worm~hole
Needs a life
Miles to go before I sleep....
Posts: 10623
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posted January 25, 2003 02:06 PM
 Edited By: worm~hole on 25 Jan 2003 21:22
100% increase...WTF????
...I just recieved my motorcycle insurance premium notice...I'll be 48 this year...clean DMV record...absolutely no claims on this policy (or any policies within the last ten years...none were my fault and the last was for an uninsured who struck my car)...
...so they tell me, "Our rates are lower than everyone else and we had to raise the premium to provide the same level of service for your type of motorcycle and risks and we've been getting lots more claims about your type of motorcycle and go price what the repair shops charge and the doctors and hospitals and...yadayadayada...."
...well, fuckmetotears!!!!...can you specifically tell me where in the country those specific 12Rs were claimed???...can you specifically tell me how many 12Rs were claimed?...my 12R is depreciating yearly, I'm riding less (because of work), and all of the sudden I pay twice as much as the past two years claim free???...for 'services' I've never used????...doesn't my claim-free riding account for anything, ya' stupid f*%k????
...of course he couldn't answer my questions, he was just the messenger, and I didn't really swear at him, but I wanted to...I was very civil...and he tells me that the insurance industry doesn't make money on motorcycle policies...they've made a ton of money off of me since I was 16 year-old licensed driver!!!!
...hey, I understand...business is business and good buiness needs to make a profit to stay in business...but remember that your business depends on its customers' fees and only happy customers pay their fees year after year to help you stay in business...
...BUT...I feel like us honest and responsible riders are being held hostage because we're being lumped with the squids and dishonest riders who file false claims...you know the type...like the ones who dropped their bikes due to their own negligence and ineptitude and made a false police report for insurance purposes about a car that cut them off or backed into their parked bike, for instance...use your insurance when its legit, that's what its for...
...so..F*%K YOU!!!, you stupid squidf*%ks!!!...F*%K YOU!!!, you uninsuredpiecesofshitdrivers!!!...and F*%K YOU!!!, you greedy insurance assholes who can't seperate the good ones from the bad ones...
...and F*%K NO!!! I don't feel better...I can't wait to get to work and get you illegitimatesquidf*%ks off the road...and YES!!! I understand the mad cycle of things...but...F*%K!!!!!
...and so, guys and gals...what can we really do about this???
(uh...after I calmed down a bit, I decided I had better censor certain words...I ate TWO bars of soap  )...but I'm still pissed!!!!!
____________
“We sleep safe in our beds because rough men
stand ready in the night to visit violence on those
who would do us harm.”
-George Orwell
  
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worm~hole
Needs a life
Miles to go before I sleep....
Posts: 10623
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posted January 25, 2003 02:19 PM
Edited By: worm~hole on 25 Jan 2003 14:22
...you know, I'm usually a very plesant person to be around and converse with (so I'm told  )...but this kind of shit really pisses me off...I'm almost sure a bunch of you feel the same way...I wanted to vent on common ground with other riders and friends...sorry if some of you are offended...I'm going for a ride...its 78 degrees...
____________
“We sleep safe in our beds because rough men
stand ready in the night to visit violence on those
who would do us harm.”
-George Orwell
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your car is slow
Needs a job
Fuck Nitrous...Got Boost?
Posts: 4089
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posted January 25, 2003 02:48 PM
Yup...thats what I said last month man...its comin for all of us.
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Do not taunt happy fun ball!
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zrxdean
Needs a job
Posts: 2225
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posted January 25, 2003 02:59 PM
Progressive decided last year to eliminate 1-year policies, and only write for 6 months (for my truck, I don't need bike insurance in Florida). Why? To charge more. That's the only reason my agent could come up with. They're still the cheapest, so I just get to bend over and take it. Ended up costing me about $100/year extra.
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niuhi
Expert Class
Posts: 374
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posted January 25, 2003 03:22 PM
I will probably catch crap for this but here is my .02. I think the majority of the claims are from young inexperienced riders. There should be a mandatory amount of time and or permit, where a rider needs to gain experience on a smaller machine, It's kinda ridiculous that a kid in high school can go to the dealer and buy a 600 rocket let alone something like a 12 or Busa for their first bike.
I'm 40 and I got the same BS from Progressive about insurance. I haven't had a claim in years and they want to charge me the same rate as a teenager. That is utterly F*#KED UP. If it were up to them I'd be riding an underpowered Goldwing.
