February 9th, 2013, 10:24 PM | #121 |
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Name: Hansveer
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Join Date: Jan 2012 Motorcycle(s): Ninja 250r - Track whore, Ninja 300 - SOLD, KTM RC390 - Orange Hulk, Ducati 899 Panigale - Red Devil. Posts: A lot.
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Yes once you cross 25 insurance will be a LOT cheaper.. But you gotta suffer till then...
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April 22nd, 2013, 01:46 PM | #122 |
ninjette.org member
Name: J
Location: Dallas
Join Date: Aug 2012 Motorcycle(s): Ninja 250R '07 Posts: 81
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Because of this thread I raised my insurance coverage...
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1 out of 1 members found this post helpful. |
April 22nd, 2013, 01:53 PM | #123 |
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Name: Jason
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excellent
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Ethioknight Memorial Fund- Sticker sale http://www.ninjette.org/forums/showthread.php?t=111700 |
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April 22nd, 2013, 02:21 PM | #125 | |
One Loyal Fox
Name: Rahul
Location: Mechanicsburg, PA
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Quote:
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My riding blog! Check it out if you are bored!aninjaridingpandabear.blogspot.com RIP Alex 8.10.12 |
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April 22nd, 2013, 02:23 PM | #126 |
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Name: Brian
Location: Orange County, CA
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April 22nd, 2013, 02:56 PM | #127 |
Certified looney toon
Name: Teri
Location: 39°52'40.7"N 118°23'53.8"W (Northern NV)
Join Date: Jun 2012 Motorcycle(s): 2012 Ninja 250, 102k+ miles -- 2014 CB500X, 42k+ miles Posts: A lot.
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MOTM Jul '13, Jul '14
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ACK! :calling State Farm now:
Ok, my rep says that the only time a closed course is excluded is when it is used for racing, not training/education. She spoke with the underwriter and they both dug through the motorcycle policy. Racing=no, training=yes. I explained that track days (used that term) is meant for improving control of the bike on a closed course. We go to a classroom session and them apply those skills on the track. Since I'm in C group, that's all I know to pass on. Not sure if moving up through B or A might change things. But I stressed no racing, no competition, no prizes, no scoring, no timing, nothing that would indicate a race is taking place. I'm going on faith I'm covered on the track since I believe I am well covered on the road (repeating myself but this thread did cause me to bump everything up to the limit I could afford-yay multicar discounts!)
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April 23rd, 2013, 12:18 PM | #128 |
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Name: Colin
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TL;DR
Insurance costs $9 a month.
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April 23rd, 2013, 12:27 PM | #129 |
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.
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Don't think I ever had an update for this but if I'd had a 500k underinsured policy I would have gotten more money back from my accident. I've since switched all my bikes to 500k liability and underinsured and I also added medical payments since it was cheap and they will pay your deductibles/ambulance costs
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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 |
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April 23rd, 2013, 12:41 PM | #130 | |
ninjette.org member
Name: J
Location: Dallas
Join Date: Aug 2012 Motorcycle(s): Ninja 250R '07 Posts: 81
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I just now realized how old this thread was when I posted. Geez. I really need to stop doing that, but at the same time this thread's importance should not be underestimated!
Quote:
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April 23rd, 2013, 12:56 PM | #131 |
ninjette.org member
Name: Josh
Location: Lake Balboa
Join Date: Apr 2013 Motorcycle(s): 2013 Kawi Ninja 300 Posts: 109
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Great post! Got me re-evaluating my coverage and am upping it today to 100k/300k. I would up to the 300k/300k but Geico does not offer it :S
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April 23rd, 2013, 12:58 PM | #132 |
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
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A lot!
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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 |
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April 23rd, 2013, 12:58 PM | #133 |
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
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You have underinsured at the same limits right?
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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 |
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April 23rd, 2013, 01:05 PM | #134 |
ninjette.org member
Name: J
Location: Dallas
Join Date: Aug 2012 Motorcycle(s): Ninja 250R '07 Posts: 81
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April 23rd, 2013, 02:19 PM | #135 |
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.
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Nope, maybe 75% at this point
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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 |
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April 23rd, 2013, 03:02 PM | #136 |
ninjette.org sage
Name: T
Location: U.S.
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With accidents that severe, 100% is typically unheard of. I'm not saying it couldn't happen, but more than likey, there will be some type of permanent loss.
