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Old 05-14-2014, 05:08 PM   #1
Texasbeast
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Exclamation Insurance question?

If I get my bike insured under my dads name as him the driver (because he is 60 years old an it will be much cheaper) can I still drive the bike legally? Will I be covered if in a accident?
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Old 05-14-2014, 05:08 PM   #2
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Exclamation

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Originally Posted by Texasbeast View Post
If I get my bike insured under my dads name as him the driver (because he is 60 years old an it will be much cheaper) can I still drive the bike legally? Will I be covered if in a accident?
I won't be listed on it at all!
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Old 05-14-2014, 05:58 PM   #3
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No?
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Old 05-14-2014, 06:08 PM   #4
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Generally bike insurance is assigned to a rider and not considered "permissive use" like car insurance. Because of the high risk associated with age range, the companies are not stupid.

Have your dad ask the company would they cover him if he loaned you the bike and you wrecked it. Be sure of that answer before you take chances unless you don't give a .
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Old 05-14-2014, 06:10 PM   #5
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If he is in the policy however, it will be cheaper. Give my agent a call, I got another member here and he got his ins like $300 cheaper or more I think.
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Old 05-14-2014, 06:15 PM   #6
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Quote:
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If he is in the policy however, it will be cheaper. Give my agent a call, I got another member here and he got his ins like $300 cheaper or more I think.
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Old 05-14-2014, 07:07 PM   #7
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You would have to say you were test riding. Being your dad, I dont see it working. Im going to say that you will NOT be covered. Insurance is one of those things that must be considered when buying a bike.
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Old 05-14-2014, 07:57 PM   #8
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You would have to say you were test riding. Being your dad, I dont see it working. Im going to say that you will NOT be covered. Insurance is one of those things that must be considered when buying a bike.
All I'm really concerned about is theft coverage lol
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Old 05-14-2014, 08:29 PM   #9
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Quote:
Originally Posted by Texasbeast View Post
All I'm really concerned about is theft coverage lol
Until you drop the bike in the garage, or you fall at a red light. When you try to cheat the system, you get screwed in the corn hole. I'd highly suggest you do it the way it's intended, or you will wish you had. Promises bro :p

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Old 05-14-2014, 08:48 PM   #10
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I called my insurance company and asked about theft coverage they didn't give me good answers lol tomorrow I'm going to just rent a storage building! I just don't wanna end up getting it stolen and me stuck with the paymens
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Old 05-14-2014, 09:06 PM   #11
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Did you finance the bike? What were the requirements for insurance coverage, if any?
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Old 05-14-2014, 09:08 PM   #12
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Had a friend do this with a car. He got in an accident and the insurance covered it but they were and cancelled the policy after they wrote a check.
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Old 05-14-2014, 09:22 PM   #13
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Did you finance the bike? What were the requirements for insurance coverage, if any?
If you finance through yamaha ( don't know about the others ), then you just need liability ( full coverage isn't needed ).

Although, not sure about the other big names. Generally if you finance outside of the dealership ( bike wise ), then your Credit union or bank will require full coverage.
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Old 05-14-2014, 09:43 PM   #14
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Quote:
Originally Posted by Yillbs View Post
If you finance through yamaha ( don't know about the others ), then you just need liability ( full coverage isn't needed ).

Although, not sure about the other big names. Generally if you finance outside of the dealership ( bike wise ), then your Credit union or bank will require full coverage.
Yes I went through yamaha and it only required liability! I'm going to rent a storage room for my baby to be safe lol
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Old 05-15-2014, 01:13 AM   #15
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Quote:
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Yes I went through yamaha and it only required liability! I'm going to rent a storage room for my baby to be safe lol
If you can't afford insurance, you can't afford a storage unit. $75+/month and you only have access to the unit during certain hours.
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Old 05-15-2014, 06:54 AM   #16
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Quote:
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If you can't afford insurance, you can't afford a storage unit. $75+/month and you only have access to the unit during certain hours.
Yea, what this guy said. Your janking away 75 you could put towards your INS.
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Old 05-15-2014, 07:22 AM   #17
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Quote:
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If you can't afford insurance, you can't afford a storage unit. $75+/month and you only have access to the unit during certain hours.
I have liability, theft coverage is 200 a month added on top of the liability! I was thinking storage should only be like 30 bucks.
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Old 05-15-2014, 07:22 AM   #18
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Bro if ur tight ur tight but don't chance it with insurance.. Just bit ur lip and pay the price. Especially if you have a newer bike or new bike. Mines an 09 but basically new I'm 25 ,3tickets for speeding. And I only pay 182 through state farm that might be high for some hut I'm not chancing my baby disappearing or getting totaled. Just think bout what it asking ur paying with money u work for ...cover it
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Old 05-15-2014, 07:24 AM   #19
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Quote:
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I have liability, theft coverage is 200 a month added on top of the liability! I was thinking storage should only be like 30 bucks.
If I was you I'd shop around that just sounds outrages.. Lol
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Old 05-15-2014, 08:08 AM   #20
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Quote:
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If I was you I'd shop around that just sounds outrages.. Lol
I've talked to State Farm and geico they were like ten bucks different. Im 25 with only 1 ticket in the last like 7 or 8 years
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