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It's good to note that Collision is also the coverage that's used when you can't identify who the at fault party is. This is particularly useful with bikes, as there are a higher number of incidences of hit and runs.

A policy is issued as of the effective date. The insurer underwrites the policy based on the information at that moment in time.

I've disabled the PM feature on my account, I don't check here enough for it to be a quick and reliable way for you to get the info you need. Certainly feel free to email me at asingh@csib.org and I'll do what I can to get your questions answered.

If you're over 30, a Jevco broker will be able to help you out.

Thank you. I'm still at Cornerstone, but I'm selling Commercial Coverages Exclusively. My main focus is now medium to large sized businesses.

The BMW S1000rr has been added to the sportbike surcharge list.

Property insurance policies specifically exclude vehicles (motorcycles or automobiles) from coverage.

Numerous people on this board have had they're claims paid by the same company. Why were they cancelling the policy?

I don't know of any in Ontario...

Not on the auto. Jevco's auto rates are Kingsway's. As I said to you earlier, time is the only thing that is going to help your premiums at this point. Once your record is blemished, only time can clear it.

Jevco would be a good market for your auto policy. Alternatives to Jevco would also be Pilot, Pafco or Perth, all of which are non standard companies, but also not facility as well.

Underwriters usually have their hands tied as well, as they can't rate for a not at fault claim, nor can they deny someone who happens to have one every year.

I'm curious. Do claims adjusters look at a claimant's past claims history? I was reading an autoplus report yesterday for someone, and over the last 4 years, they've had 4 not at fault losses with increasing AB payouts (totalling over $100k). The payouts on the vehicle were minimal (I think $405...

I would venture a guess, that politics plays a bit of a role in this as well. The application form is written and legislated by the province. It asks for the date first licensed in Canada or the US. I find it strange that a person from Russia gets 0 years credit while an individual from...

Be sure that who you're dealing with is Legit. For more information see my thread here. http://www.gtamotorcycle.com/vbforum/showthread.php?t=84841 Avi

You'd have to ask them. It's their program.

AB rates are different based on the driver and the vehicle combination. The bike is licensed year round. You don't have a sticker for friday evening between 6-9 pm only. The bike is licensed fully and it needs to be insured as such. There is no way to know for sure when you'll be using what...

No. If your bike is in a parking lot and falls over onto a car next to it, you're liable. Both parked vehicles, both unoperated. Look at your billing, the Liability premiums are relatively low. It's the Accident Benefits section that usually drives the most premium.

So you mean if I buy a second property, I'd have to pay gas, hydro and taxes on it in full? Even though I can only live in one house at the same time?

Might I suggest reading the thread for starters. Viffer has explained most of this already (and very well). 1. Write offs are settled on an actual cash value basis. Meaning they determine what the vehicle is worth and pay it. They can't afford to lowball you, and drag a claim on for months...