@lx125man avatar
UTC

Molto Verboso
Vespa LX 125
Joined: UTC
Posts: 1204
Location: UK
 
Molto Verboso
@lx125man avatar
Vespa LX 125
Joined: UTC
Posts: 1204
Location: UK
UTC quote
I paid just over £200 for the year fully comprehensive inc helmet/leathers and RAC cover!

Been driving for 10 years but this is my first bike!

Thought that was pretty good but hope I never have to call them to use it.
@davelx avatar
UTC

Molto Verboso
2016 Piaggio BV-350
Joined: UTC
Posts: 1879
Location: Virginia, USA, from London, England
 
Molto Verboso
@davelx avatar
2016 Piaggio BV-350
Joined: UTC
Posts: 1879
Location: Virginia, USA, from London, England
UTC quote
Madison Sully wrote:
Something to be thankful for, with age comes affordable insurance.
Yay.
I know. I could barely contain my excitement at this revelation.
@davidcha avatar
UTC

Addicted
2011 GTS 300 Super
Joined: UTC
Posts: 852
Location: Marrowstone Island, WA
 
Addicted
@davidcha avatar
2011 GTS 300 Super
Joined: UTC
Posts: 852
Location: Marrowstone Island, WA
UTC quote
This topic perked my interest...so I started looking into my insurance and also the required coverage in Washington State. Surprise, surprise - it turns out that insurance is optional for motorcycles here! That just seems nonsensical to me. Wha? emoticon

This doesn't mean motorcycle owners are free of liability. Motorcycle owners may be exempt from mandatory insurance, but they are not exempt from our state's financial responsibility laws that make all drivers and riders liable for damage they cause. I just wonder how many uninsured riders have the financial ability to do this... Nerd emoticon

Don't believe me? Then check it out:
http://www.dol.wa.gov/driverslicense/insurance.html

(excerpt)
"You don't need to have insurance when you operate a vehicle registered as any of the following:
Motorcycle. (RCW 46.04.330)
Motor-driven cycle. (RCW 46.04.332)
Moped. (RCW 46.04.304)
Horseless carriage over 40 years old (RCW 46.18.255)
State or publicly-owned vehicle. (RCW 46.16.020)"
OP
@vyatka avatar
UTC

Molto Verboso
'61 GS150Cushman '63 GS160, '74 Primavera, '77 Rally 200,'80 P200E '05 PX150,'13 946,'64 Vyatka VP150,'77 Vyatka-Elektron,'07 GTS250, '63Tula200M
Joined: UTC
Posts: 1127
 
Molto Verboso
@vyatka avatar
'61 GS150Cushman '63 GS160, '74 Primavera, '77 Rally 200,'80 P200E '05 PX150,'13 946,'64 Vyatka VP150,'77 Vyatka-Elektron,'07 GTS250, '63Tula200M
Joined: UTC
Posts: 1127
UTC quote
davidcha wrote:
This topic perked my interest...so I started looking into my insurance and also the required coverage in Washington State. Surprise, surprise - it turns out that insurance is optional for motorcycles here! That just seems nonsensical to me. Wha? emoticon

This doesn't mean motorcycle owners are free of liability. Motorcycle owners may be exempt from mandatory insurance, but they are not exempt from our state's financial responsibility laws that make all drivers and riders liable for damage they cause. I just wonder how many uninsured riders have the financial ability to do this... Nerd emoticon

Don't believe me? Then check it out:
http://www.dol.wa.gov/driverslicense/insurance.html

(excerpt)
"You don't need to have insurance when you operate a vehicle registered as any of the following:
Motorcycle. (RCW 46.04.330)
Motor-driven cycle. (RCW 46.04.332)
Moped. (RCW 46.04.304)
Horseless carriage over 40 years old (RCW 46.18.255)
State or publicly-owned vehicle. (RCW 46.16.020)"
I like the last line most
@cyberlizard avatar
UTC

Addicted
2001 ET4 190cc
Joined: UTC
Posts: 816
Location: Sanford, FL
 
Addicted
@cyberlizard avatar
2001 ET4 190cc
Joined: UTC
Posts: 816
Location: Sanford, FL
UTC quote
I despise dealing with insurance companies. I'm a smart guy but the terminologies and Byzantine rules just confuse the hell out of me.

