ninjette.org

Go Back   ninjette.org > General > General Motorcycling Discussion

Notices

Reply
 
Thread Tools
Old November 5th, 2013, 05:29 PM   #201
Skullz
ninjette.org guru
 
Skullz's Avatar
 
Name: Ray
Location: 48162
Join Date: Aug 2013

Motorcycle(s): 2012 Ninja 250

Posts: 450
When i got my bike a few months ago i only got the bare minimum of 20/40/10 with the plan of upping it once i paid the plan off for the year, and just made my last payment the other day. I opened up the forum today to see what was going on and seen this thread and forgot i was going to increase my limits, so i went to progessive's site and increased it from 20/4/10 to 250/500/100 for $39 bux for the next 8 months of coverage for the policy. To be honest i should have made those amounts at the time of getting my policy cause my sister was in a car accident and her medical bills were over 100k and climbing with no end in sight for the near future.
I can control the things i do, but i cannot control the things others do.
Skullz is offline   Reply With Quote




Old November 5th, 2013, 05:34 PM   #202
Alex
ninjette.org dude
 
Alex's Avatar
 
Name: 1 guess :-)
Location: SF Bay Area
Join Date: Jun 2008

Motorcycle(s): '13 Ninja 300 (white, the fastest color!), '13 R1200RT, '14 CRF250L, '12 TT-R125LE, '15 CRF110F, '13 TT-R50E

Posts: Too much.
Blog Entries: 7
That's probably a move in the right direction, but keep in mind that those 250/500/100 numbers have very little to do with what you would receive for your own medical coverage if you were injured in an accident. Those numbers are liability limits for what your policy would pay out to someone else that is injured in an accident you are involved with. Make sure that you have appropriate limits for your own Uninsured/Underinsured coverage, if you are expecting that policy to cover your own medical costs when the other driver's does not. Of course - if you already have sufficient medical coverage on another policy, there's no benefit to upping your coverage and costs through vehicle insurance.
__________________________________________________
Montgomery Street Motorcycle Club / cal24.com / crf250l.org / ninjette.org

ninjette.org Terms of Service

Shopping for motorcycle parts or equipment? Come here first.

The friendliest Ninja 250R/300/400 forum on the internet! (especially Unregistered)
Alex is offline   Reply With Quote


Old November 5th, 2013, 08:05 PM   #203
NevadaWolf
Certified looney toon
 
NevadaWolf's Avatar
 
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
One thing to keep in mind is if any motorcycle policies offer medical. Found out that while my auto has a decent medical coverage, my bike does not. SF doesn't even offer it. So..... Yeah, hopefully my employer medical covers it.
__________________________________________________
<-- 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.
NevadaWolf is offline   Reply With Quote


Old November 5th, 2013, 10:33 PM   #204
jeffb502
ninjette.org guru
 
jeffb502's Avatar
 
Name: Jeff
Location: Santa Maria, CA
Join Date: Oct 2013

Motorcycle(s): 2013 White Ninja 300, 2010 Red Ninja 250r (Sold)

Posts: 335
Thanks to this thread I just raised my coverage limits, added uninsured/underinsured motorist coverage, and added a small medical payments coverage. I had originally signed up for the cheapest possible insurance after shopping a few companies. I wound up switching companies to get a reasonable rate for the higher coverage. It was crazy what the difference was from one company to another at different coverage levels.

