Most riders in the South (East, West, and Gulf Coast) are year-round riders. They get more bang for the buck with their bikes.
If they truly don't ride their bikes at all during that time, I can see maybe removing the collision part but I guess they would still need to maintain coverage for theft and damage. It would be sad to have a few days break in the weather and not be able to ride just because the insurance lapsed.
How does your policy read?
If they truly don't ride their bikes at all during that time, I can see maybe removing the collision part but I guess they would still need to maintain coverage for theft and damage. It would be sad to have a few days break in the weather and not be able to ride just because the insurance lapsed.
I wonder if the insurance is actually stopped, or are the winter months simply taken into account when determining the premiums and adjusted for that?
We'll have to hear from those in the snow belt.
just posted.
I don't think there's "winter break" thing to take into account. Later on after I signed up for insurance, I called Progressive to adjust my policy from "recreational" to "commuting" but the agent told me to not worry about it and that it doesn't affect anything. I recall selecting "Recreational Use" when signing up for it and I thought it would make my insurance policy cheaper but I suppose it's just for statistic purpose.
So you are covered all 12 months of the year? Meaning, even bikers who don't ride 12 months of the years still get insurance for the whole 12 months. Is that correct?just posted.
I don't think there's "winter break" thing to take into account. Later on after I signed up for insurance, I called Progressive to adjust my policy from "recreational" to "commuting" but the agent told me to not worry about it and that it doesn't affect anything. I recall selecting "Recreational Use" when signing up for it and I thought it would make my insurance policy cheaper but I suppose it's just for statistic purpose.
I guess - as long as your driving history is safe and clean... you will continue to get a discount as the time goes by.
Interesting.
Each state is sooooo different; confusing.
oh gotcha. Such insurance term confused me sometimes.
yup! no different from a hermit with a car
Each state is sooooo different; confusing.
yep. you definitely should go full coverage when you renew your insurance coverage because of no-fault accident and uninsured driver. At least it's a good peace of mind to know that you will be completely covered... especially medical expense. Due to bad economy... many drivers have limited coverage or no insurance so they will not be able to pay you and you have no way of collecting full amount. A very costly and time-consuming way is to hire a lawyer to sue them but good luck collecting the money.
With full coverage - your insurance company will pay the rest of amount owed to you by them and then forget about it. (ie. NJ's law requires minimum Bodily Injury Liability coverage to be $15,000 per person/$30,000 per accident so if the driver's limited liability covers up to $15,000 and your medical expense is $40,000. your insurance will pay you $25,000.)
better $228 than $$$$$$$$ legal/medical expenses
ah.... chopper.... a carefree rider... of course!!! why am I not surprised? They're the one who wears wife beaters + vest and jeans like a 1%'er
for now - just watch out for leaves and painted stripes on street. 'dem a slippery bastard!
very funny. Cuz he looked very Harley guy.