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Old 07-30-2002, 04:15 AM   #81
longride
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Default Just for KPaul

Pulled this off a Hayabusa board:



This is a comment from the poster:

"Allstate stopped writing policies in california awhile ago....they underwrite for McGraw Hill insurance. Allstate was getting HAMMERED by claims from wannabe road racers and just gave up..here is the letter..I saved it.."as posted by Adonf'" WR"





Allstate Insurance Company

California Region





Date: July 13, 2001



To: Allstate Exclusive Agents & Independent Agents



Re: Motorcycle/3-wheel ATV Policy Sales – Effective August 1, 2001



The adverse results that we have experienced for some time with the Allstate motorcycle line of insurance continue to worsen. In May, our YTD new

business loss ratio in California for the motorcycle line was a very unacceptable 160.5%. To help address this situation, effective on August 1, 2001, no new

motorcycle and 3-wheel all terrain vehicle (ATV) business may be written in any of the Allstate companies.





My take:

Now I THINK that there is a helmet law in California, am I right? One of the major insurance companies in the nation won't insure motorcycles there because of a 160% loss on policies! The beginning comment is from a guy on the board with the inside information as to WHY they won't. Says something about "wannabe racers" I think. You said helmet laws would SAVE you money KPaul. Well, here is proof positive they won't, cause if you ride like a moron in your pretty suit and helmet, you just make it a multicolored bodybag. So if common sense skipped a generation, as you said to me, it must have skipped yours.
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Old 07-30-2002, 08:35 AM   #82
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Default Thanks for proving my point

How can the fact that an insurance carrier doesn't want to carry motorcycle policies be proof positive that helmet laws don't save money?? That's a long stretch even for you longride. Probably the ratio of loss would of been much greater if folks weren't wearing helmets. Instead of 160% loss ratio maybe it would be 320%. Thanks for proving my point about boomers and common sense. Keep it coming.
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Old 07-30-2002, 08:57 AM   #83
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Default Re: Thanks for proving my point

"How can the fact that an insurance carrier doesn't want to carry motorcycle policies be proof positive that helmet laws don't save money??"



Becuse a state with a helmet law is losing it and states that have no helmet laws aren't? Could that mean that they really don't save anything? Nah.



"Probably the ratio of loss would of been much greater if folks weren't wearing helmets. Instead of 160% loss ratio maybe it would be 320%."



The key word is "probably". That is right up there with "possibly" and "maybe". That FACT is the helmet law state is losing their coverage because if idiots. Education is the answer. Somehow all you have is theory and possibilities. All the studies in the world will show that 100% of head injuries will be prevented by NOT CRASHING! Want to argue with that stat too?
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Old 07-30-2002, 12:33 PM   #84
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Default Re: An idea that sportbikers won't like.

Speed saves my ass everyday. What cant catch me cant kill me. As soon as you are slower than traffic, be prepared to die...
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Old 07-30-2002, 01:17 PM   #85
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Default Re: It's a generation thing Xers have a different attitude about skull protection

Your bold type sentence is an excellent point. Here in CA its manditory for children to wear helmets on their bicycles. I personally have 4 helmets just for my head alone (street, dirt, bike and snow). I dont think twice about it and wouldnt go out without one with or without a law. Everytime I see a rally at the capitol its almost all 40+ somethings. The opposition is slowly dying out.



Still while Im opposed to manditory anything in this day and age of a law for everything. But Ive gotten to the point of just not giving a hoot. There is nothing we can do, nobody we can vote for that will do anything that will matter. Politics is about getting reelected and trying not to tick anyone off along the way. Take the big money when its handed to you, smile and nod. We are far to lazy as a society to do anything but cry and moan and assume its someone elses responcibility. I know Im not going to waste my time on the capitol steps for anything as I know it will be just that, a waste of time. We motorcyclists are a minority, get used to it, we DO NOT RULE. If every friggin one of us pulled together this fact would not change. The worst is yet to come, though if we somehow took responcibility for anything in our lives thing might change. Yeah right... Flame on
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Old 07-30-2002, 02:40 PM   #86
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Default Re: Some ideas and the cruiser guys won't be happy

Err....Hey Bonehead, anybody pointed out lately what a pompous prick you turned out to be?



Lets see now, to recap, what's his name said something about the government passing laws to outlaw the use of cell phones while driving and not only to require the use of a helmet, but a full face helmet. And hell, while we're at it, lets add to the law that says all motorcycle riders must wear reflective orange, full face helmets.



