Paper; Today at 04:09 PM.
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Old Today | 04:08 PM
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Good point I have the umbrella as well.
 
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Old Today | 04:10 PM
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Originally Posted by Jackie Paper
If your are financing the bike, and all your vehicles are on your State Farm, don't think they will let you pick and choose.

I never finiance but I was giving my State Farm agent the info over the phone to add a new car to my insurance.

He assumed I had finianced and he said he needed to add full coverage on everything to match if a finianced vehicle was on there.

The whole idea is if you hit someone and make them a paraplegic, you may need at minimum your net worth.

When I was last keeping bike insurance, in VA, State Farm used Progressive for their bike insurance.

Dealing directly with Progressive will save you and you can pick and choose without that State Farm padding his pocket choosing..
I get that but what are the chances of you doing that on your bike. Slim and none is what I have been thinking. I do have an umbrella policy with them but they were willing to do it before if I separated one bike off which is a sport bike.
 
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Old Today | 04:12 PM
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From: Honah Lee
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I assume a umbrella policy is another policy?

Why wouldn't just putting that value in your auto policy?

I don't have a umbrella policy.
 
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Old Today | 04:17 PM
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250/500 here as well. If you carry an umbrella, it may require you to carry that limit.
 
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Old Today | 04:25 PM
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Im struggling to understand how this topic is a good fit for this particular forum 2024+ Center-Cooled Touring Models2023.5+ CVO and 2024+ Road Glide/Street Glide/Street Glide Ultra Center-Cooled Gen 2 M8 Touring models
 
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Old Today | 04:41 PM
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@mjwebb It's not, Community Team moved it. Now interestingly were it landed. It's not insurance discussion, it's in archive?
 

Last edited by Jackie Paper; Today at 04:50 PM.
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Old Today | 04:43 PM
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Originally Posted by hattitude
I carry 250/500 for all my vehicles.

By doing that, they will all be covered by my Umbrella policy....
That^^^
 
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