OP
@misterd avatar
UTC

Enthusiast
'02 ET4 187 / '69 GP150
Joined: UTC
Posts: 63
Location: Auckland, InZid
 
Enthusiast
@misterd avatar
'02 ET4 187 / '69 GP150
Joined: UTC
Posts: 63
Location: Auckland, InZid
UTC quote
I can't even remember the last time I logged on here and sad to say the reason I'm here again is that my lovely wife* dropped our 2002 ET4 and insurance are writing it off.

Two questions I'm looking to answer:

1) Is there anyone out there that would want a Malossi 189**cc cylinder kit and upgear? It's like 15k miles of which 2/3's is on the upgrade. I also have a PM tuning SS pipe on it. All of which plays into a "do I buy it back" decision?

I'm down in NZ but I'm prepared to ship to deserving homes.

2) What are peeps' opinions of the relative merits of Sprints, Primaveras and GTS's?

* Wife's fine. Sore, but fine.
** Or is it 187? I'm getting confused with the Imola kit on my Lambretta.
Road rash
Road rash
@jakem avatar
UTC

Addicted
Vespa Sprint Sport S 125cc
Joined: UTC
Posts: 664
Location: Brighton, England
 
Addicted
@jakem avatar
Vespa Sprint Sport S 125cc
Joined: UTC
Posts: 664
Location: Brighton, England
UTC quote
Sorry to hear that! Is it worth buying it back off the insurance for very cheap and just using it as it is? We have that ability in the UK.

What engine sizes do you get in NZ for the GTS, and the Primavera / Sprint?

And what does your licence limit you to?

In the UK, we get a 300cc GTS, a 125cc GTS and a 125cc Primavera / Sprint.

Assuming you're looking at identical engine sizes, factor in the following:

1) The GTS 125cc has more power and is water-cooled, but heavier. Acceleration is similar to the lighter Primavera / Sprint, but top speed should be a bit higher.

2) The GTS has more weight to move around, so handling isn't quite as good - but the storage is better, and it's better for riding with 2 people. Some people notice front wheel wobble.

3) Water cooled means another service item to check (coolant)

For me personally, I preferred the Sprint over the larger frame GTS when comparing the same engine sizes. It becomes a different, and more difficult question if you're comparing a 125cc Sprint to a 300cc GTS though...
@baba12 avatar
UTC

Molto Verboso
2018 Vespa 300 GTS Touring
Joined: UTC
Posts: 1355
Location: NYC
 
Molto Verboso
@baba12 avatar
2018 Vespa 300 GTS Touring
Joined: UTC
Posts: 1355
Location: NYC
UTC quote
Damn, sorry that the scooter got a bit dinged. Glad that the wife is ok and the soreness will subside in time. Winter is coming your way, not sure if you ride in the cold or you moth ball it for the cold weather.
If you can figure out what would a similar vehicle before the fall cost to buy ( dont include the upgrades you have made), and find out what the insurance company would charge to sell it, if it is 50% or less in value, then I'd buy it back and either fix the dings or ride it with the dings and be fine with it.
It all comes down to what does the insurance company want for it and if you can negotiate to a price that feels fair.
The insurance company doesn't know all the upgrades made to the vehicle and they couldn't careless. Given that the cold weather is coming the market for 2 wheelers in your nick of the woods is getting smaller and maybe they would be willing to sell it for a fair price. Whats "fair" is relative, but worth finding out.
@bob_copeland avatar
UTC

Ossessionato
2013 Vespa 300 Super, 2022 Kymco AK 550
Joined: UTC
Posts: 3609
Location: Minneapolis USA
 
Ossessionato
@bob_copeland avatar
2013 Vespa 300 Super, 2022 Kymco AK 550
Joined: UTC
Posts: 3609
Location: Minneapolis USA
UTC quote
MisterD,

I am an old insurance guy who actually use to be in claims.

All these insurance companies (USA) do not want your totaled
car/scooter. They have a contract salvage buyer who pays, sight
on seen, 30% of the fair market value for the damaged vehicle.

For this reason, if the damage to the vehicle exceeds or is
close to 70% of the value of the vehicle they total it. Pay
you the market value (Less deductible) and take the junk.

The will routinely always allow you to keep the damaged vehicle.
After all you own it. They then deduct the 30% salvage value
from your pay out. So, the formula is 30% less the market value
less your deductible.

