Comments on: What kind of insurance coverage should I get for my motorcycle? http://www.weatherspecialty.com/what-kind-of-insurance-coverage-should-i-get-for-my-motorcycle/ Just another WordPress weblog Sat, 28 Jan 2012 19:09:33 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: sanjua m http://www.weatherspecialty.com/what-kind-of-insurance-coverage-should-i-get-for-my-motorcycle/comment-page-1/#comment-57 sanjua m Tue, 04 May 2010 07:09:29 +0000 http://www.weatherspecialty.com/what-kind-of-insurance-coverage-should-i-get-for-my-motorcycle/#comment-57 please try this <a href="http://www.anrdoezrs.net/click-1748196-10425138" target="_top">help!</a> please try this
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]]> By: auditor4u2007 http://www.weatherspecialty.com/what-kind-of-insurance-coverage-should-i-get-for-my-motorcycle/comment-page-1/#comment-56 auditor4u2007 Tue, 04 May 2010 06:56:07 +0000 http://www.weatherspecialty.com/what-kind-of-insurance-coverage-should-i-get-for-my-motorcycle/#comment-56 First thing is, are you paying cash for the bike or financing it? The reason for the question, is that if you are financing it, the financing company will TELL you what insurance you must have in order to get them to finance it. If you are paying cash for the bike, then it's your option. Most states, there is a minimum requirement for liability. Again, in most states, if you ride a motorcycle, you can purchase medical coverage for yourself. This will help greatly, then since the only other coverage you can get is collision and comprehensive. The only other insurance I'd purchase is theft. First thing is, are you paying cash for the bike or financing it? The reason for the question, is that if you are financing it, the financing company will TELL you what insurance you must have in order to get them to finance it. If you are paying cash for the bike, then it’s your option. Most states, there is a minimum requirement for liability. Again, in most states, if you ride a motorcycle, you can purchase medical coverage for yourself. This will help greatly, then since the only other coverage you can get is collision and comprehensive. The only other insurance I’d purchase is theft.

]]> By: emucompboy http://www.weatherspecialty.com/what-kind-of-insurance-coverage-should-i-get-for-my-motorcycle/comment-page-1/#comment-55 emucompboy Tue, 04 May 2010 06:54:14 +0000 http://www.weatherspecialty.com/what-kind-of-insurance-coverage-should-i-get-for-my-motorcycle/#comment-55 Minimum legal (basic liability insurance) is what I have. a) My motorcycle is worthless, so if you steal it, God bless you. b) Any crash is probably going to kill me, so I won't be around to make an insurance claim anyway. c) "Uninsured driver..." see "worthless" above. I'm with Progressive. Some of the other people here are with Geico. Minimum legal (basic liability insurance) is what I have.

a) My motorcycle is worthless, so if you steal it, God bless you.
b) Any crash is probably going to kill me, so I won’t be around to make an insurance claim anyway.
c) “Uninsured driver…” see “worthless” above.

I’m with Progressive. Some of the other people here are with Geico.

]]> By: DJ's mom http://www.weatherspecialty.com/what-kind-of-insurance-coverage-should-i-get-for-my-motorcycle/comment-page-1/#comment-54 DJ's mom Tue, 04 May 2010 06:17:18 +0000 http://www.weatherspecialty.com/what-kind-of-insurance-coverage-should-i-get-for-my-motorcycle/#comment-54 Depending on the year of the bike and whether or not you have a loan on it. You will have to carry Liability Insurance on it. I would recommend limits of 100/300/100. Take Medical payments of a minimum of $1000. If they have higher limits, go up to 3 or 5k. If you have a lein/loan on the bike you will have to take out Comprehensive and Collision coverage. Comprehensive is inexpensive compared to Collision. Get a lower deductible for Comprehensive (covers theft, vandalism, acts of nature). Get a Collision deductible of $250 or $500. You will also need Uninsured Driver coverage - I would suggest 100/300. You may also get Underinsured Driver coverage @ 100/300. It all comes down to cost comparison. Do not drop coverage because of price. Depending on the year of the bike and whether or not you have a loan on it.

You will have to carry Liability Insurance on it. I would recommend limits of 100/300/100. Take Medical payments of a minimum of $1000. If they have higher limits, go up to 3 or 5k. If you have a lein/loan on the bike you will have to take out Comprehensive and Collision coverage. Comprehensive is inexpensive compared to Collision. Get a lower deductible for Comprehensive (covers theft, vandalism, acts of nature). Get a Collision deductible of $250 or $500. You will also need Uninsured Driver coverage – I would suggest 100/300. You may also get Underinsured Driver coverage @ 100/300.

It all comes down to cost comparison. Do not drop coverage because of price.

]]> By: Cary C http://www.weatherspecialty.com/what-kind-of-insurance-coverage-should-i-get-for-my-motorcycle/comment-page-1/#comment-53 Cary C Tue, 04 May 2010 05:31:07 +0000 http://www.weatherspecialty.com/what-kind-of-insurance-coverage-should-i-get-for-my-motorcycle/#comment-53 are you paying the bike in full or payments? payments= you will need full coverage..... Paid in full = if you dont care abt the bike if you total it, then just liability. as for liabilty, you should get as much as you can afford. it will pay the other driver/person enough without having them to sue you for the rest in an accident. are you paying the bike in full or payments? payments= you will need full coverage….. Paid in full = if you dont care abt the bike if you total it, then just liability. as for liabilty, you should get as much as you can afford. it will pay the other driver/person enough without having them to sue you for the rest in an accident.

]]> By: ME http://www.weatherspecialty.com/what-kind-of-insurance-coverage-should-i-get-for-my-motorcycle/comment-page-1/#comment-52 ME Tue, 04 May 2010 05:12:19 +0000 http://www.weatherspecialty.com/what-kind-of-insurance-coverage-should-i-get-for-my-motorcycle/#comment-52 u would want to insure your bike the same way u would insure your car. make sure you're liability limits are higher than your personal assets (house, cars, savings, etc.) so if u were ever sued none of these could be taken from you. if it's a new bike you'll probably want comp and collision on it too. also, if anyone is going to ride on the back, make sure u carry passanger hazzard. this protects u if your passenger ever sued u for injuries they sustained involving an accident on your bike. call around f/ the best rate for you, or call a local agent who can help you more with your coverage concerns. hope this helps! u would want to insure your bike the same way u would insure your car. make sure you’re liability limits are higher than your personal assets (house, cars, savings, etc.) so if u were ever sued none of these could be taken from you. if it’s a new bike you’ll probably want comp and collision on it too. also, if anyone is going to ride on the back, make sure u carry passanger hazzard. this protects u if your passenger ever sued u for injuries they sustained involving an accident on your bike. call around f/ the best rate for you, or call a local agent who can help you more with your coverage concerns. hope this helps!

]]> By: KA http://www.weatherspecialty.com/what-kind-of-insurance-coverage-should-i-get-for-my-motorcycle/comment-page-1/#comment-51 KA Tue, 04 May 2010 04:57:59 +0000 http://www.weatherspecialty.com/what-kind-of-insurance-coverage-should-i-get-for-my-motorcycle/#comment-51 get a million dollar life insurance policy too as your survivor will need it get a million dollar life insurance policy too as your survivor will need it

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