Motorcycle Insurance Discussion This is the place to discuss what type of Motorcycle Insurance you carry or any problems or good experiences you've had with certain companies.

auto accident being used against my bike insurance

Thread Tools
 
Search this Thread
 
Old Aug 27, 2009 | 05:21 PM
  #1  
2XNightTrain's Avatar
2XNightTrain
Thread Starter
|
Road Master
Joined: Mar 2008
Posts: 1,130
Likes: 0
From: FLORIDA
Default auto accident being used against my bike insurance

WTF?? I got into a fender-bender in May with my Jeep (since sold) and I was shopping around for insurance for both my bikes (09 Street Bob and 08 Busa). GEICO has me at 981 per year...everyone else wants in excess of $1300. I just don't get it. I live in FL so this is the insurance rip off capital of the free world. It just sucks to pay that much.
 
Reply
Old Aug 27, 2009 | 06:39 PM
  #2  
GymRat523's Avatar
GymRat523
Road Warrior
Joined: Nov 2006
Posts: 1,442
Likes: 3
From: Bel Air Md
Default

kind of like saying I had a wreck in my truck but now I have a car. Everything counts.
 
Reply
Old Aug 27, 2009 | 08:47 PM
  #3  
joewg3's Avatar
joewg3
Tourer
Joined: Apr 2009
Posts: 449
Likes: 1
From: The Woodlands, TX
Default

Why would you think that there would be a difference? If you get a DUI riding your bike I suppose it shouldn't couldn't count against your car insurance either, right?

Anything insurance related goes into a national database that tracks your insurance related activity and you get points against you.
 
Reply
Old Aug 28, 2009 | 10:31 AM
  #4  
DSnoopy's Avatar
DSnoopy
Elite HDF Member
Joined: Feb 2008
Posts: 4,606
Likes: 2
From: Denver, Colorado
Default

Based on your DMV, which affects all vehicles.
 
Reply
Old Sep 2, 2009 | 01:34 AM
  #5  
wideglide78's Avatar
wideglide78
Advanced
Joined: Aug 2007
Posts: 66
Likes: 1
From: Akron, OH
Default

Dont feel too bad. I got hit last year on my bike when I lived in FL. It wasnt my fault at all since I was sitting at a red light. When my car ins. came up for renewal they jacked my rates way up saying that I was prone to be in an accident since I was already in one. Even tho it wasnt my fault. WTF is that. I glad I moved back to Ohio, the weather might suck but my car ins. is dirt cheap!

James
 
Reply
Old Sep 2, 2009 | 07:02 PM
  #6  
bikerrandy's Avatar
bikerrandy
Advanced
Joined: Aug 2009
Posts: 68
Likes: 0
From: Virginia Beach, VA
Default

You think that's bad, try getting insurance for a "special construction" title, even with a perfect driving record! Most insurance companies won't even insure one.
 
Reply
Old Sep 4, 2009 | 05:52 PM
  #7  
Classic Eagle's Avatar
Classic Eagle
Road Warrior
Joined: Jun 2009
Posts: 1,896
Likes: 2
From: North Lima, Ohio
Default

Amen on better rates in Ohio. In South Carolina, Almost double.
 
Reply
Old Sep 12, 2009 | 04:38 PM
  #8  
Breaker19's Avatar
Breaker19
6th Gear
Joined: Sep 2009
Posts: 12
Likes: 0
From: Florida
Default Florida ins rates are chasing people away

Originally Posted by NWFLAStreetBob
WTF?? I got into a fender-bender in May with my Jeep (since sold) and I was shopping around for insurance for both my bikes (09 Street Bob and 08 Busa). GEICO has me at 981 per year...everyone else wants in excess of $1300. I just don't get it. I live in FL so this is the insurance rip off capital of the free world. It just sucks to pay that much.
You're so right about Florida. I live here too. The rates on uninsured motorist for motorcycles is absolutely rediculous. I checked around and Geico was still cheapest for me but I had to drop the UM. After extensive reading and research on the web, UM basically covers medical expenses if someone who is at fault causes you great bodily injury. But there are specific criterium for that too. Being I have excellent health insurance I decided to assume the risk. I mean, we're talking nearly a grand more a year just by adding even unstacked UM. Crazy. I kept the 100/300 and of course opted for PIP and bodily injury but the UM I just cannot afford that kind of rate.
 
Reply
HD Forum Stories

The Best of Harley-Davidson for Lifelong Riders

story-0

Jason Momoa Is Turning Classic Harleys Into PHEVs

 Verdad Gallardo
story-1

Harley-Davidson Fat Boy Becomes a Dark, Decepticon-Inspired Custom

 Verdad Gallardo
story-2

6 Weirdest Harley-Davidsons Ever Sold to the Public

 Verdad Gallardo
story-3

7 Times Harley-Davidson Chucked Tradition Out the Window

 Verdad Gallardo
story-4

7 Surprising Harley-Davidson Products that Are Not Motorcycles

 Verdad Gallardo
story-5

8 Best Harley-Davidson Motorcycles Ever

 Pouria Savadkouei
story-6

10 Worst Harley-Davidson Motorcycles Ever

 Pouria Savadkouei
story-7

Killer Custom's Jail Break Is The Breakout That Refused to Blend In

 Verdad Gallardo
story-8

Crazy Bunderbike Build Looks Amazing, But Is It Impossible to Ride?