Here's my coverage:
Forum member supplied image with no explanatory text
@nightwing avatar
UTC

Contributor
2007 LX 150 (memories)
Joined: UTC
Posts: 8568
Location: New Hampshire
 
Contributor
@nightwing avatar
2007 LX 150 (memories)
Joined: UTC
Posts: 8568
Location: New Hampshire
UTC quote
Looks a bit light to me. That 10K bodily injury would get sucked up quickly if you hit someone and they ended up taking an ambulance ride to the ER.
@gogogordy avatar
UTC

Veni, Vidi, Posti
Reprehensible Misinformant
Joined: UTC
Posts: 7575
Location: Winchester, California
 
Veni, Vidi, Posti
@gogogordy avatar
Reprehensible Misinformant
Joined: UTC
Posts: 7575
Location: Winchester, California
UTC quote
CyberLizard wrote:
I despise dealing with insurance companies. I'm a smart guy but the terminologies and Byzantine rules just confuse the hell out of me.

Here's my coverage:
No un/underinsured? A major design flaw in that policy IMO.
@jsunstar avatar
UTC

Addicted
07 GT200, Flip flops
Joined: UTC
Posts: 534
Location: Cayo Hueso: an Island at the end of the road
 
Addicted
@jsunstar avatar
07 GT200, Flip flops
Joined: UTC
Posts: 534
Location: Cayo Hueso: an Island at the end of the road
UTC quote
progressive wont sell me full coverage on a 79 p200.
so the full boat of liability cost me 70$ here in florida.

my 2001 buell 1200cc had the highest full coverage i could buy for around 425.00 a year in Pennsylvania.
ive been with progressive for around 20 years. they give nice discounts for being a long term and accident free customer...
@caschnd1 avatar
UTC

Grumpy Biker
1980 Vespa P200e (sold), 2002 Vespa ET4 (sold), 1949 Harley-Davidson FL
Joined: UTC
Posts: 5454
Location: Sparks, Nevada, USA
 
Grumpy Biker
@caschnd1 avatar
1980 Vespa P200e (sold), 2002 Vespa ET4 (sold), 1949 Harley-Davidson FL
Joined: UTC
Posts: 5454
Location: Sparks, Nevada, USA
UTC quote
The 10/20/10 coverage may be fine in some circumstances, but not in mine. With only $10K of property damage liability coverage, what happens if you are at fault and hit someone's $90K Mercedes (there are a lot of those on the road in this area). You will exceed your $10K of coverage really quick. The other driver probably won't care because he/she likely has un/under-insured coverage. But his insurance company will come after you and try to recover the damage above your $10K coverage. If you have savings or property, they will be able to recover from you. If you don't have much, than maybe $10K of coverage will work. You have to ask yourself, "How much am I willing to pay out of my own pocket?".

-Craig
@dooglas avatar
UTC

Veni, Vidi, Posti
GTS 300ABS, Buddy 125, Buddy Kick 125
Joined: UTC
Posts: 13411
Location: Oregon City, OR
 
Veni, Vidi, Posti
@dooglas avatar
GTS 300ABS, Buddy 125, Buddy Kick 125
Joined: UTC
Posts: 13411
Location: Oregon City, OR
UTC quote
davidcha wrote:
This topic perked my interest...so I started looking into my insurance and also the required coverage in Washington State. Surprise, surprise - it turns out that insurance is optional for motorcycles here! That just seems nonsensical to me.
One of the good reasons to have uninsured/underinsured coverage. It is shocking how many drivers go around with no insurance or the absolute minimum requirement. When they hit you on your bike - bingo, their coverage (if any) is quickly used up and you have many more medical bills to pay.
@maniac avatar
UTC

Hooked
2013 GTV 300 IE
Joined: UTC
Posts: 391
Location: Sacramento, CA
 
Hooked
@maniac avatar
2013 GTV 300 IE
Joined: UTC
Posts: 391
Location: Sacramento, CA
UTC quote
California Insurance
Looking for a better deal on Insurance here in California....
Can anyone from here recommend ?

Maniac
UTC

Enthusiast
2018 Vespa GTS 300 Super
Joined: UTC
Posts: 67
Location: Phoenix
 
Enthusiast
2018 Vespa GTS 300 Super
Joined: UTC
Posts: 67
Location: Phoenix
UTC quote
Here's mine through Progressive. It's the only policy I have through them as my house and cars are through Ameriprise. Ameriprise does not insure motorcycles, hence why I went Progressive.
Forum member supplied image with no explanatory text
@nightwing avatar
UTC

Contributor
2007 LX 150 (memories)
Joined: UTC
Posts: 8568
Location: New Hampshire
 
