Cycle whore thread
Wtf? So what exactly do you pay for? I'm getting a quote now and it says $183 a year, but that's without collision coverage. Does that mean if you drop your bike, you have to come out of pocket for repairs?
You lay your bike down because of anything besides someone elses fault in an accident (Sand, you being an idiot, etc.) -- You're on your own.
If it's not your fault in an accident, their insurance covers you.
i.e. if j4k3 had liability.. his little spillage in Pungo wouldn't be covered -- (he decided to pay out of pocket anyway instead of get raped with the increased insurance premium, regardless).
BUT I'm pretty sure his rates are going to go up anyway (albeit not as much) because it will be an accident on his record.. even though he wasn't charged it will still show up -- happened with my insurance a few years ago.
Last edited by kick rox; Mar 15, 2010 at 11:34 AM.





