Full coverage or liability
Road Captain
Joined: Oct 2006
Posts: 658
Likes: 23
From: South Florida
RE: Full coverage or liability
ORIGINAL: Citoriplus
Liability insurance is manditory in many states, so you need to be careful. Many insurance companys might be headquartered out of your state and not catch that right away. So if you were to have an accident, you could be in for serious trouble if you don't have any coverage.
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!
DJK
Ultimate HDF Member
Joined: Sep 2005
Posts: 8,641
Likes: 26
From: Ozark Country
RE: Full coverage or liability
All my bikes are 'debt free', but I still keep full coverage on them.
Not that expensive, and you never know when you might need the additional coverage....
Not that expensive, and you never know when you might need the additional coverage....
Road Captain
Joined: Oct 2006
Posts: 658
Likes: 23
From: South Florida
RE: Full coverage or liability
ORIGINAL: atomic
Insurance on a Harley is next to nothing.
Insurance on a Harley is next to nothing.
Progressive Quotes:
10/20 Liability - 500 deductable Comp/Collision - $2000 Custom Parts = $410.00 per year
100/300 Liability - 500 deductable Comp/Collison - 100/300 unstacked Uninsured/Underinsured
$2000 Custom parts = $1,442 per year.
DJK
Cruiser
Joined: Jan 2005
Posts: 111
Likes: 0
From: Utah
RE: Full coverage or liability
I am stationed in England and have USAA. $640 for 12 months offull coverage with a $500 deductible, however, I drop my coverage to fire and theft during the winter months and it saves me big $$$$
Road Captain
Joined: Nov 2005
Posts: 711
Likes: 0
From: Bothell, WA
RE: Full coverage or liability
Liability insurance is manditory in many states, so you need to be careful. Many insurance companys might be headquartered out of your state and not catch that right away. So if you were to have an accident, you could be in for serious trouble if you don't have any coverage.
Have you ever seen an MC cause serious damage to an automible? It's usually the other way around. Liability for a bike is rediculous, unless you ride at 100 mph and broadside a car, you're not going to cause enough damage to warrant liability insurance.
Road Warrior
Joined: Jun 2006
Posts: 1,602
Likes: 0
From: Maryland
RE: Full coverage or liability
In my county a sport bike ran a read light doing well over a 100 mph hit a vehicle making a turn in front of him. Kill himself and the driver of the vehicle. He didn't have insurance or tags on his bike. So yes you can do serious damage to a vehicle with your bike. Of course more than likely you will be dead if you do.
I think you should get insurance to cover what you want to lose. If you don't care if your bike is totalled and you get nothing out of it than don't get collision. If you don't care if your bike is stolen and you get nothing back than don't get comprehensive.
I think you should get insurance to cover what you want to lose. If you don't care if your bike is totalled and you get nothing out of it than don't get collision. If you don't care if your bike is stolen and you get nothing back than don't get comprehensive.
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Road Master
Joined: Jan 2007
Posts: 770
Likes: 2
From: East NM
RE: Full coverage or liability
Yes, a motorcycle can do serious damage to a car, even at sane speeds. In '59, a friend of mine was riding about 60 MPH on his Bonneville when some idiot ran a stop sign in front of him. Totaled the bike, the friend and the idiots '57 Plymouth. Keep in mind that, back then, Triumphs were a lot lighter than Softails and cars (at least US made ones) were a lot more sturdy than todays tincans.
Thread Starter
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Road Master
Joined: Dec 2005
Posts: 844
Likes: 2
From: Tampa, FL
RE: Full coverage or liability
All,
Thanks for the great advice and sorry for not replying sooner. My wife and I were out of town dropping our only child off at the airport ... he is heading to boot camp, Air Force (Air Traffic Controller) of course
I will call USAA today and get the real scoop of what exactly I am covered for and cost if I drop it down. Man I wish I only paid <$600/year.
Will keep you posted
V/r
Thanks for the great advice and sorry for not replying sooner. My wife and I were out of town dropping our only child off at the airport ... he is heading to boot camp, Air Force (Air Traffic Controller) of course
I will call USAA today and get the real scoop of what exactly I am covered for and cost if I drop it down. Man I wish I only paid <$600/year.
Will keep you posted
V/r