Contributor
@nightwing avatar
2007 LX 150 (memories)
Joined: UTC
Posts: 8568
Location: New Hampshire
UTC quote
An important thing to remember is that the medical payments do not cover the operator. Operator coverage requires a rider on the policy.
@binkiewinkie avatar
UTC

Hooked
Vespa GTS 300 SUPER
Joined: UTC
Posts: 122
Location: South Florida
 
Hooked
@binkiewinkie avatar
Vespa GTS 300 SUPER
Joined: UTC
Posts: 122
Location: South Florida
UTC quote
When I was with Nationwide it was well over $300.00 a year.
Now that I switched to State Farm it is $12.00 a month for same full coverage.
oh and in the winter it is only$2.00 a month for only damages and theft, since i am not driving her.
@cyberlizard avatar
UTC

Addicted
2001 ET4 190cc
Joined: UTC
Posts: 816
Location: Sanford, FL
 
Addicted
@cyberlizard avatar
2001 ET4 190cc
Joined: UTC
Posts: 816
Location: Sanford, FL
UTC quote
NightWing wrote:
An important thing to remember is that the medical payments do not cover the operator. Operator coverage requires a rider on the policy.
Yeah, I don't have medical coverage on my bike insurance. Fortunately my health insurance covers me.
@fullthrottle avatar
UTC

Hooked
2008 Vespa Granturismo 200L. 2005 Piaggio BV200.
Joined: UTC
Posts: 112
Location: Philadelphia, PA
 
Hooked
@fullthrottle avatar
2008 Vespa Granturismo 200L. 2005 Piaggio BV200.
Joined: UTC
Posts: 112
Location: Philadelphia, PA
UTC quote
I insure 3 motorcycles and 3 scooters all with Progressive. I get every discount possible that they can apply. I haven't checked other insurance carriers to see if I can get a better deal because their customer service is so excellent, I've stayed with them the whole time.

-fullthrottle
Philadelphia, PA.
@scooterist avatar
UTC

Molto Verboso
71' Sprint Veloce , 05' Vespa PX150, 1978 P200E
Joined: UTC
Posts: 1558
Location: Tucson, AZ
 
Molto Verboso
@scooterist avatar
71' Sprint Veloce , 05' Vespa PX150, 1978 P200E
Joined: UTC
Posts: 1558
Location: Tucson, AZ
UTC quote
I just renewed my policy today after adding the Lambretta that I added to my policy, here are my facts:

Age: 41
Motorcycle endorsement since 1990
Insurance company : progressive
Annual premium for all 4 scooters per year(all combined) : $119
Coverage: Liability only with road assistance
Scooters: 63 Lambretta, 71 Vespa Sprint, 79 Vespa P200E, 2005 Vespa PX 150
State: Arizona

In my own words, I have a bargain!
@nightwing avatar
UTC

Contributor
2007 LX 150 (memories)
Joined: UTC
Posts: 8568
Location: New Hampshire
 
Contributor
@nightwing avatar
2007 LX 150 (memories)
Joined: UTC
Posts: 8568
Location: New Hampshire
UTC quote
You didn't mention your limits of liability. It may not be a bargain.
@aviator47 avatar
UTC

Moderator
2006 PX 150 & Malossi Kitted Malaguti Yesterday (Wife's)
Joined: UTC
Posts: 12955
Location: Paros Island, Greece
 
Moderator
@aviator47 avatar
2006 PX 150 & Malossi Kitted Malaguti Yesterday (Wife's)
Joined: UTC
Posts: 12955
Location: Paros Island, Greece
UTC quote
caschnd1 wrote:
But his insurance company will come after you and try to recover the damage above your $10K coverage.-Craig
They come after you on all kinds of liability issues, to include someone's health insurer filing against your homeowner's policy for an injury on your property.

When we moved to Greece, I discussed the liability coverage they recommended for our homeowner policy. The rep asked if any Americans would be visiting us, as that would influence the recommendation upwards by a factor of 4. I said it would be family and friends, who I doubted would sue me if they fell down the stairs. She said, it's not the victim you need to worry about, but their insurance carrier. Wasn't a significant amount of money more, but quite an eye opener.
@emilym100 avatar
UTC

Hooked
Black Vespa ET4 125cc - 2000: 'Sergio' (Retired), Red Vespa GTS Super 125cc - 2013: 'No name yet' (current)
Joined: UTC
Posts: 135
Location: Lancashire, UK.
 