I tore my right biceps tendon from the bone and I only had two months of being unable to use the arm after surgery, then another couple of months of PT, and I was rated at 95%. I think the doctor may have been wrong because it feels a lot closer to 90% to me. That was about five years ago. But hey, my arm still works so I'm good. Back on topic: I recently decided to use an inusrance broker so I didn't have to do all the work anymore. I switched from Allstate to Foremost. I went from 100/300/100, 5K Med to 250/500/100, 10K Med plus better benefits like a towing allowance. I went from $137/month with Allstate to $710/year with Foremost. Try a broker if you have access to one. It was a huge savings for me.
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R.I.P EthioKnight (Alex) |
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April 23rd, 2013, 06:12 PM | #137 |
ninjette.org member
Name: Josh
Location: Lake Balboa
Join Date: Apr 2013 Motorcycle(s): 2013 Kawi Ninja 300 Posts: 109
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Yes, I went with 100/300/50 and 100/300. My yearly only went up by about $280 from $150 to $439 - a small price to pay for some peace of mind.
Last futzed with by JosueDG; April 23rd, 2013 at 10:53 PM. |
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April 23rd, 2013, 07:27 PM | #138 |
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.
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MOTM - Apr '13
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__________________________________________________
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 |
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July 2nd, 2013, 06:38 PM | #139 |
ninjette.org certified postwhore
Name: .
Location: .
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Bump on this thread.
Took a look at my insurance (finally ) and I really was minimum coverage for liability and uninsured/underinsured only. I had the minimum required covered coverage in OH 12.5/25/7.5 12.5/25 for u/u coverage. Once my new policy takes effect on the 5th, I'm going to double it to get 50/100/25 liability and 50/100 U/U for a minimal amount more. I'll look more into getting even more later on. This helps settle my mind a little, but I likely could still do double what I have. Insurance people! Just as important as the gear you wear. Know your coverage and ride with what you're comfortable with. |
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July 2nd, 2013, 10:08 PM | #140 |
ninjette.org member
Name: Cody
Location: Villa Park, IL
Join Date: Oct 2011 Motorcycle(s): 1990 Ninja 250 Posts: 21
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Thanks for this thread! It is really making me think. I really feel it's b.s. that insurance is required by law for all vehicles on the road and there's no mechanism to see that the people that have it don't get screwed over because of those who don't when it actually matters but I guess the bottom line is it is what it is and you gotta take care of yourself.
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July 3rd, 2013, 12:08 AM | #141 |
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Name: Fish
Location: co
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This is kind not true by law they have to put you back in the same place you started at be for the crash. You don't need gap you just need to be willing to fight with the company.
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Hey Unregistered never go faster than your brakes can be applied... |
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July 3rd, 2013, 03:35 AM | #142 | |
ninjette.org certified postwhore
Name: Jason
Location: Norfolk, VA
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Quote:
Imo, the $5/month is worth it in a lot of weird situations that newbs encounter with a new bike. Its the easiest way to get back into a new bike. Getting the additional coverage is always a good idea for high risk vehicles.
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Ethioknight Memorial Fund- Sticker sale http://www.ninjette.org/forums/showthread.php?t=111700 |
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July 3rd, 2013, 08:07 AM | #143 |
ninjette.org member
Name: Trevor
Location: Norwalk, IA
Join Date: May 2013 Motorcycle(s): Kawasaki Ninja 250R Posts: 51
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I've got full coverage on my 08 Ninja and it only costs me $9 a month. It wouldn't be that much of a benefit to go to liability insurance only IMO. My coverage is pretty high on all my vehicles and I review my insurance on a yearly basis and change things as needed, but I never drop my insurance coverage down.
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July 3rd, 2013, 09:13 AM | #144 |
Big Dreams, Small Wallet
Name: Brad
Location: Memphis, TN
Join Date: Feb 2013 Motorcycle(s): 08 Ninja 250R (Sold), 93 VFR750F (In Pieces) Posts: 508
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When saying things like this "100/300/100, 5K Med to 250/500/100, 10K Med"... What does each value represent? I am looking at my policy and for some reason I am just not "getting it"...
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July 3rd, 2013, 09:27 AM | #145 |
Boring is my middle name.