Most on this forum know scooters are so easily totaled because
of the super high labor rate to repair them. Many are repairable,
Especially if it is all cosmetic.

Many of us ride on scratched and dinged. Decals are good.

Bob Copeland
UTC

Veni, Vidi, Posti
Joined: UTC
Posts: 7092
Location: Tega Cay, SC
 
Veni, Vidi, Posti
Joined: UTC
Posts: 7092
Location: Tega Cay, SC
UTC quote
If the scoot was around here and that was the only damage, I would buy it in a heart beat. Cosmetics don't bother me at all. Hope your lovely wife gets to healing and feeling better.
@adri avatar
UTC

Atypical Canadian
2009 Vespa S50(LX150 motor swap), 2006 Vespa GTS250ie
Joined: UTC
Posts: 2319
Location: Toronto, Canada
 
Atypical Canadian
@adri avatar
2009 Vespa S50(LX150 motor swap), 2006 Vespa GTS250ie
Joined: UTC
Posts: 2319
Location: Toronto, Canada
UTC quote
Bob Copeland wrote:
MisterD,

I am an old insurance guy who actually use to be in claims.

All these insurance companies (USA) do not want your totaled
car/scooter. They have a contract salvage buyer who pays, sight
on seen, 30% of the fair market value for the damaged vehicle.

For this reason, if the damage to the vehicle exceeds or is
close to 70% of the value of the vehicle they total it. Pay
you the market value (Less deductible) and take the junk.

The will routinely always allow you to keep the damaged vehicle.
After all you own it. They then deduct the 30% salvage value
from your pay out. So, the formula is 30% less the market value
less your deductible.

Most on this forum know scooters are so easily totaled because
of the super high labor rate to repair them. Many are repairable,
Especially if it is all cosmetic.

Many of us ride on scratched and dinged. Decals are good.

Bob Copeland
I've always just heard this "through the grapevine" but it's really nice to hear it broken down from someone actually in that industry. Thanks for breaking it down for those who like learning how stuff works.

... and may we never need to make use of this knowledge!
@bob_copeland avatar
UTC

Ossessionato
2013 Vespa 300 Super, 2022 Kymco AK 550
Joined: UTC
Posts: 3609
Location: Minneapolis USA
 
Ossessionato
@bob_copeland avatar
2013 Vespa 300 Super, 2022 Kymco AK 550
Joined: UTC
Posts: 3609
Location: Minneapolis USA
UTC quote
adri,

Thanks for your kind words. There are many on this good forum
who can offer solid information.

One more insurance thought. Because getting injured on two
wheels is a real possibility, those coverages that provide funds
if you are injured are more expensive. They also can be waived
to keep your premiums low. Many go this route.

Usually, but not always, you are likely to be hurt by an at fault
car driver. If you are so injured, the most important coverage
is un/under insured coverage. Essentially, this coverage provides
you with funds if you are injured if your injuries exceed the coverage
that the at fault driver has. (or he/she is uninsured).

This is the most important coverage you can buy. It not only
provides you with funds for wage loss, medical bills, but pain
and suffering. I have $500,00 of this coverage. Now, if you
go off the road yourself on a curve, or actually you caused the
accident it does not apply. Most of the time you get hit or rear
ended by the other guy. Buy this, get all you can.

Even in my riding group, some explain how cheap their insurance is.
This is because they passed on this coverage. Be smart.

Bob Copeland
@jimc avatar
UTC

Moderaptor
The Hornet (GT200, aka Love Bug) and 'Dimples' - a GTS 300
Joined: UTC
Posts: 43935
Location: Pleasant Hill, CA
 
Moderaptor
@jimc avatar
The Hornet (GT200, aka Love Bug) and 'Dimples' - a GTS 300
Joined: UTC
Posts: 43935
Location: Pleasant Hill, CA
UTC quote
Bob Copeland wrote:
adri,

Thanks for your kind words. There are many on this good forum
who can offer solid information.

One more insurance thought. Because getting injured on two
wheels is a real possibility, those coverages that provide funds
if you are injured are more expensive. They also can be waived
to keep your premiums low. Many go this route.

Usually, but not always, you are likely to be hurt by an at fault
car driver. If you are so injured, the most important coverage
is un/under insured coverage. Essentially, this coverage provides
you with funds if you are injured if your injuries exceed the coverage
that the at fault driver has. (or he/she is uninsured).

