0.2 or 1M liability?

also, Im not going to tell the online world my riding history with or without insurance. but suffice to say that soon enough it will be the only option for all of us on supersports and Im ready for that.
riding a supersport is hardly a "necessity"... i doubt you're going to get any sympathy for this

riding w/o insurance means... you won't stop for the police, even you're rear-ended — you're going to run.

you're adding unnecessary stress and pressure, why not spend your money on the track rather than endangering other drivers on the road?
 
The house fire is the dumbest comment yet..... you may not be in your house when it catches fire. That a compleatly different scenario and a dumb apples to oranges comparison. Tool.

also, Im not going to tell the online world my riding history with or without insurance. but suffice to say that soon enough it will be the only option for all of us on supersports and Im ready for that.

But im done with this thread. It was fun for a moment but now its old. Enjoy yourselves.

All that talk about making good money and you cant afford a few bucks huh? Lol
 
Please read where I said its about the princepal of it. I can afford it, I choose to keep my money instead of wasting it at in the insurance companys pocket. and who would be put at risk if I ride with out insurance? you realize you pay for the risk of uninsured drivers. therefor, your covered for that possibility.

Also, Yes you dont HAVE TO HAVE a SS, but who the **** is the government to decide I cant have one? free people my ***...... Go ahead sheeple, when statefarm stops covering them in two years, and TD either is too high to afford no matter who you are, or they stop as well go get your fazer and be happy.... Ill keep my SS and risk it. Now move on people and continue being free and enjoying all the things your alowed to do in your close minded free worlds.
 
If you cause 200k + in damages YOU WILL MORE THAN LIKELY BE DEAD

I think your underestimating how expensive medical costs can be. If your talking about property damage then yea sure. But medically it would well within the realm of possibility that a minor accident for you could result in a huge medical bill for someone else.
 
I think your underestimating how expensive medical costs can be. If your talking about property damage then yea sure. But medically it would well within the realm of possibility that a minor accident for you could result in a huge medical bill for someone else.

Dude sounds about twelve years old...

Actually scratch that, ive met twelve year olds with more common sense....
 
Wow, this is pathetic...

I only have one comment and it's on the whole State Farm thing... Another company will be coming in to insure SS bikes. TD will not be the "only one in two years from now". To not ride with insurance is ludicrous. Let's not wish bad things upon "Kyle" such as getting hit by a "Land Rover" either. This is a fellow biker, yes his ideas are outlandish but not everyone can agree on everything someone says. If he chooses to live with risk, it will not be us that pays the consequences (unless we are the ones getting hit, of course).
 
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Please read where I said its about the princepal of it. I can afford it, I choose to keep my money instead of wasting it at in the insurance companys pocket. and who would be put at risk if I ride with out insurance? you realize you pay for the risk of uninsured drivers. therefor, your covered for that possibility.

Also, Yes you dont HAVE TO HAVE a SS, but who the **** is the government to decide I cant have one? free people my ***...... Go ahead sheeple, when statefarm stops covering them in two years, and TD either is too high to afford no matter who you are, or they stop as well go get your fazer and be happy.... Ill keep my SS and risk it. Now move on people and continue being free and enjoying all the things your alowed to do in your close minded free worlds.


Ive had an SS since 17, i now pay $900 for a litre bike, i'm just fine with my 1M coverage.
 
Ive had an SS since 17, i now pay $900 for a litre bike, i'm just fine with my 1M coverage.

That's nice. You should know that insurance rates have *FAR* outpaced inflation, and what you paid when you were 17 is likely the equivalent of maybe a tiny bit more than you're paying right now.
 
Please read where I said its about the princepal of it. I can afford it, I choose to keep my money instead of wasting it at in the insurance companys pocket. and who would be put at risk if I ride with out insurance? you realize you pay for the risk of uninsured drivers. therefor, your covered for that possibility.

Also, Yes you dont HAVE TO HAVE a SS, but who the **** is the government to decide I cant have one? free people my ***...... Go ahead sheeple, when statefarm stops covering them in two years, and TD either is too high to afford no matter who you are, or they stop as well go get your fazer and be happy.... Ill keep my SS and risk it. Now move on people and continue being free and enjoying all the things your alowed to do in your close minded free worlds.