Then what's his name's brother makes some laws with similar attitudes in regards to automobiles. Then his sister makes some laws with similar attitudes in regards to transportation, in general. Then before you know it, we can't ride from one state to another without "papers".



I just love it when boneheads like yourself stand up on a soap box and preach about "the way it is" and such and forget the most important things. In this case, the important thing is freedom. And when what's his name starts chiseling away at the freedoms that we have here in America, it strikes a nerve. Some people just can't seem to solve a problem without governmental action. It's people like this and what's his name, that will eventually ruin a great thing.



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Old 07-30-2002, 11:27 PM   #87
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Default Re: Some ideas and the cruiser guys won't be happy

You may have a point. It has nothing to do with socialism. Considering that the US seems to be heading in the direction of becoming a theocracy at present, you probably ought to see how that turns out elsewhere in the world before assuming that being more right wing than anybody else guarantees your freedom somehow. Saudi Arabia, Iran, Ireland as it was fifteen years ago, Israel are all run by god-botherers, not a socialist among them. Try getting a flight out of Israel on a Saturday, driving a car in Saudi if you are a woman, buying contraception in Ireland circa 1985 if you weren't married, or doing pretty much anything in Iran. Compare and contrast with many ostensibly socialist regimes in e.g. Africa where the economy may be screwed, the pursuit of personal wealth may be theoretically illegal, but in practice for the price of a few small bribes you can do whatever the hell you like, whenever you like however you like and nobody actually cares to even try and stop you. Authoritarians come in all political and religious shapes and sizes...
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Old 07-30-2002, 11:43 PM   #88
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Default Re: Some ideas and the cruiser guys won't be happy

If socialism in practice worked as well as socialism in theory, socialism would be the dominant political philosophy in the world today. Capitalism works less than brilliantly in absolute terms, it just works better than any of the alternatives. And 'common ownership of the means of production' in a planned economy might very well mean a good chance of widespread famine, shortages, economic collapse &c &c &c, but Marx has little if anything to say about compuslory protective clothing for bikers or anybody else.



I'll put my hand up to the redneck jibe by the way - it just seemed such a stereotypical accusation he made, and as a Brit, that was the image of the poster that popped into my head. Still, he just called me a pompous bonehead so I'll assume we're even.
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Old 07-31-2002, 01:02 PM   #89
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Default That has nothing to do with it, longride

Hello, where have you been? California is the most litigious state in the union with a high theft rate (especially for motorcycles). I suspect the reason why Allstate is not making any money is economic i.e. risk and return. The risks of insuring a motorcycle don’t outweigh the return i.e. premiums. Very Simple right. It has nothing to do with helmets.



In Washington State some companies only do liability insurance on bikes. Same reasons as above.



P.S. According to the David Hough book by far the most accidents involve another vechicle. Not the solo jobs. So rider education will only take you so far. Nothing like a Full Face helmet to protect you. I have Shoei 900 and I love it. Nice cruiser black. I'll bet you would like it as well Just looking after you, I love sparing with you.
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Old 08-01-2002, 10:29 AM   #90
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Default Re: That has nothing to do with it, longride

"Hello, where have you been? California is the most litigious state in the union with a high theft rate (especially for motorcycles). I suspect the reason why Allstate is not making any money is economic i.e. risk and return. The risks of insuring a motorcycle donÂ’t outweigh the return i.e. premiums. Very Simple right. It has nothing to do with helmets."



I see you "suspect" again and have no FACTS. I did hold something back from the letter and you won't like it:



"We have taken this action to allow Allstate an opportunity to evaluate the motorcycle situation, prepare a business plan to address it, and resume the sale

of new policies in the near future. There are many issues to address. For example, our existing rating plan is only partially designed for the types of

motorcycles in todayÂ’s market. We are not surcharging high performance or sports bikes like our competitors are doing, which is contributing to adverse

selection.



What? They aren't surcharging for safe sportbikers? Why surcharge them when EVERYONE knows they all wear helmets and are safe! LOL I guess you ate that one big time eh? You are only right on one thing. It has NOTHING to do with helmets. They are irrelevent as far as the insurance companies are concerned. I can get any bike made and pay 380 bucks full coverage year round. They NEVER ask if I do or don't wear a helmet. Some of those Busa guys are paying 2 and 3 grand for insurance! SOME companies give a break if you too an MSF course. See? THEY value education over helmets. David Hough is wrong. Period. End of story. I don't need a helmet if I don't crash and that is a point you missed all along. Better crashing is not to solution. Never was and never will be.
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