Hooked
@emilym100 avatar
Black Vespa ET4 125cc - 2000: 'Sergio' (Retired), Red Vespa GTS Super 125cc - 2013: 'No name yet' (current)
Joined: UTC
Posts: 135
Location: Lancashire, UK.
UTC quote
UK
Brand new 2013 125cc gts super
Fully comp
1 year no claims
21 yr old rider

£664 for the year with a £700 excess.
@davelx avatar
UTC

Molto Verboso
2016 Piaggio BV-350
Joined: UTC
Posts: 1879
Location: Virginia, USA, from London, England
 
Molto Verboso
@davelx avatar
2016 Piaggio BV-350
Joined: UTC
Posts: 1879
Location: Virginia, USA, from London, England
UTC quote
Emilym100 wrote:
UK
Brand new 2013 125cc gts super
Fully comp
1 year no claims
21 yr old rider

£664 for the year with a £700 excess.
Having seen your other thread, I was just about to ask how much was the insurance.....!
@allstrangeaway avatar
UTC

Hooked
ET4 ('02), 946 ('13)
Joined: UTC
Posts: 101
Location: SF Bay Area
 
Hooked
@allstrangeaway avatar
ET4 ('02), 946 ('13)
Joined: UTC
Posts: 101
Location: SF Bay Area
UTC quote
Im paying approx 240$ with geico for my et4 and 946
Not sure the breakdown exactly.
Also, no points, tickets, or accidents on record.
@t5bitza69 avatar
UTC

Veni, Vidi, Posti
T5s
Joined: UTC
Posts: 17005
Location: The West Of Yorkshire ... Gods Country
 
Veni, Vidi, Posti
@t5bitza69 avatar
T5s
Joined: UTC
Posts: 17005
Location: The West Of Yorkshire ... Gods Country
UTC quote
too much
a fortune .... its due to where i live n how its declined .... its doubled since last year n it wasnt cheap then [well over 150] ... also the amount of scoots ive had stolen ... n i add on breakdown n legal cover .... cant grumble though as i like riding n i need it so hey ho
UTC

Addicted
'09 Yamaha Zuma(sold), '06 Kymco People 250(sold), '08 Aprilia Scarabeo 500ie, '09 Buddy Italia, '06 Buddy
Joined: UTC
Posts: 904
Location: Denver
 
Addicted
'09 Yamaha Zuma(sold), '06 Kymco People 250(sold), '08 Aprilia Scarabeo 500ie, '09 Buddy Italia, '06 Buddy
Joined: UTC
Posts: 904
Location: Denver
UTC quote
We pay just under $400 for 4 scoots, full coverage, $150 deductible.

Of course 1 of them is a 500cc, so that ran us an extra $40 for the year.

the 946 is also kind of a collector item, so I'd imagine they'll make you pay a bit more!
UTC

Addicted
'09 Yamaha Zuma(sold), '06 Kymco People 250(sold), '08 Aprilia Scarabeo 500ie, '09 Buddy Italia, '06 Buddy
Joined: UTC
Posts: 904
Location: Denver
 
Addicted
'09 Yamaha Zuma(sold), '06 Kymco People 250(sold), '08 Aprilia Scarabeo 500ie, '09 Buddy Italia, '06 Buddy
Joined: UTC
Posts: 904
Location: Denver
UTC quote
Emilym100 wrote:
UK
Brand new 2013 125cc gts super
Fully comp
1 year no claims
21 yr old rider

£664 for the year with a £700 excess.
I'm not going to complain anymore Razz emoticon.

not sure how it works across the pond but here at least once you're over 25 it declines sharply.
@lx125man avatar
UTC

Molto Verboso
Vespa LX 125
Joined: UTC
Posts: 1204
Location: UK
 
Molto Verboso
@lx125man avatar
Vespa LX 125
Joined: UTC
Posts: 1204
Location: UK
UTC quote
Emilym100 wrote:
UK
Brand new 2013 125cc gts super
Fully comp
1 year no claims
21 yr old rider

£664 for the year with a £700 excess.


Wow!!!
@emilym100 avatar
UTC

Hooked
Black Vespa ET4 125cc - 2000: 'Sergio' (Retired), Red Vespa GTS Super 125cc - 2013: 'No name yet' (current)
Joined: UTC
Posts: 135
Location: Lancashire, UK.
 
Hooked
@emilym100 avatar
Black Vespa ET4 125cc - 2000: 'Sergio' (Retired), Red Vespa GTS Super 125cc - 2013: 'No name yet' (current)
Joined: UTC
Posts: 135
Location: Lancashire, UK.
UTC quote
That's cheap for me! haha!

