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vr4playa -> RE: Insure Yourselves & Your Bike! (3/30/2008 2:27:33 PM)
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well since I just got my F4i yesterday, biggest thing on my mind is getting it insured(well and x-fering the plates and title), last bike I had was my 95 YZF600 and I paid $240/yr for liability only w/ 2 tix on my record(which due to b.s. IL law, I had a 1 month suspension b/c I was b/w the age of 18-20 and tix were w/i 2yrs of each other.... could've fought it, but didn't think it would be a big deal), a minor fender bender that I was at fault(no citation issued), and the crash w/ the YZF that was the other driver's fault(same situation as the originator of this thread, only thankfully I sustained just a bruised tail-bone and a busted bike which his insurance footed the bill for bike, med bills, and even the laptop that was in my backpack)....
after checking Progressive for a quote, it asked if there were any accidents or citations w/i 35 months, since my record has been clean and I haven't had any major accidents or violations(DUI, reckless driving, etc) would I be able to get decent rates for full coverage???
also it asked about accidents that you weren't at fault, would that even affect the rates?
bottom line is that since I am 24 and 9 months away from the big 2-5 which is supposed to be the big insurance discount age, I might just stick to liability for this season and wait until next riding season to upgrade to full, I just don't want to, with my luck, have the bike totalled and be out the money I paid or even worse... have some big medical bills
and as far as medical insurance, since I'm self-employed, all I have is a catastrophe plan through my parents that would cover me in the event of a major illness or accident, but not sure how it would cover in the case of a bike wreck.... thankfully the guy I got the bike from is also self-employed and has a guy he can refer me to for health insurance, so i'll see what he says and post on here what he quotes to see if it's a reasonable rate.
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