This is the most important coverage you can buy. It not only
provides you with funds for wage loss, medical bills, but pain
and suffering. I have $500,00 of this coverage. Now, if you
go off the road yourself on a curve, or actually you caused the
accident it does not apply. Most of the time you get hit or rear
ended by the other guy. Buy this, get all you can.

Even in my riding group, some explain how cheap their insurance is.
This is because they passed on this coverage. Be smart.

Bob Copeland
The OP is in NZ - inhuman medical expenses are not the norm outside the US.
@znomit avatar
UTC

Veni, Vidi, Posti
LX190 Friday afternoon special, [s]Primavera[/s], S50, too many pushbikes
Joined: UTC
Posts: 10364
Location: Hermit Kingdom
 
Veni, Vidi, Posti
@znomit avatar
LX190 Friday afternoon special, [s]Primavera[/s], S50, too many pushbikes
Joined: UTC
Posts: 10364
Location: Hermit Kingdom
UTC quote
jimc wrote:
The OP is in NZ - inhuman medical expenses are not the norm outside the US.
We also have a government run no fault Accident Compensation scheme that covers the human expenses. You just need insurance to cover the non sentient things that get broken.
@giallo avatar
UTC

Addicted
GTS 300 hpe
Joined: UTC
Posts: 794
Location: NYC
 
Addicted
@giallo avatar
GTS 300 hpe
Joined: UTC
Posts: 794
Location: NYC
UTC quote
znomit wrote:
We also have a government run no fault Accident Compensation scheme that covers the human expenses. You just need insurance to cover the non sentient things that get broken.
From where I am sitting, in the US, that sounds like something from an alternate reality.

An accident here can mean having to turn to online fundraising in an attempt to cover the medical expenses. Not ideal by any means.

I really appreciate Bob Copeland sharing the expertise of what is helpful under this system.
@bob_copeland avatar
UTC

Ossessionato
2013 Vespa 300 Super, 2022 Kymco AK 550
Joined: UTC
Posts: 3609
Location: Minneapolis USA
 
Ossessionato
@bob_copeland avatar
2013 Vespa 300 Super, 2022 Kymco AK 550
Joined: UTC
Posts: 3609
Location: Minneapolis USA
UTC quote
jimc & znomit,

I expect there is a real advantage to having universal health
care provided by the government. In the USA, our private
healthcare is really good, but very expensive with increasingly
huge deductibles.

In the case of a scooter accident, when you are hurt pretty bad and
can not work,, does the Government Plan cover wage loss? I am
not referring to long term disability (we have that). I am referring
to wage loss for like two months.

Bob Copeland
For medical care, the free market sure isn't free.  We pay huge amounts for prescription drugs and medical care.
For medical care, the free market sure isn't free. We pay huge amounts for prescription drugs and medical care.
@fleece avatar
UTC

Ossessionato
1991 Vespa T5 Pole Position, 2008 Vespa S 125, 2023 Piaggio MP3 300HPE Sport
Joined: UTC
Posts: 4199
Location: Staffordshire England
 
Ossessionato
@fleece avatar
1991 Vespa T5 Pole Position, 2008 Vespa S 125, 2023 Piaggio MP3 300HPE Sport
Joined: UTC
Posts: 4199
Location: Staffordshire England
UTC quote
MisterD wrote:
I can't even remember the last time I logged on here ..
August 6th 2007

which means you had nearly 16 incident free Vespa riding years Clap emoticon Clap emoticon

Glad to hear your wife was ok

If you let the scoot go to the insurer, couldn't you just whip the kit and zorst off and say they fell off in the accident
@jimc avatar
UTC

Moderaptor
The Hornet (GT200, aka Love Bug) and 'Dimples' - a GTS 300
Joined: UTC
Posts: 43935
Location: Pleasant Hill, CA
 
Moderaptor
@jimc avatar
The Hornet (GT200, aka Love Bug) and 'Dimples' - a GTS 300
Joined: UTC
Posts: 43935
Location: Pleasant Hill, CA
UTC quote
Bob Copeland wrote:
In the case of a scooter accident, when you are hurt pretty bad and
can not work,, does the Government Plan cover wage loss? I am
not referring to long term disability (we have that). I am referring
to wage loss for like two months.
If your scooter insurance (compulsory) doesn't have any sickness/injury benefits then in the UK at least there's Statutory Sick Pay to fall back on, if your employer doesn't have a more generous scheme (most do).