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Hawaii no ka 'oi
Les
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Zhooligan
Moderator
Post Whore Extraordinaire!
Posts: 3829
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posted January 25, 2003 03:23 PM
I'm guessing you are probably like myself Worm-hole in that you have kept insurance on your bikes for yers, and on occasion you have had a crash or mishap that you paid for out of your own pocket to keep your rates from going up.
The manufactures are really the culprits here. They charge so damn much for parts that fixing a crash is insane. Add to that the damn guys that buy bikes on credit, can't pay for them so they crash or ditch the bike so the insurance will pay the loan off.
It all pisses me off as well.
____________
To those who do not count their life in years, but in how life
has touched them in the past and how much it can hold in the
future; -- Youth is forever.
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bagster
Zone Head
Posts: 630
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posted January 25, 2003 03:39 PM
I'm blaming it all on that new biker boys movie.
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worm~hole
Needs a life
Miles to go before I sleep....
Posts: 10623
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posted January 25, 2003 03:47 PM
Edited By: worm~hole on 25 Jan 2003 21:16
...I had GMAC on the bike...used to be $245 a year!!!...now $490!!!...honest, mature, experienced rider, motorcycle licensed since 1975, three year-old bike, clean record...WTF???...look, I realize some of you 'younger' riders pay twice as much because of your age, area, etc...but you should be just as pissed, too!!!....how can we revolt?...
...some of you in the insurance industry (if you're brave enough to repsond to this), please explain to our members why this is so!!!...WHY CAN'T CLAIM-FREE CUSTOMERS WHO PAY YEAR IN YEAR OUT BE AFFORDED THE APPRORIATE RATE COMENSURATE WITH THEIR ZERO-CLAIMS AND CLEAN DMV RECORD???...WHY NOT???...
...I would think that if you got zero-claims by your honest riders, you wouldn't need to raise the rates 'to provide the same level of service' for these very riders...insure zero-claimers with a decent rate...terminate the policies and make it difficult (read: expensive) for chronic claimers to be insured by you...but ferchrissakes, don't lump your zero-claimers with these squids...adjust an individual's rates per DMV record and model bike he's/she's riding...base it on the number of claims of the particular model of bike (ie. which model bikes are being totaled or claimed the most...not just the generic 'sportbike' or Ninjas, but GSXR-600 or Kawasaki ZX-12R, for instance...specific models!)
...is this too simplistic?... does this make sense?...or do we just continue to resign and feed the greedy financial juggernaut????..somebody, please explain.....
____________
“We sleep safe in our beds because rough men
stand ready in the night to visit violence on those
who would do us harm.”
-George Orwell
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zx12mark
Pro
Posts: 1654
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posted January 25, 2003 03:50 PM
statefarm
take all your bikes and cars and life insurance to statefarm .i had progressive.they wanted to double are rates so my son could drive on his permit.i switched to statefarm saved 300.00 on the three cars. and pay 278.00 A YEAR FULL COVERAGE on the zx12r. my son has a seperate policy....later killer ...p.s. in missouri
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worm~hole
Needs a life
Miles to go before I sleep....
Posts: 10623
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posted January 25, 2003 03:53 PM
Edited By: worm~hole on 25 Jan 2003 15:55
...yeah, you're right Z....I'm so pissed I forgot to address the motorcycle manufacturers...HEY YOU!!!...KAWASAKI...HONDA...SUZUKI...YAMAHA...DUCATI...APRILIA...ALL OF YOU!!!...WHAT ARE YOU GUYS DOING TO HELP US OUT???...MAKE IT TOO EXPENSIVE TO INSURE AND YOUR SPORTBIKE SALES COULD GO DOWNHILL...OR DO YOU EVEN GIVE A DAMN????
...my cars are insured by statefarm and they were worse than GMAC about my bike...
____________
“We sleep safe in our beds because rough men
stand ready in the night to visit violence on those
who would do us harm.”
-George Orwell
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r21xz
Expert Class
Posts: 109
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posted January 25, 2003 05:45 PM
Hmmmm......I'm State Farm too,$250yr full.
36yo,far from perfect driving record......
guess they liked me?
Jeff
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DaveInDaytona
Pro
Posts: 1696
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posted January 25, 2003 07:50 PM
I just moved to State Farm after Allstate jacked mine nearly 300%.
word of advice on dealing with State Farm agents. SHOP AROUND !.
