does anyone have collision on their motorcycle policy ? | GTAMotorcycle.com

does anyone have collision on their motorcycle policy ?

ravensix

ravensix

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I just got my policy in the mail and I was reading through it, seems I didn't get collision on my bike.

Is this typical for motorcycle insurance to have everything else but collision? could this be the reason why my rate is some what low? Should I tell them to add collision? or just leave it without?
 
Should have been your choice whether to get collision or not. I've got collision on mine and the collision portion was quite small, at least for my bike. The accident benefit is about 80% of my premium.
 
I don't have collision on mine. Its got 64k plus a 10yr old bike. I'll just get a new one if anything happens
 
Collision is if I crash my bike. insurance will pay it? is that what happens?

If I dont have collision and someone crashes into me, am I covered still?
 
Collision is if you run into someone or something that wrecks the bike and you need to submit a claim to have it replaced. Intangible frame sliders.
 
If someone smashes into my bike and I need to submit a claim to have it replaced, since I dont have collision. I cant submit the claim to have it replaced?
 
ravensix said:
If someone smashes into my bike and I need to submit a claim to have it replaced, since I dont have collision. I cant submit the claim to have it replaced?
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You get their insurance information and then go to a collision centre where you submit a report then they assess it and deem who was a fault and submit the information to your insurance company.
 
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I believe if you opt not to have collision, you have no coverage for ANY type of crash, no matter who is at fault. (Someone correct me if I'm wrong). If that $6500 represents a significant cash investment to you, I'd call my agent and find out the cost of adding collision. If the bike gets wrecked it's not fun being left with nothing.
When I was 18 someone stole my suzuki gs400e, I had no fire/theft because it was $40/year extra. Lol I almost cried when I realized my bike was gone and that was the end of it. I had saved for a long time to buy that bike.
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The way it was explained to me is WITH collision if you spin out and total your vehicle, you can pay the deductible and they will pay to fix or new. WITHOUT collision if you spin out and total your vehicle you get ZERO from your insurance company.

Iceman. That is totally false. If it's not your fault, then the person at fault's insurance will pay.
 
Yah, wen the agent told me I dont have collision. She pretty much said " if you drop your bike or fall with it, or crash into something/someone. You are not covered."
 
So what's the answer to ravensx' posts #7 and #9?

Assume accident is not ravensx' fault at all.

Does ravensx get paid for the collision damage or not?
 
In a someone-else's-fault situation, there's a difference that I'm encountering right now with my car, which is an older model that I don't have collision on.

If you have full coverage, they take the car in right away and get it fixed, and sort out who's responsible in parallel. They know they have to pay to fix it anyhow.

If you only have collision and it's a minor one (car driveable), you have to wait until they approve coverage. Coming up on 2 weeks for that to get figured out ...
 
ravensix said:
If I dont have collision and someone crashes into me, am I covered still?
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Yes. But it may take longer to approve the claim since they have to formally establish responsibility for the collision first. (everyone has to fill out the reporting forms, everyone has to agree on what happened, etc.)

ravensix said:
If someone smashes into my bike and I need to submit a claim to have it replaced, since I dont have collision. I cant submit the claim to have it replaced?
Click to expand...

Assuming you know who "someone" was (i.e. it wasn't a left-scene-of-collision), if you are in a someone-else's-fault collision, everyone fills out the collision reporting forms (or the police issue a report, if they were involved on scene), you submit the claim to your insurance company referencing the police or collision-report form, everyone agrees on what happened, your insurance company pays to repair your vehicle. The insurance companies sort it out between themselves later.
 
Cool, thanks for clearing that up for me. I hope I never have to find out any of this in the first place lol and never have to use it!
 
Collision is worth it.

We got stiffed on the CBR125 when it was backed into and knocked over. Said since it was a hit and run Liability only doesn't cover it.
 
Given your bike is "worth" $6500, then collision and what you are going to pay yearly for it is well worth it. Let's say a cager turns left in front of you. rather than hit the vehicle you lay the bike down. It now changes from a two vehicle collision to a single vehicle collision. seeing it is a single vehicle the insurance company almost ALWAYS lists this as an at fault accident. Therefore your coverage doesn't kick in and if it totals the bike, now your left with nothing, to ride nor do you get any settlement to replace the bike.

As for the "go to a collision centre where you submit a report then they assess it and deem who was a fault and submit the information to your insurance company".

This statement is incorrect the collision reporting centers do NOT ***** fault, (for the purposes of insurance). They "may" decide who gets charged with what. But ONLY the insurer can assess "at fault" based on the FDR, (Fault Determination Regulations/rules). It is your insurer who will determine your level of fault NOT the collision reporting center. Also Collision reporting centers don't "submit the information to your insurance company". The insurer must request a copy of the police report and pay for it.
 
Without Collision: If you are at fault you fix it out of your pocket. If you are not at fault your insurance will repair replace (market value) and you will not pay any deductible..

With collision coverage: If you are at fault you will pay deductible and your insurer will pay to fix or replace (market value). If you are not at fault your insurer will pay to fix or replace (market value) and you will not pay deductible.

The other party's insurance does not pay your claim this is no fault insurance in Ontario all monies will come from your insurer not theirs!
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