https://www.gov.uk/statutory-sick-pay
Quote:
You can get £99.35 per week Statutory Sick Pay (SSP) if you're too ill to work. It's paid by your employer for up to 28 weeks.
And can we PLEASE lose the huge photos at the bottom of every one of your posts?
@crazycarl avatar
UTC

Ossessionato
2007 250 GTS, 1980 P200E, 2010 ThunderFly 190 (SOLD) 2015 Yamaha SMax (SOLD)
Joined: UTC
Posts: 3404
Location: Springboro, OH
 
Ossessionato
@crazycarl avatar
2007 250 GTS, 1980 P200E, 2010 ThunderFly 190 (SOLD) 2015 Yamaha SMax (SOLD)
Joined: UTC
Posts: 3404
Location: Springboro, OH
UTC quote
fleece wrote:
If you let the scoot go to the insurer, couldn't you just whip the kit and zorst off and say they fell off in the accident
I did this on my GTS when it was totaled a couple of years ago. Stripped nearly all of my accessories off the bike - left the malossi shocks on it as I wasn't physically able to get them off.
UTC

Addicted
PK50XL, PK100S, ET3, Matchless G80S, Honda CBR400RR, Ducati ST4S
Joined: UTC
Posts: 617
Location: UK
 
Addicted
PK50XL, PK100S, ET3, Matchless G80S, Honda CBR400RR, Ducati ST4S
Joined: UTC
Posts: 617
Location: UK
UTC quote
jimc wrote:
And can we PLEASE lose the huge photos at the bottom of every one of your posts?

Bobs photos always make me chuckle. Its like 'Heres a photo of me, it'll brighten up your day'
@vintage_red_matthew avatar
UTC

MV Santa
GTS250, 1975 VBC, 1980 P200E cutdown
Joined: UTC
Posts: 4798
Location: Sedgwick, Kansas
 
MV Santa
@vintage_red_matthew avatar
GTS250, 1975 VBC, 1980 P200E cutdown
Joined: UTC
Posts: 4798
Location: Sedgwick, Kansas
UTC quote
Bob Copeland wrote:
I have $500,00 of this coverage.
I assume you meant $500,000 and not $50,000.
@bob_copeland avatar
UTC

Ossessionato
2013 Vespa 300 Super, 2022 Kymco AK 550
Joined: UTC
Posts: 3609
Location: Minneapolis USA
 
Ossessionato
@bob_copeland avatar
2013 Vespa 300 Super, 2022 Kymco AK 550
Joined: UTC
Posts: 3609
Location: Minneapolis USA
UTC quote
jimc,

Sorry about the photos. I learned how to attach photos and
have kind of went wild.

Vintage Red,

You are correct sir, I meant $500,000.

Bob Copeland
Minnesota
Matchlessman I have thick skin and enjoy a little humor - this is my response to jimc - who I respect.
Matchlessman I have thick skin and enjoy a little humor - this is my response to jimc - who I respect.
@znomit avatar
UTC

Veni, Vidi, Posti
LX190 Friday afternoon special, [s]Primavera[/s], S50, too many pushbikes
Joined: UTC
Posts: 10364
Location: Hermit Kingdom
 
Veni, Vidi, Posti
@znomit avatar
LX190 Friday afternoon special, [s]Primavera[/s], S50, too many pushbikes
Joined: UTC
Posts: 10364
Location: Hermit Kingdom
UTC quote
Bob, if injured and unable to work we get 80% of our salary until we can work again.
That happens if we crash our scooter, fall off a ladder or get injured carrying out our nefarious plans for world domination.
Forum member supplied image with no explanatory text
@jess avatar
UTC

Petty Tyrant
0:7 And counting
Joined: UTC
Posts: 37344
Location: Bay Area, California
 
Petty Tyrant
@jess avatar
0:7 And counting
Joined: UTC
Posts: 37344
Location: Bay Area, California
UTC quote
Bob Copeland wrote:
In the USA, our private healthcare is really good
It's not, though. Depending on who you ask and how you rank countries, the USA probably isn't even in the top 10. Maybe not even the top 20. Health care outcomes in the USA are abysmally bad compared to other well-developed Western countries, and -- to add insult to injury -- that abysmally bad care is priced outrageously.

