Full coverage or liability
Road Warrior
Joined: Feb 2007
Posts: 1,338
Likes: 92
From:
RE: Full coverage or liability
SMSGT B,
USAA will cover your bike in Germany?
In Japan, "full coverage" ins does not cover theft or damage while the bike is parked. So, I always go with liability only. If I could find full coverage that covered theft, I'd buy it.
I'm a SMSGT, retired.. Keep up the good work!
USAA will cover your bike in Germany?
In Japan, "full coverage" ins does not cover theft or damage while the bike is parked. So, I always go with liability only. If I could find full coverage that covered theft, I'd buy it.
I'm a SMSGT, retired.. Keep up the good work!
Tourer
Joined: Aug 2006
Posts: 484
Likes: 0
From: Indianapolis
RE: Full coverage or liability
I have by '01 Fatboy covered under Indiana Farm Bureau with full coverage and a $1000.00 deductible it costs me $250.00/year but they have my cars and Homeowners too so I get a multi line discount.
Road Warrior
Joined: Jun 2006
Posts: 1,602
Likes: 0
From: Maryland
RE: Full coverage or liability
Insurance on a Harley is next to nothing. It gets even less when you have two bikes insured. Get full coverage. It is a no brainer. You will feel really stupid if you do some minor thing that causes many thousands of dollars of damage.
I pay 323 a year for full coverage on my 2006 Softail Deluxe/ $500 deductible and $3000 worth of accessories. I have a reckless driving ticket on my record and another bike on the policy.
I pay 323 a year for full coverage on my 2006 Softail Deluxe/ $500 deductible and $3000 worth of accessories. I have a reckless driving ticket on my record and another bike on the policy.
Road Captain
Joined: Oct 2006
Posts: 658
Likes: 23
From: South Florida
RE: Full coverage or liability
The most important coverage you can get for your bike is the Uninsured/Underinsured motorist. My main concern when I was shopping for insurance, was gettingthe cheapest yearly premium I could find. Then I totalled my bike back in February,and now my priorities have changed. I have been out of work for 5 weeks, and expect to be out for another 2 weeks. The guy that pulled out in front of me had only 10k in property damage, and waived the other 10k for bodily injury. The guyhas no assetsthat I can collect.My medical expenses have been paid in full, only because I have major medical at work. My 2 months out of work will be covered by my accrued sick & vacation time, after that I'm on my own. I do not like paying for insurance to cover someone who has little or no coverage, but that is the reality of the situation. We are far to vulnerableto serious injury riding a bike, and not everyone that hits you will be driving a Mercedes.Fixing or replacing a bike is the easy part,recovering tens of thousands of dollars in lost wages is not. I know, it can't happen to me. Think again. Sorry for the rant, but I have seen the light.
DJK
DJK
Road Captain
Joined: Nov 2005
Posts: 711
Likes: 0
From: Bothell, WA
RE: Full coverage or liability
If you drop any part of your insurance, drop the liability on a motorcycle. Liability covers the damage your vehicle causes to others. I want my bike, rider, and passanger insured against damage!
May our Moderator Rest in Peace
Joined: Sep 2006
Posts: 11,386
Likes: 35
From: Rochester, NY
RE: Full coverage or liability
ORIGINAL: Geoseismic
If you drop any part of your insurance, drop the liability on a motorcycle. Liability covers the damage your vehicle causes to others. I want my bike, rider, and passanger insured against damage!
If you drop any part of your insurance, drop the liability on a motorcycle. Liability covers the damage your vehicle causes to others. I want my bike, rider, and passanger insured against damage!
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Tourer
Joined: Aug 2006
Posts: 330
Likes: 1
From: Goldsboro, NC
RE: Full coverage or liability
I have USAA and pay about $520 per year in South Korea with a $1000 deductible. I was hoping we would go to Germany after this, but I see the insurance for motorcycles is still high there.