I called the closest agent to me and he wouldn't write me a motorcycle policy without my auto, and the auto was going to be higher. I went to http://www.statefarm.com/ and typed in my zip code and found 21 agents in my area. I wrote an email to each one and asked if they would write my bike. 19 told me they were forbidden to do just a bike policy, 2 said yes. I went to the first yes I got and they wrote the policy cheaper than my original Allstate rate.
Lesson learned, not all agents are quoting the same info, even if they all work for the same company.
Hope that helps someone.
Dave
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DaytonaSportbikes Forum
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r21xz
Expert Class
Posts: 109
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posted January 25, 2003 07:54 PM
Yes,I should mention that I also switched auto ins. to SF. As Dave said,they would'nt do just the bike.It worked out great ,'cause they saved me a chunck of change on auto compared to Progressive!
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worm~hole
Needs a life
Miles to go before I sleep....
Posts: 10623
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posted January 25, 2003 08:26 PM
quote:
I just moved to State Farm after Allstate jacked mine nearly 300%.
word of advice on dealing with State Farm agents. SHOP AROUND !.
Lesson learned, not all agents are quoting the same info, even if they all work for the same company.
Hope that helps someone.
Dave
...thanks, guys...thanks DID...I'll log on-line and check it myself, too....
____________
“We sleep safe in our beds because rough men
stand ready in the night to visit violence on those
who would do us harm.”
-George Orwell
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Zhooligan
Moderator
Post Whore Extraordinaire!
Posts: 3829
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posted January 25, 2003 09:24 PM
Edited By: Zhooligan on 25 Jan 2003 21:26
If you can't afford the bike insurance you can always go back to draggin a knee in the car!
This is a lot harder to do in my Dodge 4X4
____________
To those who do not count their life in years, but in how life
has touched them in the past and how much it can hold in the
future; -- Youth is forever.
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frEEk
Administrator
ummm... yeah
Posts: 9660
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posted January 25, 2003 11:07 PM
come now worm~hole, tell us how u REALLY feel!
i absolutely agree with u tho. i hate all the kids u go around "stealing" each others bikes, just to sell the parts & claim theft for a new bike. guess the ash tray was full  if it makes ya feel any better tho, the first year i bought the 12, i had it insured for $15,000 (cost me over $18,000 with taxes etc), NO theft, but had collision. what did it cost me? with my claim free record of 8 or 9 years and full discount (about 43%), oh, only $1500 a year. theft would have cost me over $600 more, again, with my 40%+ already taken off. now i'v pulled the collision & put back the theft (cause of moving to the city), and reduced the insurance to $10,000, and that took it to about $130 a month all told.
damn dude, i'v never seen ya so riled up before!
and zhool, that's fuckin hilarious! u just KNOW i'v gotta try that one day!
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worm~hole
Needs a life
Miles to go before I sleep....
Posts: 10623
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posted January 25, 2003 11:25 PM
Edited By: worm~hole on 25 Jan 2003 23:26
...I'm just tellin' it like it is...and I'll do my part this week and for the duration of the rest of my career to take uninsured and unlicensed riders off the road in San Diego County...legitimately and legally, of course...
____________
“We sleep safe in our beds because rough men
stand ready in the night to visit violence on those
who would do us harm.”
-George Orwell
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ddpete3
Pro
Posts: 1189
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posted January 26, 2003 01:13 AM
Dude, chill. You made fun of me before for having to pay more insurance than you did and now my state farm is less than your insurance....My state farm went up and my agent said because the money we paid is used in the market, and the market sucks or some cr*p like that.
Anyway, state farm gives you nice discounts if you do EVERYTHING through them.
Told you you should have filed a claim for certain damages to be kept unnamed.
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worm~hole
Needs a life
Miles to go before I sleep....
Posts: 10623
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posted January 26, 2003 01:22 AM
Edited By: worm~hole on 26 Jan 2003 12:00
....I never made fun of your rates, biatch, you must be confused...statefarm is not writing new home insurance policies in SoCal right now, otherwise I'd lump all my stuff with them if it indeed saves me substantial money...my statefarm agent is starting to look pretty weak anyway...I think I'll look into AAA as well...
..no shit, huh?...I should've used their services that I paid for...so much for me not wanting to make a claim for my self- induced lowside in an effort to keep my premiums down...the muthaf*%ckers!!!...my bike would've looked like-new by now....
____________
“We sleep safe in our beds because rough men
stand ready in the night to visit violence on those
who would do us harm.”