Americans continue to believe in an America that does not exist and has not existed for many decades. I'm not sure what will alter those beliefs.
@giallo avatar
UTC

Addicted
GTS 300 hpe
Joined: UTC
Posts: 794
Location: NYC
 
Addicted
@giallo avatar
GTS 300 hpe
Joined: UTC
Posts: 794
Location: NYC
UTC quote
jess wrote:
Americans continue to believe in an America that does not exist and has not existed for many decades. I'm not sure what will alter those beliefs.
Through extended international travel and quality education perhaps?

Hard to envision that change easily though, as many working people can't afford either.
@znomit avatar
UTC

Veni, Vidi, Posti
LX190 Friday afternoon special, [s]Primavera[/s], S50, too many pushbikes
Joined: UTC
Posts: 10364
Location: Hermit Kingdom
 
Veni, Vidi, Posti
@znomit avatar
LX190 Friday afternoon special, [s]Primavera[/s], S50, too many pushbikes
Joined: UTC
Posts: 10364
Location: Hermit Kingdom
UTC quote
jess wrote:
It's not, though. Depending on who you ask and how you rank countries, the USA probably isn't even in the top 10. Maybe not even the top 20. Health care outcomes in the USA are abysmally bad compared to other well-developed Western countries, and -- to add insult to injury -- that abysmally bad care is priced outrageously.

Americans continue to believe in an America that does not exist and has not existed for many decades. I'm not sure what will alter those beliefs.
What's staggering is that even rich white Americans aren't doing significantly better compared to other countries.


In this comparative effectiveness study of 6 health outcomes, White US citizens in the 1% and 5% highest-income counties obtained better health outcomes than average US citizens but had worse outcomes for infant and maternal mortality, colon cancer, childhood acute lymphocytic leukemia, and acute myocardial infarction compared with average citizens of other developed countries.

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7770612/
UTC

Banned
still shopping
Joined: UTC
Posts: 81
Location: LeftCoast usa
 
Banned
still shopping
Joined: UTC
Posts: 81
Location: LeftCoast usa
UTC quote
It is a real puzzle that America being such a dreadful place, we are knee deep in expat Brits, krouts, aussies and kiwies......


I guess they all go home when they have a hangnail.
@bob_copeland avatar
UTC

Ossessionato
2013 Vespa 300 Super, 2022 Kymco AK 550
Joined: UTC
Posts: 3609
Location: Minneapolis USA
 
Ossessionato
@bob_copeland avatar
2013 Vespa 300 Super, 2022 Kymco AK 550
Joined: UTC
Posts: 3609
Location: Minneapolis USA
UTC quote
Obviously, we have not solved the high cost stuff in Health care
here in the USA.

I don't know what the trade off is. Are we being killed in medical
costs or do others get killed in taxes. I expect we are being killed
in medical cost expenses.

Bob Copeland
UTC

Banned
still shopping
Joined: UTC
Posts: 81
Location: LeftCoast usa
 
Banned
still shopping
Joined: UTC
Posts: 81
Location: LeftCoast usa
UTC quote
I have no complaints about the cost or quality of my health care. I've had quite a few serious issues and donated my late wife to breast cancer. We both have gotten well over a million bucks worth of high-end med care, and I felt the out-of-pocket costs were reasonable.

One of my many Brit expat friends commented that triage care is first rate in England but good luck getting follow up or therapy afterwards. His son moved back to Liverpool and could not find a GP to take him on Nat. Med in a reasonable radius. My GP, an Aussie expat, said "I couldn't make what an auto mechanic made in Australia". exact words
@californiacruising avatar
UTC

Addicted
2015 Sprint 150, 2018 GTS 300
Joined: UTC
Posts: 894
Location: SoCal
 
Addicted
@californiacruising avatar
2015 Sprint 150, 2018 GTS 300
Joined: UTC
Posts: 894
Location: SoCal
UTC quote
Bob Copeland wrote:
Obviously, we have not solved the high cost stuff in Health care
here in the USA.

I don't know what the trade off is. Are we being killed in medical
costs or do others get killed in taxes. I expect we are being killed
in medical cost expenses.

Bob Copeland
A significant number of Americans aren't doing themselves any favors with diet, obesity, sedentary lifestyles and when something goes wrong with health, life long prescriptions over lifestyle changes is usually the go to.