Name: Jason
Location: Bay Area, CA
Join Date: Aug 2011 Motorcycle(s): '09 Ninja 250r Posts: 258
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^http://www.compuquotes.com/auto-cove...00-300-50.html
"You've seen the series of numbers as part of your auto insurance before: 25/50/15, or perhaps 15/30/5. Have you ever wondered what that set of three numbers refers to? Those are the limits of liability on your car insurance policy. Liability coverage is divided into three categories: bodily injury per person, bodily injury per accident, and property damage. These numbers represent the maximum dollar amounts your car insurance company pays on a claim when you are found at-fault in an accident that results in bodily injury and property damage. How to read liability limits If the limits of liability on your policy are set at 100/300/50, and you are found at-fault in an accident, your car insurance company is obligated to pay the claim accordingly: Bodily injury per person: 100 refers to $100,000 and is the maximum amount to be paid for each person injured in the other vehicle in an accident. Should two people in the other vehicle sustain bodily injuries in the amounts of $90,000 and $100,000, these amounts would be fully covered by your car insurance policy because each amount is $100,000 or less. Any amount exceeding the limit is your responsibility as an out-of-pocket expense. Bodily injury per accident: 300 or $300,000 equals the total amount that is paid toward bodily injury. The bodily injury amounts of $90,000 and $100,000 combined do not exceed $300,000, so you are fully covered. Property damage: What if the vehicle driven by the other person is totaled and damages are estimated at $58,000? Because this amount is in excess of the liability limit for property damage, 50 or $50,000, you are obligated to pay the remaining $8,000 after your car insurance company pays the first $50,000 in property damage. Minimum Coverage Minimum liability coverage requirements are compulsory in most states and differ from state to state. However, minimum liability coverage amounts can be increased to ensure you have ample coverage to avoid paying out-of-pocket expenses. Though the minimum may satisfy state requirements, it may not be enough if a lawsuit is brought against you for damages that exceed the limits of your liability coverage. Without sufficient coverage everything you own is at risk--increasing the minimum can help avoid financial hardship." |
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July 3rd, 2013, 09:32 AM | #146 | |
ninjette.org guru
Name: Adi
Location: SF Bay Area
Join Date: Apr 2013 Motorcycle(s): Triumph Street Triple R Posts: 380
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Quote:
The three number represent the liability limits for a single accident. Edit: @JELY1990 beat me to the punch and is more detailed so... |
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July 3rd, 2013, 09:45 AM | #147 |
Big Dreams, Small Wallet
Name: Brad
Location: Memphis, TN
Join Date: Feb 2013 Motorcycle(s): 08 Ninja 250R (Sold), 93 VFR750F (In Pieces) Posts: 508
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Thanks guys. Looks like I am at 25/50/25 including the same for Uninsured. $500 deductibles. $518/yr premium.
I guess I need to start looking to up my coverages.
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~BRad |
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July 3rd, 2013, 12:20 PM | #148 |
ninjette.org guru
Name: Adi
Location: SF Bay Area
Join Date: Apr 2013 Motorcycle(s): Triumph Street Triple R Posts: 380
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There is such a thing as being overinsured especially when your trying to optimize your spending. For example, I'm currently a student and it isn't feasible to up my premium. The type of motorcycle plays a big rolland that's a big win for the ninjette (lighter, more maneuverable, easy on the throttle).
However, if you've got the money and it'll give you peace of mind then it's totally worth it. Unfortunately I'm not even 25 so I have a couple of years of extra careful driving to look forward to. Having said that, insurance should really be your last line of defense. |
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July 3rd, 2013, 12:30 PM | #149 |
Big Dreams, Small Wallet
Name: Brad
Location: Memphis, TN
Join Date: Feb 2013 Motorcycle(s): 08 Ninja 250R (Sold), 93 VFR750F (In Pieces) Posts: 508
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I have to disagree. Insurance is JUST as vital as gear when you are in a major wreck, or even in a minor wreck with injuries (like Jiggles).
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July 3rd, 2013, 01:07 PM | #150 | |
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
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Quote:
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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 |
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July 3rd, 2013, 01:16 PM | #151 |
Certified looney toon
Name: Teri
Location: 39°52'40.7"N 118°23'53.8"W (Northern NV)
Join Date: Jun 2012 Motorcycle(s): 2012 Ninja 250, 102k+ miles -- 2014 CB500X, 42k+ miles Posts: A lot.
Blog Entries: 16
MOTM Jul '13, Jul '14
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That's why to buy what you can afford. Yes, insurance is less vital than food or rent but more vital thanshorty levers or a new exhaust pipe. Being as careful as you can doesn't stop the drunk driver, the red light runner, or the illegal u-turner. And it's against their crappy coverage you are paying for.
