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  1. #16
    Banned
    My Bike(s)
    Ilene
    Location
    the land of the setting sun
    Posts
    880
    As a police officer, do you ever want to just wring somebody's neck-not because they misunderstand you, but because they do understand you?

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  3. #17
    Banned
    My Bike(s)
    Ilene
    Location
    the land of the setting sun
    Posts
    880
    let me elaborate with an example, my argument being I am not required to have insurance and forum handle b says I am required to have insurance. I feel I have won the argument then get in a wreck without insurance and am held liable for thousands in hospital bills and repairs, as a result of being a real smart rider.

  4. #18
    M-J Lifetime Achievement Award
    My Bike(s)
    '10 Kaw Vulcan 900 Custom
    Location
    Ocala, FL
    Posts
    8,550
    Quote Originally Posted by Ironjoey View Post
    Washington state government does not require motorists to carry any form of insurance on a motorcycle.
    Thank you.
    I wonder how many other states work that way ?
    (Just an idle thought, not necessarily expecting an answer.)

    In your line of work I guess maybe it is not surprising how many people can't answer a simple "yes or no" question but it kind of amazes me.

    The really sad part is that my spouse often falls into that category.
    Don't believe everything that you think.

  5. #19
    M-J Lifetime Achievement Award
    My Bike(s)
    '10 Kaw Vulcan 900 Custom
    Location
    Ocala, FL
    Posts
    8,550
    Quote Originally Posted by limitedbyfourkawiby2 View Post
    and forum handle b says I am required to have insurance.
    YOU are the only one arguing.

    I asked, several times, if liability insurance was required by state law and you STILL have not given a straight yes or no answer........but someone else did.

    So........maybe a valid answser to the question in the original thread is: Move to a state that doesn't require insurance.
    Don't believe everything that you think.

  6. #20
    Puddle Runner
    My Bike(s)
    2007 Suzuki M109R & 2 V65 Magna's
    Location
    Montana
    Posts
    398
    Quote Originally Posted by Easy Rider View Post
    Thank you.
    I wonder how many other states work that way ?
    Montana dose not require any kind of insurance om motorcycles. I still carry coverage on 4 bikes. You are still responsible for any damage that you cause. It would not be smart not to have at least liability.
    Live To Ride

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  7. #21
    Banned
    My Bike(s)
    Ilene
    Location
    the land of the setting sun
    Posts
    880
    Quote Originally Posted by Easy Rider View Post
    YOU are the only one arguing.

    I asked, several times, if liability insurance was required by state law and you STILL have not given a straight yes or no answer........but someone else did.

    So........maybe a valid answser to the question in the original thread is: Move to a state that doesn't require insurance.
    you are disagreeing with me who is arguing with thin air! not a problem unless there is a wreck.

  8. #22
    Banned
    My Bike(s)
    Ilene
    Location
    the land of the setting sun
    Posts
    880
    I think this has gone a little off topic, how can I save money on motorcycle insurance?

  9. #23
    Banned
    My Bike(s)
    Ilene
    Location
    the land of the setting sun
    Posts
    880
    Most of all I wouldn't worry about the rates so much, just like riding a bicycle, swerve the potholes and obey traffic laws my first traffic ticket ever was 108 miles per hour I am surprised I can buy insurance.

  10. #24
    Fender Buffer
    My Bike(s)
    Honda RR8
    Location
    Montana, U.S.A.
    Posts
    418
    Quote Originally Posted by Easy Rider View Post
    I wonder how many other states work that way ?
    MT, WA, and FL. That is what I got out of this 2009 site.

    Motorcycle insurance requirements by state | Insure.com
    [

  11. #25
    Fifth gear streak
    My Bike(s)
    09 FatBob, 09 M50
    Location
    Near a Computer
    Posts
    1,381
    Quote Originally Posted by limitedbyfourkawiby2 View Post
    I think this has gone a little off topic, how can I save money on motorcycle insurance?
    a small non race replica bike is fairly cheap to insure,
    recent msft completion is a discount.,
    some places offer student discounts, low mileage discounts. multivehicle discounts.

    but the important thing is the bike. a brand new m50 is far cheaper to insure than a 10 yr old gsxr.

  12. #26
    Banned
    My Bike(s)
    Ilene
    Location
    the land of the setting sun
    Posts
    880
    msft? low mileage, I could go for that.

  13. #27
    Banned
    My Bike(s)
    Ilene
    Location
    the land of the setting sun
    Posts
    880
    oh, ok I thought low mileage meant on the vehicle all together.

  14. #28
    Banned
    My Bike(s)
    Ilene
    Location
    the land of the setting sun
    Posts
    880
    I really wish people would pay attention to the keep right except to pass state law signs, maybe I was tailgating but there is no need to ride right next to a semi for 5 minutes due to some economy car in the left lane.

  15. #29
    Banned
    My Bike(s)
    Ilene
    Location
    the land of the setting sun
    Posts
    880
    ok, I upgraded to 5k bodily injury insurance. priceless in comparison to injury with no insurance. I do think a motorcycle safety course would be ideal for young riders(or new riders in general). I had drivers education before I got my drivers license in 2003 i got my endorsement in 2011. I am sure a few years with a regular drivers license would not be careless. I can't put enough emphasis on knowledge experience and wisdom to prevent incidents to keep the insurance company happy. My experience with my permit was exiting, I bent the rules once and rode at night in a group with riders with years experience.

  16. #30
    Newbie
    My Bike(s)
    Suzuki Savage
    Location
    Norfolk, VA
    Posts
    4
    One step up from this is third party, fire and theft
    I just bought my first bike yesterday, and was thinking about getting a policy with fire and theft added. Trying to understand exactly what each type of insurance policy covers, so I guess the best way to ask is: what would this policy NOT help me out with? Say there's a crash and I get injured, the other driver gets injured, both vehicles are damaged, we both want to claim it's the others fault, etc. Worst case scenario, what am I missing out on if I don't get full coverage? Thank you...looks like I entered a heated discussion here but just wanted to take it back to the basics, lol.

    PS kawiby2 - your signature isn't showing up correctly on my end, just see a bunch of style coding before your text, but maybe it's just my mac.


 

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