Yes it drops after 25 but I have 4 years to go yet!

I love riding, and a car would be double, maybe triple that. I'm happy
OP
@vyatka avatar
UTC

Molto Verboso
'61 GS150Cushman '63 GS160, '74 Primavera, '77 Rally 200,'80 P200E '05 PX150,'13 946,'64 Vyatka VP150,'77 Vyatka-Elektron,'07 GTS250, '63Tula200M
Joined: UTC
Posts: 1127
 
Molto Verboso
@vyatka avatar
'61 GS150Cushman '63 GS160, '74 Primavera, '77 Rally 200,'80 P200E '05 PX150,'13 946,'64 Vyatka VP150,'77 Vyatka-Elektron,'07 GTS250, '63Tula200M
Joined: UTC
Posts: 1127
UTC quote
skully93 wrote:
We pay just under $400 for 4 scoots, full coverage, $150 deductible.

Of course 1 of them is a 500cc, so that ran us an extra $40 for the year.

the 946 is also kind of a collector item, so I'd imagine they'll make you pay a bit more!
I have 74 primavera and 05 PX. The premiums for 946 equals premiums for both smallie and PX.
@jamesmcl avatar
UTC

Member
ET4 125
Joined: UTC
Posts: 30
Location: High Wycombe
 
Member
@jamesmcl avatar
ET4 125
Joined: UTC
Posts: 30
Location: High Wycombe
UTC quote
My 125 ET4 costs me £150 a year, I'm 23 and riding on a CBT. My old PX125 cost me £700 a year 1.5 years ago, I can only put the reason behind it being down to it being a manual!
@cary_alburn avatar
UTC

Hooked
LX150
Joined: UTC
Posts: 306
Location: Fort Collins, Colorado
 
Hooked
@cary_alburn avatar
LX150
Joined: UTC
Posts: 306
Location: Fort Collins, Colorado
UTC quote
Without going back to see who has what, there are several posters in this thread who are woefully under-insured. If you carry minimum (or no) insurance, you may very well be liable for a whole lot more than your insurance coverage in the event of an accident which is your fault. If you have other assets, they may be at risk. If you don't have other assets now, you may find yourself being garnished well into the future, making your future much less secure than you anticipated.

Also, if you have the option of uninsured/under-insured motorist coverage, get it. UIM is cheap, and it can make a huge difference, if the other motorist has insufficient coverage to compensate you. It is normally written in the same amounts that you have for your own liability. I represented a lady 2 years ago whose accident was 100% the fault of the other driver, who had only $25,000 liability coverage (Colorado's minimum). Her case was worth several times that. Fortunately she had UIM of $100,000. It was a fight (insurance companies hate to pay off to benefit their own insured), but we settled well.

I do not specialize in personal injury cases, but I've handled enough of them in the last 46 years to know that minimum coverage insurance is a huge mistake, a real case of being penny wise and pound foolish.

Cary
UTC

Addicted
'09 Yamaha Zuma(sold), '06 Kymco People 250(sold), '08 Aprilia Scarabeo 500ie, '09 Buddy Italia, '06 Buddy
Joined: UTC
Posts: 904
Location: Denver
 
Addicted
'09 Yamaha Zuma(sold), '06 Kymco People 250(sold), '08 Aprilia Scarabeo 500ie, '09 Buddy Italia, '06 Buddy
Joined: UTC
Posts: 904
Location: Denver
UTC quote
Cary Alburn wrote:
I do not specialize in personal injury cases, but I've handled enough of them in the last 46 years to know that minimum coverage insurance is a huge mistake, a real case of being penny wise and pound foolish.

Cary
Well, I hope I never have need of your services, but at least I know you're semi-local!
@drscooter avatar
UTC

Addicted
2007 GTS 250ie 2006 Ducati Monster S2R 803 2005 Sportster 883XL 2010 GTS 300ie
Joined: UTC
Posts: 586
Location: St.Louis, Missouri
 
Addicted
@drscooter avatar
2007 GTS 250ie 2006 Ducati Monster S2R 803 2005 Sportster 883XL 2010 GTS 300ie
Joined: UTC
Posts: 586
Location: St.Louis, Missouri
UTC quote
Now being old helps the Scoot is $95 and the Sportster is $119 for a total of
$212 now that I have acquired the Duc that will up the bill by $258 and will now be $470 Crying or Very sad emoticon

Although that is really pretty cheap Nerd emoticon Nerd emoticon
@rusty_rope avatar
UTC

Addicted
Vespa GTS 300 Super
Joined: UTC
Posts: 916
Location: London, UK
 
Addicted
@rusty_rope avatar
Vespa GTS 300 Super
Joined: UTC
Posts: 916
Location: London, UK
UTC quote
I'll play...

fully comp
21 years old
brand new 2013 fly
£800 ($1313.68) for the year (£66.60 per month - they charge more for paying monthly)
£750 ($1231.57) excess

kept in locked brick garage with anchor, reinforced cable and disk lock.

