Insurance

Discussion in 'General Harley Davidson Topic' started by mydeluxe, Mar 29, 2010.

  1. mydeluxe

    mydeluxe Member

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    What do you think...Is there any reason you need collision insurance on you bike if you on it? For me this is like and extra 400 a year more, on a 12k investment...My thoughts are you collect on the collision and you probably what be riding anymore.
     
  2. sprinklerfitter669

    sprinklerfitter669 Junior Member

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    I took full coverage with full tort, also i am covered for what ever happens, even if the bike falls over in my garage with nobody around. Also my insuranse will cover up to $3000. on top of the value for add ons.
    My insurance is through Progressive. and i pay about $375
     
  3. xlcruser

    xlcruser Active Member

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    I've got full coverage on mine as well. It's more for what happens to it when I'm not on it worries me. Theft, fire, freekin tornado's... If it gets totaled while I'm on it that won't be my fault, I'm pretty careful. It's usually the cagers that kill you, or at the very least total your scoot. There insurance will pay for it then.
     
  4. dbinbc

    dbinbc Active Member

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    The rules seem to be different all over the place but generally speaking there is other coverages that are included with collision. Also, if your bike gets nailed by an uninsured driver you are covered. If your bike gets nailed by an insured driver who's insurer doesn't want to pay up and you don't have collision, your insurance company might not have a whole lot of incentive to work on your behalf.
     
  5. Backroad Rider

    Backroad Rider Active Member

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    I carry full coverage, not due to accident so much as what happens when I'm not around also, as I prefer to ride most days without a helmet, medical insurance is a requirement in Florida. (Yeah, I know riding w/o a helmet ain't the brightest idea) figured I'd admit it before others told me
     
    Last edited: Mar 29, 2010
  6. Jack Klarich

    Jack Klarich Expert Member

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    Full coverage here, and I dont wear a lid Im sure Ill take a hit for that statement
     
  7. ultrat

    ultrat Senior Member Contributor

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    Formost insc. full cov. full replacement. 100=300=300k 09 ultra 500 ded,..400.00 year
     
  8. biscuit

    biscuit Junior Member

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    Dont really know or understand all your U.S insurance options,but i insure my Deluxe for an agreed value of $38,000 AUD for $648 AUD.It's actually LOWER than last years' premium,and that's for full and total coverage.
     
  9. r44s

    r44s Member

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    If I didn't have to wear a hat I wouldn't. Progressive ins works for me.
     
  10. Mattman4403

    Mattman4403 Junior Member

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    Carry the insurance you want. Understand what the coverage is for, make a decision that protects you. If you live in a bigger city, you are going to pay more. Ultimately, you do get what you pay for.