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Old 10-14-2004, 05:47 AM   #11
longride
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Default Re: Motorcycle Risk Study by Insurance Company

I have State Farm too. They go by displacement and not catagory. I pay $450 a year for the Geezer and $400 for the Ninja. Course I get the GPTB discount along with AARP!
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Old 10-14-2004, 05:48 AM   #12
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Default Re: Sex and Sport Bikes

and all they ever think about is how to get a bigger one
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Old 10-14-2004, 05:53 AM   #13
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Default Re: Sex and Sport Bikes

So true...so true.
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Old 10-14-2004, 05:54 AM   #14
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Default Re: Motorcycle Risk Study by Insurance Company

The wine glasses usually get broken as a result of the firearms becoming dislodged and moving about.
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Old 10-14-2004, 05:58 AM   #15
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Default Re: Don't worry.

Speaking of Mr. Solipsism, where is KPaul these days? Did his subscription here at MO lapse?
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Old 10-14-2004, 06:05 AM   #16
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Default Re: Don't worry.

Check out the Buell thread that JB started a couple of days ago. Kook is vomiting all over that one.
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Old 10-14-2004, 06:11 AM   #17
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Default Re: Motorcycle Risk Study by Insurance Company

Yeah, but don't forget that the power the sportbikes bikes develop can get even a very experienced rider in over his head in an awful hurry. Hotshot sportbike brakes are less effective at 160mph than the merely adequate brakes on a cruiser travelling at 80 mph.



A modern sportbike gives far less margin for error. A foolish choice of bikes for a newby. Very foolish.
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Old 10-14-2004, 06:13 AM   #18
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Default Re: Motorcycle Risk Study by Insurance Company

Not surprising when you see that some of the Wingers have $100K worth of chrome doodads bolted onto their rolling Barcaloungers.
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Old 10-14-2004, 06:14 AM   #19
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Default Re: Motorcycle Risk Study by Insurance Company

Even though the data is only for Manitoba, I'm not sure that I believe it's correct. There's one chart that lists costs for injury and costs for physical damage for motorcycles vs. autos, which seems to indicate that physical damage costs are higher for motorcycle damage claims than for auto damage claims. Considering that even a fender bender can cost a couple of grand to repair, I question the validity of this data, which makes me question the rest of the data in the report.



Since this report was prepared for an insurance company, on the potential risk (cost) vs. premiums charged (income), what conclusion would you expect them to come to? Bikes are over-insured and their premiums are too high? I would expect any and all insurance industry studys to find that damage claims and costs are rising, and premiums are not high enough to cover their (insurance companies) risks.
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Old 10-14-2004, 06:14 AM   #20
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Default Re: Motorcycle Risk Study by Insurance Company

Sounds like your is a little cheaper than mine but that's the California factor. Mine is for 100/300 plus all the uninsured motorist coverage I can buy since I live in the land of the uninsured motorist. Many without driver's licenses!
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