Quote:
Originally Posted by NevadaWolf View Post
One thing to keep in mind is if any motorcycle policies offer medical. Found out that while my auto has a decent medical coverage, my bike does not. SF doesn't even offer it. So..... Yeah, hopefully my employer medical covers it.
I haven't signed up for Medical Payments on any of my auto policies, but on the motorcycle policy it says it covers me even while I'm not operating the motorcycle, for example as a pedestrian. When I used to be on the bicycle forums people would mention having medical payments coverage on their car to cover them while they were operating bicycles. Might talk with the auto policy provider to find out what situations the med payments might cover other than in an insured auto. I'm guessing they'd exclude motorcycles, but it's a weird business and every company seems to do things a little different.
jeffb502 is offline   Reply With Quote


1 out of 1 members found this post helpful.
Old February 25th, 2015, 03:43 AM   #205
Singh2jz
ninjette.org certified postwhore
 
Singh2jz's Avatar
 
Name: Inderveer
Location: San Jose
Join Date: Nov 2012

Motorcycle(s): '07 ex250-F/J

Posts: A lot.
bump...
__________________________________________________
The Bike | The Truck
Singh2jz is offline   Reply With Quote


Old February 25th, 2015, 02:24 PM   #206
ninjunk
Lostcause enthusiast
 
Name: Graham
Location: Austin, TX
Join Date: Jan 2015

Motorcycle(s): 2000 EX250F

Posts: 178
Thanks to this thread I just maxed out my insurance policy and now feel 100% confident riding in shorts and flip-flops.

I still wear sweet wraparound sunglass though because i don't have vision coverage.
ninjunk is offline   Reply With Quote


1 out of 1 members found this post helpful.
Old February 26th, 2015, 01:42 AM   #207
asdfman
٩(͡๏̯͡๏)۶
 
asdfman's Avatar
 
Name: asdfman
Location: SF, CA
Join Date: Nov 2014

Motorcycle(s): 09 Ninja 250 held together by duct tape and zip ties

Posts: 122
Quote:
Originally Posted by ninjunk View Post
Thanks to this thread I just maxed out my insurance policy and now feel 100% confident riding in shorts and flip-flops.

I still wear sweet wraparound sunglass though because i don't have vision coverage.
Make sure you max out accessory coverage so you can replace those shades just in case.
asdfman is offline   Reply With Quote


Old March 26th, 2015, 06:29 PM   #208
broilmebk
ninjette.org sage
 
broilmebk's Avatar
 
Name: Brian
Location: Orange County, CA
Join Date: Apr 2012

Motorcycle(s): '12 ninja 250r

Posts: 762
It's about that time for my renewal and I was totally caught off guard when I saw it's $150 more this year esp since my record is squeaky clean. Called up progressive to see what's up and rep said rates are going up all through SoCal. Anybody else getting this?
broilmebk is offline   Reply With Quote


Old March 26th, 2015, 08:46 PM   #209
cadd
cadd cadd cadd
 
cadd's Avatar
 
Name: Cadd
Location: 41°21'13.1"N, 74°41'37.4"W
Join Date: Jan 2014

Motorcycle(s): 300

Posts: A lot.
MOTM - May '15
Shop around!! Worst case scenario: the rates are comparable.
cadd is offline   Reply With Quote


Reply




Similar Threads
Thread Thread Starter Forum Replies Last Post
[motorcycle.com] - Insurance Buyer’s Guide – Insurance Primer Ninjette Newsbot Motorcycling News 0 April 6th, 2015 10:10 PM
[motorcycle.com] - Does usage-based insurance (or pay as you drive insurance) work fo Ninjette Newsbot Motorcycling News 0 October 9th, 2013 02:50 PM
Insurance. Aggrotech Off-Topic 14 June 9th, 2013 02:38 AM
Insurance? thurt88 General Motorcycling Discussion 10 April 30th, 2013 03:24 PM
insurance on a NON-OP car? alex.s Off-Topic 3 July 31st, 2011 11:48 AM


Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump


Motorcycle Safety Foundation

All times are GMT -7. The time now is 08:03 AM.


Website uptime monitoring Host-tracker.com
Powered by vBulletin®
Copyright ©2000 - 2024, Jelsoft Enterprises Ltd.
User Alert System provided by Advanced User Tagging (Lite) - vBulletin Mods & Addons Copyright © 2024 DragonByte Technologies Ltd.
Except where otherwise noted, all site contents are © Copyright 2022 ninjette.org, All rights reserved.