Who rides motorcycles?

[the old grind]

It's been promised that the insured will soon contribute less to Michigan's "MCCA Assessment Recoupment", an entrenched subsidy of Insurance Companies. It's so they never have to pay more than $10 million per crash victim for IMO medical experimentation. (sorry to say it that way)

In MI, if you have a cycle endorsement your basic medical coverage is taken from your auto/truck policy by law. I plate and insure two cars, one truck, and one bike. My problem is paying the 'crash tax' four times when I can only drive one at a time. Two to four people sharing one car can put five times the miles on a car and pay once. 6 month policy periods split the annual cost per renewal on auto & truck policies.

Anyway, here's my last year's 12 month renewal with a whole year of the 'tax'. No full coverage on any vehicle here since I don't put 5k miles on all put together. btw, Got Progressive?

 

[dfkrug]

btw, Got Progressive?

I can't tell who the carrier is there, but my last street bike policies were with Progressive. Beat everyone on price. Not sure if that is true anymore.

I was living in MI back when they brought in no-fault insurance, but it did not apply to m/cs or parked cars. Has that changed?

These days, it seems that if you don't combine policies (HO + auto), you are paying more than you need to.

 

[LouNY]

Well mine is a bit more but I have a bit more coverage also; also thru Progressive and I have my side by side utility vehicle thru them a whopping $106.00 a year.

2014 HARLEY-DAVIDSON FLHTK ELECTRA GLIDE LTD (VIN: 1HD1KEL

Physical damage option: Actual Cash Value

Coverages

Limits

Rate
Bodily Injury Liability:
(Includes Supplemental Spousal Liability coverage) $100,000 each person
$300,000 each accident $54.00
Property Damage Liability: $50,000 each accident $30.00
Uninsured Motorist & Supplementary Uninsured/Underinsured Motorist: $25,000 each person
$50,000 each accident excluding Supplementary $16.00
Pedestrian Personal Injury Protection: $50,000 $2.00
Optional Basic Economic Loss: $25,000 $5.00
Medical Payments:
$25,000 each person $171.00
Comprehensive: $500 deductible $29.00
Collision: $500 deductible $155.00
Roadside Assistance:
Selected $10.00
Accessory coverage: $3,000 (included) Included
Total rate for this vehicle: $472.00

 

[hunt4570]

Well mine is a bit more but I have a bit more coverage also; also thru Progressive and I have my side by side utility vehicle thru them a whopping $106.00 a year.

2014 HARLEY-DAVIDSON FLHTK ELECTRA GLIDE LTD (VIN: 1HD1KEL

Physical damage option: Actual Cash Value

Coverages

Limits

Rate
Bodily Injury Liability:
(Includes Supplemental Spousal Liability coverage) $100,000 each person
$300,000 each accident $54.00
Property Damage Liability: $50,000 each accident $30.00
Uninsured Motorist & Supplementary Uninsured/Underinsured Motorist: $25,000 each person
$50,000 each accident excluding Supplementary $16.00
Pedestrian Personal Injury Protection: $50,000 $2.00
Optional Basic Economic Loss: $25,000 $5.00
Medical Payments:
$25,000 each person $171.00
Comprehensive: $500 deductible $29.00
Collision: $500 deductible $155.00
Roadside Assistance:
Selected $10.00
Accessory coverage: $3,000 (included) Included
Total rate for this vehicle: $472.00

Yeah, mine is $300,000 / $100,000 also.. we have that amount on all our vehicles..

$20,000 / $10,000 wouldn't pay for much.

 

[kcflhrc]

No reason to have Medical on the bike policy if you already have medical insurance. Taking that off will save you a bunch. Not required here.

 

[Dan the roofer]

Just picked up my new 2020 ninja 1000sx today! Even though it was cold windy and rainy and I still have ice in my driveway....I知 a happy man. It痴 amazing how at 54 years old I can feel like a little kid at Christmas!
Thankfully I ordered it before all this **** started otherwise I probably wouldn稚 have done it!
Stay safe everyone!
Cheers .

 

[Racenut]

Congrats on the new ride! Hopefully things blow over soon and you still have a good amount of your riding season to play with.

 

[dieselcrawler]

Congrats on the new ride! Hopefully things blow over soon and you still have a good amount of your riding season to play with.

Agree, congrats on the new wheels... how about some pictures?

Dispite the crazy nature of the world at the moment, I'm one of the (un?)lucky ones that has an 'essential manufacturing' job and is still working... hoping its warm enough to ride the bike tomorrow, it's my weekend to work... I'll be riding if it's over 40* at 5:30am when I leave... might make dodging coworkers all day a little more worthwhile...

 

[Dan the roofer]

 

[Dan the roofer]

That’s the only 2 pics I have so far. Fortunately I live in a rural are so when the weather is good I can ride! Roofing is kind of considered essential as well and all my suppliers are open so I’m starting work this week. After my yearly four months off and the new purchase I really need to get back to work! Partially for my sanity but more importantly the bills are piling up and I’ve gotta put food on the table.