Insurance comparison - Page 2

Kstorm21 · November 6th, 2012, 05:09 PM

Quote:

Originally Posted by Jiggles

No, get higher liability limits of 250/500 and uninsured/underinsured of the same amount

I bumped up the liability. What is the other two things for? They told me we don't need that cause we are military and our medical is covered for free no matter what.
Thanks for your help Jiggs

Jiggles · November 6th, 2012, 05:13 PM

Do they cover your wages as well if you injured? Pain and suffering?

Kstorm21 · November 6th, 2012, 05:18 PM

Not wages....I don't have a job. And no to the P&S.

Edit-is the underinsured and uninsured the same thing? On mine it's two separate things and to bump them both up to 250 it takes my insurance over 500/year.

CThunder-blue · November 6th, 2012, 05:56 PM

I wouldn't get liability that's outrageous, unless you plan on wrecking into a rolls. The uninsured, I would get most of 10k since the military pays for your medical. The 10k would pay to replace your gear/bike.

Kstorm21 · November 6th, 2012, 06:04 PM

Quote:

Originally Posted by CThunder-blue

I wouldn't get liability that's outrageous, unless you plan on wrecking into a rolls. The uninsured, I would get most of 10k since the military pays for your medical. The 10k would pay to replace your gear/bike.

What about Underinsured? Through Progressive it's two separate things. Doesn't the accessory coverage cover gear?

capetorial · November 7th, 2012, 05:56 AM

Quote:

Originally Posted by Kstorm21

What is considered full coverage? I'm getting my bike on Friday and got a quote yesterday for $150/yr. That's with

50K person/100K accident/25k property damage.

Here's everything else:
Uninsured Motorist: No coverage

Underinsured Motorist Bodily Injury:No coverage

Income Loss & Disability:No coverage

Medical Payments:No coverage

Transport Trailer:No coverage

Physical Damage Options:Actual Cash Value

Comprehensive:$250 Deductible

Collision:$250 Deductible

Roadside Assistance: Selected

Accessory coverage: 3K

Will that work?

Uninsured is absolutely necessary. I find it odd you'd get collision but not uninsured.

Kstorm21 · November 7th, 2012, 01:08 PM

Quote:

Originally Posted by capetorial

Uninsured is absolutely necessary. I find it odd you'd get collision but not uninsured.

That's just in case someone hits me and they aren't insured right?
Posted via Mobile Device

CThunder-blue · November 7th, 2012, 03:34 PM

Right

Kstorm21 · November 7th, 2012, 03:52 PM

Well Hawaii is a "no fault" state so my own insurance would pay for my damage, and their insurance (or lack there of) would pay for theirs. That's what I was told anyways.

Jiggles · November 7th, 2012, 03:59 PM

Quote:

Originally Posted by Kstorm21

Well Hawaii is a "no fault" state so my own insurance would pay for my damage, and their insurance (or lack there of) would pay for theirs. That's what I was told anyways.

Wut.

So if I smash into you at a red light, your rates will go up?

CThunder-blue · November 7th, 2012, 04:14 PM

Quote:

Originally Posted by Kstorm21

Well Hawaii is a "no fault" state so my own insurance would pay for my damage, and their insurance (or lack there of) would pay for theirs. That's what I was told anyways.

I would talk to your insurance and make sure that's how it works.

Kstorm21 · November 7th, 2012, 04:38 PM

Well, we have to have "extra/special" coverage because it's a no fault state. No 100% sure if that's how it works but I'm pretty sure.

mustang5.0 · November 24th, 2012, 04:06 PM

mine went up $37 per year

nautica · November 24th, 2012, 06:23 PM

Get the best coverage you can afford, you never hear of people complaining about having too much insurance.

November 6th, 2012, 05:13 PM	#42
Jiggles Jigglin' your Jiglets Name: Sean Location: San Jose, Ca Join Date: Jun 2011 Motorcycle(s): 2009 K1300S, 2013 Ninja 300, 2011 Ninja 250R, Faster than Unregistered's ninjette Posts: Too much. Blog Entries: 1 MOTM - Apr '13	Do they cover your wages as well if you injured? Pain and suffering? __________________________________________________ If the Ninja 250 doesn't have enough power for you, then you don't know how to ride it. AFM #676 Supersports are for n00bs

November 6th, 2012, 05:18 PM	#43
Kstorm21 ninjette.org sage Name: Katherine Location: Schofield Barracks, HI Join Date: Dec 2011 Motorcycle(s): 2009 Ninja 250R SE Posts: 767	Not wages....I don't have a job. And no to the P&S. Edit-is the underinsured and uninsured the same thing? On mine it's two separate things and to bump them both up to 250 it takes my insurance over 500/year. __________________________________________________

November 6th, 2012, 05:56 PM	#44
CThunder-blue ModMy250.com Name: Tri Location: St, Louis Join Date: Sep 2010 Motorcycle(s): 2009 Ninja 250R, 2005 R6 Posts: A lot.	I wouldn't get liability that's outrageous, unless you plan on wrecking into a rolls. The uninsured, I would get most of 10k since the military pays for your medical. The 10k would pay to replace your gear/bike. __________________________________________________ The www.ModMy250.com guy

November 7th, 2012, 03:34 PM	#48
CThunder-blue ModMy250.com Name: Tri Location: St, Louis Join Date: Sep 2010 Motorcycle(s): 2009 Ninja 250R, 2005 R6 Posts: A lot.	Right __________________________________________________ The www.ModMy250.com guy

November 7th, 2012, 03:52 PM	#49
Kstorm21 ninjette.org sage Name: Katherine Location: Schofield Barracks, HI Join Date: Dec 2011 Motorcycle(s): 2009 Ninja 250R SE Posts: 767	Well Hawaii is a "no fault" state so my own insurance would pay for my damage, and their insurance (or lack there of) would pay for theirs. That's what I was told anyways. __________________________________________________

November 7th, 2012, 04:38 PM	#52
Kstorm21 ninjette.org sage Name: Katherine Location: Schofield Barracks, HI Join Date: Dec 2011 Motorcycle(s): 2009 Ninja 250R SE Posts: 767	Well, we have to have "extra/special" coverage because it's a no fault state. No 100% sure if that's how it works but I'm pretty sure. __________________________________________________

November 24th, 2012, 04:06 PM	#53
mustang5.0 ninjette.org guru Name: E Location: 818 but i rep 516/631/718 Join Date: Dec 2011 Motorcycle(s): 2011 GIXXER 600 Posts: 381	mine went up $37 per year __________________________________________________ "You see it's not the blood you spill that gets you what you want. It's the blood you share, your family, your friendships, your community. These are the most valuable things a man could have."

November 24th, 2012, 06:23 PM	#54
nautica Gixxer Powered Name: Brett Location: OH Join Date: Mar 2012 Motorcycle(s): 2007 GSXR 600 Posts: 397	Get the best coverage you can afford, you never hear of people complaining about having too much insurance.

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