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<-- Linky Hey Unregistered! The code [you] shows the username currently logged in. IBA # 56020 AMA # 521481 Fun Rides! ][ My Videos ][ My Gear Hold yourself to the same rules you expect others to follow. |
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July 3rd, 2013, 01:36 PM | #152 |
ninjette.org member
Name: Elias
Location: Denmark
Join Date: Nov 2011 Motorcycle(s): Ninja 250r Posts: 152
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pay a little over 1000$ a year on my 250. and can only agree.
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July 3rd, 2013, 01:47 PM | #153 | |
ninjette.org guru
Name: Adi
Location: SF Bay Area
Join Date: Apr 2013 Motorcycle(s): Triumph Street Triple R Posts: 380
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Quote:
Circumstances, finances and riding style are different for everyone. I don't plan on increasing my coverage b/c I don't do freeway riding, don't need to commute and ride very early in the morning when there's little to no traffic. So, its best to evaluate your own situation and pick a coverage policy that you're comfortable with. |
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July 3rd, 2013, 02:54 PM | #154 | |
ninjette.org certified postwhore
Name: .
Location: .
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MOTM - Feb '13, Feb '14
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Quote:
however, fwiw, I'm also a full time student under 25. I found that the difference pricewise between bare-minimum coverage and semi-acceptable coverage is minimal. |
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July 3rd, 2013, 03:00 PM | #155 | |
ninjette.org guru
Name: Adi
Location: SF Bay Area
Join Date: Apr 2013 Motorcycle(s): Triumph Street Triple R Posts: 380
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Quote:
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July 3rd, 2013, 06:21 PM | #156 |
Quantum Creatrix
Name: Ziva
Location: SE PDX (Portland, OR)
Join Date: Jun 2013 Motorcycle(s): 2012 Ninja 250R Special Edition Posts: 78
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I'll have to wait until my policy updates (I just had them change it this am), but right now I've got 50/100/50, full coverage with a 500 deductible, costs me $400 a year through State Farm. I'll be honest, I didn't even really think about increasing the insurance until I read this thread and posts from others. Had a not so lovely scare this am that had me calling my agent when I arrived at my office today.
The added protection added $108 to my yearly premium but I have better piece of mind now. When they update my numbers, I'll post better details but I should be better covered now especially if I get hit by someone with either no insurance or under insured. I also confirmed with them that riding a motorcycle won't affect my life insurance so I'm covered there as well :-) |
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July 7th, 2013, 10:24 AM | #157 |
ninjette.org member
Name: Darryl
Location: OSU/Dayton, OH
Join Date: May 2013 Motorcycle(s): 08 Ninja 250 Posts: 121
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When I got my bike a few weeks ago, I was curious as to what kind of insurance I should carry on my bike, then I found this thread! Thanks Jiggles for the write up... I ended up getting 250/500/100, same coverages for uninsured/ underinsured, + 2.5k Medical payments (which I'm not really sure I need since I have health insurance?) and roadside assistance from AAA for $320/ Yr! They go thorough Progressive, and Progressive was 30 bucks cheaper, but Progressive wanted 2 lump sump payments, and AAA let me do monthly installments, which helps being that I am a broke college student
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July 7th, 2013, 11:51 AM | #158 |
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
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I ended up getting medical payments because they will pay your deductibles and ambulance ride. My deductible from my crash was $1.5k and the ambulance ride was $1.8k so I would have saved nearly 3k if I'd had medical payments
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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 |
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July 7th, 2013, 12:37 PM | #159 | |
ninjette.org guru
Name: David
Location: Murrieta, California
Join Date: Jun 2013 Motorcycle(s): 2008 Ninja 250r Posts: 288
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Quote:
An ambulance cost you 1.8k?! Ouch. I have 50/100 liability, with uninsured at the same, medical at 3k, and $500 deductible for comp and collision
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2008 Kawasaki Ninja 250r | Yoshimura Stainless Full Exhaust | Pazzo Levers | Puig Double Bubble | DynoJet Stage 2 | K&N Intake | |
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July 7th, 2013, 02:02 PM | #160 |
ninjette.org member
Name: Darryl
Location: OSU/Dayton, OH
Join Date: May 2013 Motorcycle(s): 08 Ninja 250 Posts: 121
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Oh ok... Maybe I will just leave it be then...
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