-George Orwell
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RAC4IT
Needs a job
Bergie
Posts: 3009
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posted January 26, 2003 10:29 AM
Wait until later this year after "that movie" comes out and sends rates thru the roof!
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zxrcy
Novice Class
Posts: 62
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posted January 26, 2003 12:08 PM
Insurance Rates
Why doesn't someone do a poll on how many people on this board have claimed on insurance this year. Those that don't have claims pay for those that do. That's the math of insurance. How many years of premiums do you have to pay to offset writing off a $14,000 (CAN) bike. Maybe everyone should start being responsible for their own riding style and crashes; by paying for them. I don't like insurance companies either but I don't have much sympathy when so many people are wrecking their bikes. How much do you think Wilson's little adventure cost, or Stentmans get off etc. etc. etc. I got pissed off with high premiums last year as well. My solution was don't carry collision insurance just 3rd party, fire & theft. Its much ,much cheaper. If I drop the bike I pay. It changes how you ride. I wonder if there would be less wheelies and stoppies if every time you crash you pay. One of the guys at a large local dealership wrote off two new R1's last summer. He is an very experienced rider and ex racer. Both were stunts that got away and the insurance paid. That pisses me off the most. I can name many other situations that are the same. This dealership told me they do a lot of business in insurance write-offs that they are pretty sure are from stunts gone wrong.
This doesn't mean you have to tiptoe around on your bike. My track bike is a Fireblade and its not insured either. I just take the responsibility if I crash I'm going to have to pay. Plain and simple.
If people stop throwing their bikes down the road the insurance premiums will come down. Save the claims for real accidents. Perhaps all bike insurance should only cover 3rd party, fire & theft.
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Hells Dark Lord
Needs a life
living life, and loving it.
Posts: 7981
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posted January 26, 2003 12:24 PM
for those of you that are eligable, look into USAA, I get a really good deal through them.....am 33 and dont have a great record, am paying about 360 a year on the 12, 250 a year on the 6R ....I have no complaints.....
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When in doubt, lean farther and go faster....
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worm~hole
Needs a life
Miles to go before I sleep....
Posts: 10623
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posted January 26, 2003 12:47 PM
...yup, that's what I did...I felt my lowside was probably my fault (tho still unknown why I went down) and I am paying out of my poscket to make my bike right again...and look where it got me....and I'm sure there are other riders out there who did the same thing to make their bike right as well...
____________
“We sleep safe in our beds because rough men
stand ready in the night to visit violence on those
who would do us harm.”
-George Orwell
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DaveInDaytona
Pro
Posts: 1696
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posted January 26, 2003 01:05 PM
Edited By: DaveInDaytona on 26 Jan 2003 13:08
zxrcy,
I crashed my bike, not stunting, but it was my mistake and since I had insurance I put in a claim for it. The FIRST claim I have EVER put in. I understand the BS about putting in a bunch of claims and driving things up, but I don't buy it at all. The companies do have a way of dealing with that, they cancel you.
After Allstate had jacked my rates before my crash because my bike was now on their banned bike list I was pissed. The after I crashed they added a surcharge on my policy for the crash. I was directly told it was because I put in a claim and they were recovering for their loss. Well I could have taken out a loan for a new bike and paid less than what they were charging me.
If your theory is that rates are too high because of the claims that are made then Allstate handles it by making you pay an additional surcharge until you repay them the amount paid on your claim, and they even make a profit on that because they get back more than they pay out for the claim. Kind of defeats the purpose of insurance now, doesn't it ?
And I believe Wilson was run over by a van, not his fault. Do you think that is his problem and he should pay that out of his own pocket so your rates don't go up ?
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DaytonaSportbikes Forum
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Zhooligan
Moderator
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posted January 26, 2003 01:54 PM
Edited By: Zhooligan on 26 Jan 2003 19:24
I insured my first street legal motorcycle in 1969. Since then (34 years later and over 50 street/race bikes later) I have yet to have a single claim of any kind related to my motorcycle insurance. I did have a claim on my moto-cross bike policy (through my home owners policy) in 1997 when it was stolen. The insurance company paid for my bike and gear. The bike and most of the gear was recovered 5 months after the theft.
That all said I have certainly had a few crashes that I personally paid for the repair work! I have to admit that I am zt a point where the next crash if and when, the insurance company will get a chance to experience paying for it.
____________
To those who do not count their life in years, but in how life
has touched them in the past and how much it can hold in the
future; -- Youth is forever.
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