 Verdad Gallardo
story-9

Harley-Davidson Reveals Super Cool Cafe Racer Concept

 Verdad Gallardo
Old Sep 14, 2009 | 01:02 PM
  #9  
OldSalt's Avatar
OldSalt
Road Captain
Joined: Sep 2009
Posts: 689
Likes: 2
From: Saint Augustine, FL
Default Had No Idea

I'm getting ready to buy my first bike in a few months, and I hadn't realized how high bike insurance was in FL. I live there, in North Florda as well. Guess the savings from gas savings gets sucked up by the inflated isurance prices? I've got a clean driving record, besides a speeding ticket in '98. I just hope this is all worth it in the end.
Forgot to mention, I'm getting ready to retire from the Navy, so Health Insurance isn't an issue for me when it comes to insurace for the bike.
 

Last edited by OldSalt; Sep 14, 2009 at 01:07 PM. Reason: Forgot to add something in.
Reply
Old Oct 12, 2009 | 03:16 PM
  #10  
CountryGal's Avatar
CountryGal
Stage II
Joined: Oct 2009
Posts: 2
Likes: 0
Default Re: auto accident being used against my bike insurance

Originally Posted by joewg3
Why would you think that there would be a difference? If you get a DUI riding your bike I suppose it shouldn't couldn't count against your car insurance either, right?

Anything insurance related goes into a national database that tracks your insurance related activity and you get points against you.
So, I was wondering: If you get a ticket while operating a boat, will that going on your drivers license? Seems it wouldn't, but then again it is driving...of a sort. thanks.

ganocafe
Seat Covers
 
Reply



All times are GMT -5. The time now is 11:48 PM.

story-0
Jason Momoa Is Turning Classic Harleys Into PHEVs

Slideshow: Jason Momoa's latest restoration project blends 1920s Harley-Davidsons with modern electric technology, creating some of the most unusual hybrid motorcycles ever built.

By Verdad Gallardo | 2026-06-10 17:18:58


VIEW MORE
story-1
Harley-Davidson Fat Boy Becomes a Dark, Decepticon-Inspired Custom

Slideshow: Killer Custom's latest build relies on styling changes rather than performance upgrades, giving the cruiser an entirely different personality.

By Verdad Gallardo | 2026-06-03 18:28:05


VIEW MORE
story-2
6 Weirdest Harley-Davidsons Ever Sold to the Public

Slideshow: From military-inspired singles to scooters and three-wheel utility vehicles, these Harleys took the company far outside its comfort zone.

By Verdad Gallardo | 2026-06-02 18:34:10


VIEW MORE
story-3
7 Times Harley-Davidson Chucked Tradition Out the Window

Slideshow: Harley-Davidson built its reputation on nostalgia, but every so often, the company took a hard left turn into the future.

By Verdad Gallardo | 2026-05-20 11:18:19


VIEW MORE
story-4
7 Surprising Harley-Davidson Products that Are Not Motorcycles

Slideshow: The bar-and-shield logo shows up on far more than motorcycles, some of the company's most unexpected products have nothing to do with riding.

By Verdad Gallardo | 2026-04-29 16:50:35


VIEW MORE
story-5
8 Best Harley-Davidson Motorcycles Ever

Slideshow: Not every Harley gets it right, but these are the ones that genuinely earned their reputation.

By Pouria Savadkouei | 2026-04-15 14:23:21


VIEW MORE
story-6
10 Worst Harley-Davidson Motorcycles Ever

Slideshow: From the troubled AMF years to modern misfires, these bikes earned reputations for reliability issues, questionable engineering, or disappointing performance.

By Pouria Savadkouei | 2026-04-01 20:01:09


VIEW MORE
story-7
Killer Custom's Jail Break Is The Breakout That Refused to Blend In

Slideshow: Killer Custom's "Jail Breaker" build focuses more on stance and visual aggression than mechanical overhaul.

By Verdad Gallardo | 2026-03-18 19:20:32


VIEW MORE
story-8
Crazy Bunderbike Build Looks Amazing, But Is It Impossible to Ride?

Slideshow: The Swiss custom shop has taken a Harley Softail and stretched it into something so long and low that it looks closer to a rolling sculpture than a conventional motorcycle.

By Verdad Gallardo | 2026-03-07 16:15:30


VIEW MORE
story-9
Harley-Davidson Reveals Super Cool Cafe Racer Concept

Slideshow: Harley-Davidson's new RMCR concept revives the café racer formula with modern hardware-and it may be exactly the reset the company needs.

By Verdad Gallardo | 2026-03-04 12:23:37


VIEW MORE