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Old 04-19-2011, 02:38 PM   #41
exalted512
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Originally Posted by chevy42083 View Post
But you can get comprehensive that covers fire/theft and not full coverage
Very true!

I'm about to take off collision/comp off my policy. I live in College Station and my bike is garaged at my house or in a very low-risk area at work. I just don't know if I'm going to do it before/during/or after track day season...
-Cody
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Old 04-19-2011, 02:42 PM   #42
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Originally Posted by exalted512 View Post
I just don't know if I'm going to do it before/during/or after track day season...
-Cody
Not to threadjack, but this brings up another good point. Most companies provide no coverage for anything on a closed course. if you're doing track days you need to make sure you're current ins. company will cover the bike.
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Old 04-19-2011, 02:59 PM   #43
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how much you got? or just need to finance?

edit: nm just refreshed

wouldve been a lot easier to find a bike during the winter months, but i know there are still some out there. what make are you looking for?
or if your lucky like me; you'll find a cheap, clean, and nice bike right before riding season started lol

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My bike is plenty fast. You should be able to finance it easy. Book value is still 7500. No way you need a liter bike
...but it is still possible to find a liter bike for 5 grand.. I know this guy that picked up an 07 zx10r for 5 grand flat.
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Old 04-19-2011, 03:28 PM   #44
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Quote:
Originally Posted by trooper View Post
Not to threadjack, but this brings up another good point. Most companies provide no coverage for anything on a closed course. if you're doing track days you need to make sure you're current ins. company will cover the bike.
Some companies exclude instructional programs. So if you're doing a L1 day with Ride Smart, you might be covered.



If you're riding L3...you're probably screwed.
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Old 04-19-2011, 04:13 PM   #45
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my full policy with Progressive covers Motorcycle rider school long as not racing, and as long as I am the only one on the bike

I have been happy with them'

and don't forget, everyone needs Under/uninsured motorist coverage
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Old 04-19-2011, 04:16 PM   #46
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my full policy with Progressive covers Motorcycle rider school long as not racing, and as long as I am the only one on the bike
I went round and round with progressive about this, they cover mc schools per se, but spefically exclude anything on a closed course. If you're agent says a trackday is covered I'd get it in writing.
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Old 04-19-2011, 06:47 PM   #47
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It depends on several factors, but I'm thinking that it is cheaper getting quotes online. Some of the top insurance companies offer discounts when ordering online, because it is less work for them: http://www.quotes-center.com/motorcy...ce-quotes.html
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Old 04-19-2011, 06:51 PM   #48
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Quote:
Originally Posted by exalted512 View Post
Very true!

I'm about to take off collision/comp off my policy. I live in College Station and my bike is garaged at my house or in a very low-risk area at work. I just don't know if I'm going to do it before/during/or after track day season...
-Cody
good luck driving around a college town without full coverage...just hope the other person has coverage if you are in an accident...to each their own, I personally would NOT drive without full coverage...how many hit n run threads have we seen this year...I don't want a worthless pile of scrap in my back yard and tell people "it use to be a cool bike"...My theory is, if you can't afford the insurance, you can't afford the bike...
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Old 04-19-2011, 07:01 PM   #49
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Originally Posted by joeburt1 View Post
good luck driving around a college town without full coverage...just hope the other person has coverage if you are in an accident...to each their own, I personally would NOT drive without full coverage...how many hit n run threads have we seen this year...I don't want a worthless pile of scrap in my back yard and tell people "it use to be a cool bike"...My theory is, if you can't afford the insurance, you can't afford the bike...
+1 agreed!
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Old 04-19-2011, 09:11 PM   #50
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Quote:
Originally Posted by trooper View Post
Not to threadjack, but this brings up another good point. Most companies provide no coverage for anything on a closed course. if you're doing track days you need to make sure you're current ins. company will cover the bike.
When I worked for State Farm, the underwriters said it was covered unless it was a timed event. And if it wasn't, you could always say it happened somewhere else...

Quote:
Originally Posted by joeburt1 View Post
good luck driving around a college town without full coverage...just hope the other person has coverage if you are in an accident...to each their own, I personally would NOT drive without full coverage...how many hit n run threads have we seen this year...I don't want a worthless pile of scrap in my back yard and tell people "it use to be a cool bike"...My theory is, if you can't afford the insurance, you can't afford the bike...
That has nothing to do with comp/coll. If someone hit me, it would be covered under their insurance...or if they ran, it would be covered under by under my un-insured/under-insured/hit & run coverage, which is separate from comp/coll.
-Cody
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Old 04-19-2011, 10:37 PM   #51
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Quote:
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When I worked for State Farm, the underwriters said it was covered unless it was a timed event. And if it wasn't, you could always say it happened somewhere else...



That has nothing to do with comp/coll. If someone hit me, it would be covered under their insurance...or if they ran, it would be covered under by under my un-insured/under-insured/hit & run coverage, which is separate from comp/coll.
-Cody
I would be very specific with that question the next time you speak with your ins. co..i dont think (could be wrong) your bike would be covered, maybe medical, but not your bike...just be careful...
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Old 04-20-2011, 06:57 AM   #52
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Quote:
Originally Posted by joeburt1 View Post
I would be very specific with that question the next time you speak with your ins. co..i dont think (could be wrong) your bike would be covered, maybe medical, but not your bike...just be careful...
That's what hit & run coverage IS. When I worked for State Farm, we had 2 instances of hit & runs with motorcycles. And yes, the bike was repaired under that coverage. That's why hit and run coverage has limits just like your liability insurance does...25/50/25, etc...as its up to $25k damage for your vehicle is covered.
-Cody
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Old 04-20-2011, 08:43 AM   #53
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Quote:
Originally Posted by trooper View Post
I went round and round with progressive about this, they cover mc schools per se, but spefically exclude anything on a closed course. If you're agent says a trackday is covered I'd get it in writing.

So as long as your instructional course is on open, public roads you're covered. Gotta love insurance company bullshit.
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Old 04-20-2011, 09:21 AM   #54
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Originally Posted by po-po 5.0 View Post
So as long as your instructional course is on open, public roads you're covered. Gotta love insurance company bullshit.
yea, I guess I need to read the policy.
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