We would ALL be "at risk" if you ride without insurance. If you hit something then yes $200,000 is MORE than enough liability. If you hit SOMEONE, it is not going to be nearly enough, (unless your riding your SS at 10 km per hour)..lol I can be just as outlandish as you can. But seriously how are we ALL effected. in a crash it is likely your going to get hurt. Well seeing that your advocating riding dirty, then WHO do you think pays for your medical treatments?? That is right we ALL do, through our taxes. So yes YOU are a self entitled foolish person who CLAIMS to have all this money but then turns around as says for $10 bucks a month it is worth it for you. Then you say riding dirty will soon your only option. NO THAT IS WRONG there ARE other options:

1. Sell your bike and STOP putting others at risk because you FEEL ENTITLED to ride an SS, this is not a basic human right it is a WANT plan and simple. The Gov't or the insurers aren't "telling you that you can't ride an SS", they are telling you that
for that right you must be willing to pay. IF the Gov't were "telling you you can't have an SS" then they would simply outlaw them and THEN you would have a valid point. Just as a person who CHOOSES to drive a Ferrari "pays for that privilege" over driving a mid sized family vehicle.
2. Ride dirty BUT make a point, Call the police tell them exactly where you will meet them on your bike without insurance, then go on every media outlet to explain your position is in protest of high insurance rates. This is having CONVICTION in your position, (willing to accept the consequences of ones actions, something which is "apparently" lost on you). Pay the fine and accept the consequences, who knows you "MIGHT" get a sympathetic crown and sympathetic JP, but I wouldn't count on it. Then of course the public "might" support your right to rip around the streets on an SS without insurance. BUT, I also won't be counting on that one either...lol
3. Come to the realization that you "CHOOSE" to ride a specific class of vehicle and for that you WILL pay more, than someone who chooses to drive a different class of vehicle. As such the difference between $200,000 and $1 million is insignificant, but if you choose to accept the risk that is your call, and your right. Riding dirty is NEITHER.
 
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Playing the odds

Kyle and a few others don't care about the victims but what are the odds of needing more than $200K liability? For this purpose let's ignore social responsibility. Insurance is all about the odds. That's how they make their money.

What percent of accidents result in claims of over $200K? Let's say one in a thousand. If you had an accident every year you would on the average, have a $200K + claim every thousand years.

Why is extra coverage relatively inexpensive? Because the insurers rarely have to pay out.

Why do I and many others go for higher limits? Basically it's because we're afraid of the boogie man. What if, what if, what if.

What if no one had more than $100K? Maybe there wouldn't be such a tempting pot for the fraud artists.

If your bike gets stolen and you don't have full coverage you are out the value of the bike less the deductable. If the bike is worth $7K and the deductable is $1K you are out the $6K. If you park in a secure garage and never leave your ugly bike out of your sight what are your chances of having it stolen? What are the odds and what is the full coverage premium? Do the math.

While I will still continue to carry extra liability I am getting really peeved with the insurance BS. They can quote statistics up to their armpits when they want to justify rates. They can bring up examples of horrifying debt figures. Ask them for hard cold trustworthy facts or percentages that would allow people to make prudent decisions and suddenly they have amnesia.
 
Playing the odds

Kyle and a few others don't care about the victims but what are the odds of needing more than $200K liability? For this purpose let's ignore social responsibility. Insurance is all about the odds. That's how they make their money.

What percent of accidents result in claims of over $200K? Let's say one in a thousand. If you had an accident every year you would on the average, have a $200K + claim every thousand years.

Why is extra coverage relatively inexpensive? Because the insurers rarely have to pay out.

Why do I and many others go for higher limits? Basically it's because we're afraid of the boogie man. What if, what if, what if.

What if no one had more than $100K? Maybe there wouldn't be such a tempting pot for the fraud artists.

If your bike gets stolen and you don't have full coverage you are out the value of the bike less the deductable. If the bike is worth $7K and the deductable is $1K you are out the $6K. If you park in a secure garage and never leave your ugly bike out of your sight what are your chances of having it stolen? What are the odds and what is the full coverage premium? Do the math.

While I will still continue to carry extra liability I am getting really peeved with the insurance BS. They can quote statistics up to their armpits when they want to justify rates. They can bring up examples of horrifying debt figures. Ask them for hard cold trustworthy facts or percentages that would allow people to make prudent decisions and suddenly they have amnesia.

In fairness, the majority of your premium is the 'accident benefits' portion. That's what pays for your medical care in the event of an accident (not the other party). So we have a "public" healthcare system, and that's why we have helmet laws, yet we have our own personal health insurance policies! Not only that, for young riders, those policies alone cost *more* than a health insurance policy in the USA. I'll take private healthcare over this scam.
 
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