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Old 11-16-2007, 02:41 PM   #21
texlurch
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I look at it like this. If you can afford to replace the bike, why can't you afford comp? Liability does absolutely nothing for you if you wreck or have the bike stolen; it's like having no insurance at all.
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Old 11-16-2007, 02:47 PM   #22
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Quote:
Originally Posted by Challen View Post
I guess by Racer X's standards, I'm stupid x 2

Personal opinion here:

If you finance a bike, you should have full coverage, period. Not doing it is a sucker's play. If you can't afford the bike and full coverage, then look at another bike.

If you pay cash for a bike, then you need to ask yourself the following question: If the bike were stolen today, could you go to a dealership tomorrow and replace it without breaking a sweat. If the answer is no, then you should be carrying full coverage.

Both of my bikes are $5k +, and both have liability and uninsured motorist only. HOWEVER, they are either in my garage or within view while I'm teaching and I can afford to replace either one easily.

Keep in mind that bikes (especially sportbikes) are stolen (a lot) and wrecked (a lot).

Also, keep in mind that "most" insurance companies will give you a discount if you've passed an MSF course.

Just my .02


My bike can be replaced with out a sweat.... and my bike has never stayed outside... i have never went no where on my bike and left it out more than 1hr... usually if im out on my bike... im on my bike unless im at work (have security in the parking lot) and school (secured by security also) but if my bike was stolen... i wouldnt get another one just cause i have better things to spend my money on... i wrecked my bike and everything is fixxed on it now + i have health insurace which paid for my medical so i only paid for the bike to get fixxed which wasnt much and my co-pay for going to the doctor which is $20
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Old 11-16-2007, 08:42 PM   #23
del240z
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If you have just liability and theft on your bike, I dont see what would be wrong? Maybe i'm missing something....:dontknow:

If you have theft, then they pay out what it's worth at the time, miles, etc. etc.

:dontknow:
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So is refusing to give it up.

If you keep looking in the pantry and finding out its empty, eventually you go to a restaurant.
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Old 11-16-2007, 08:49 PM   #24
texlurch
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Quote:
Originally Posted by Del View Post
If you have just liability and theft on your bike, I dont see what would be wrong? Maybe i'm missing something....:dontknow:

If you have theft, then they pay out what it's worth at the time, miles, etc. etc.

:dontknow:
If it was stolen, you're good.

If you wreck it on your own, you're out all the insurance you paid, the cost of the bike, and the medical costs.

Hit somebody, same story, unless it was their fault and they have coverage.

Liability is the absolute minimum the law requires, but it only covers the OTHER guy, and does nothing to fix or replace YOUR stuff. That's a pretty high risk riding a sportbike the way I like to ride, and with all the theft these days.

Dunno. Just doesn't add up for me.. I mean if I can afford to toss the bike down, and go out the next day to pick up a new one, why can't I afford to insure mine for replacement?

I understand that there are those with crappy records, young, whatever; that have outrageous premiums. But what they are missing is all those out of pocket expenses that will come if they go down..
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Old 11-16-2007, 09:16 PM   #25
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I have 07 gsxr 600 and pay 68.00 a month one ticket. State Farm.
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