Not looking forward to renewing. My premiums will go up by a maximum of 10% because of a NON-FAULT accident. Although I will have 1 years no claim bonus and I've completed a bikesafe, so that should help.

By the way UK folks, Helmet and leather protection is balls. you have to pay an excess (Depends how much the gear is worth) and then the rest they recover from you when it comes to renewing. Just buy a new one out of your own pocket.
@tomjasz avatar
UTC

Grievance Farmer
Joined: UTC
Posts: 15921
 
Grievance Farmer
@tomjasz avatar
Joined: UTC
Posts: 15921
UTC quote
OK the grump says, this thread belongs in with the rest of the winter threads. Useless. There is no comparison unless we list, in USA, credit score, age, location, terms of coverage, which Ins company, and other pertinent vehicle coverage probably not appropriate for a public forum. Otherwise it's just a meaningless number. Thems the facts. I pay $100/year, my buddy in Madison pays $350.
@rusty_rope avatar
UTC

Addicted
Vespa GTS 300 Super
Joined: UTC
Posts: 916
Location: London, UK
 
Addicted
@rusty_rope avatar
Vespa GTS 300 Super
Joined: UTC
Posts: 916
Location: London, UK
UTC quote
Tom - I agree. Annual mileage, location, vehicle price, years riding, other driving licences/ type of motorcycle licence, fines/disqualifications, riding/driving qualifications, security, where the ride is kept over night, riders occupation, health cover, and many other factors contribute towards premiums.
@breaknwind avatar
UTC

Ossessionato
Red Devil SH150i (10,000)
Joined: UTC
Posts: 3255
Location: Orange Park Florida
 
Ossessionato
@breaknwind avatar
Red Devil SH150i (10,000)
Joined: UTC
Posts: 3255
Location: Orange Park Florida
UTC quote
I just read this on a website and thought I'd post it.
Florida's homestead laws protect an individual's home and all their equity from judgments and negligent drivers can avoid most or all of a judgment by filing bankruptcy.
I can't get MC insurance from State Farm and I can't benefit from the 25 years I've been with them.
I think(but I'm not sure) that Progressive wouldn't offer me un/under insured. They have a $2500 medical payments that is 40% of the premium cost Facepalm emoticon
I have 25,000/50,000/10,000 with comp/collision and $350 deductible. In May the renewal for 2014 BV 350/ 2010 SH is $817 for a year. Now that I've read the homestead law, I'm looking deeper into un/under insured. Oh yea I'm 52 with no tickets and no accidents.
@velobuff avatar
UTC

Hooked
08 Aprilia SportCity 250, 12 Buddy 170i
Joined: UTC
Posts: 224
Location: Boulder
 
Hooked
@velobuff avatar
08 Aprilia SportCity 250, 12 Buddy 170i
Joined: UTC
Posts: 224
Location: Boulder
UTC quote
We have geico. Full coverage on our scooters. We also insure our home & 2 cars with geico & we have super high credit ratings & I am a surgeon (yes, that gets me a discount Nerd emoticon )

$200 a year for me (riding 20 years), my fiancé riding 1 year (both msf trained) for all 3 scoots.

05 vino 125
08 sport city 250
09 burgman 400

We used to have farmers and having my fiancé on the 125 only when she was a new rider cost $125 alone!!

I can't believe how cheap geico is!
@velobuff avatar
UTC

Hooked
08 Aprilia SportCity 250, 12 Buddy 170i
Joined: UTC
Posts: 224
Location: Boulder
 
Hooked
@velobuff avatar
08 Aprilia SportCity 250, 12 Buddy 170i
Joined: UTC
Posts: 224
Location: Boulder
UTC quote
One thing to remember for those that are talking about suing and getting sued: people only go after people that have insurance or otherwise have the ability to pay.

Think about it - would you spend money suing a poor guy with no insurance if he was at fault and totaled your $6000 Vespa? Your lawyer would tell you you're nuts but gladly take your money to begin recovery of damages.

Been there done that. Crying or Very sad emoticon
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