I watch all kinds of documentaries on longevity, there are clusters of centennials dotted all over the world map, the usual places Japan, Mediterranean, ect but even in places like Loma Linda CA.
Main things centennials do to live (not just exist) over 100 years old;
Caloric restriction and connection to community/people

*Also Mick Jagger came to the USA for heart surgery not so long ago.
⚠️ Last edited by CaliforniaCruising on UTC; edited 1 time
@fledermaus avatar
UTC

Veni, Vidi, Posti
2007 LX150 2015 GTS (on the bench) 2017 BV 350
Joined: UTC
Posts: 12109
Location: Fond du Lac, Wisconsin
 
Veni, Vidi, Posti
@fledermaus avatar
2007 LX150 2015 GTS (on the bench) 2017 BV 350
Joined: UTC
Posts: 12109
Location: Fond du Lac, Wisconsin
UTC quote
jess wrote:
It's not, though. Depending on who you ask and how you rank countries, the USA probably isn't even in the top 10. Maybe not even the top 20.
Funny, I was just googling this the other day. IIRC we're #11 out of the top 11. At least we made the list. For double the $$ of the next most expensive we should manage that.
@californiacruising avatar
UTC

Addicted
2015 Sprint 150, 2018 GTS 300
Joined: UTC
Posts: 894
Location: SoCal
 
Addicted
@californiacruising avatar
2015 Sprint 150, 2018 GTS 300
Joined: UTC
Posts: 894
Location: SoCal
UTC quote
BarnacleBill wrote:
I have no complaints about the cost or quality of my health care. I've had quite a few serious issues and donated my late wife to breast cancer. We both have gotten well over a million bucks worth of high-end med care, and I felt the out-of-pocket costs were reasonable.

One of my many Brit expat friends commented that triage care is first rate in England but good luck getting follow up or therapy afterwards. His son moved back to Liverpool and could not find a GP to take him on Nat. Med in a reasonable radius. My GP, an Aussie expat, said "I couldn't make what an auto mechanic made in Australia". exact words
Same her BB, we got an HMO for family of 4 at $5k pre tax all 100% write off of our AGI. Great care, we start at our general practitioner for a $20 co pay and get referred to some really competent specialists and physical therapists for sports injuries
@jess avatar
UTC

Petty Tyrant
0:7 And counting
Joined: UTC
Posts: 37344
Location: Bay Area, California
 
Petty Tyrant
@jess avatar
0:7 And counting
Joined: UTC
Posts: 37344
Location: Bay Area, California
UTC quote
BarnacleBill wrote:
We both have gotten well over a million bucks worth of high-end med care, and I felt the out-of-pocket costs were reasonable.
I am reasonable confident that while you made this statement in good faith, you probably don't recognize why it is absolutely absurd.
@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
CaliforniaCruising wrote:
Same her BB, we got an HMO for family of 4 at $5k pre tax all 100% write off of our AGI. Great care, we start at our general practitioner for a $20 co pay and get referred to some really competent specialists and physical therapists for sports injuries
$5k/month? Are you suggesting that this is reasonable? Maybe I misunderstood your post. But $5k/month is around the average household income in the USA. I don't know anyone who can afford to spend their entire income on health insurance.
@vintagescooterdude avatar
UTC

Hooked
2006 GT200 2009 Genuine Stella
Joined: UTC
Posts: 279
Location: Chandler, AZ
 
Hooked
@vintagescooterdude avatar
2006 GT200 2009 Genuine Stella
Joined: UTC
Posts: 279
Location: Chandler, AZ
UTC quote
Sorry to hear about the scooter. But nobody was seriously injured, and that is what counts.

I am one of those with cheap vehicle insurance, at least compared to everyone else. I am able to insure seven bikes, three cars and a truck. My insurance is so cheap because I literally passed on everything, including uninsured/underinsured motorist. I am also the only covered operator for all my vehicles.

I don't have a whole lot to lose. I am retired/disabled. I am living on SS, a retirement plan from the government job I had for 36 years, and a 457 deferred comp account. I have Medicare, which will pay my medical bills, to a point. If I am injured to the point where I can no longer take care of myself, my only option is a nursing home. I expect to wind up in one of those anyway, at some point. Many years ago I put my home and my life savings in a trust for my kids, so the government can't take it, in anticipation of winding up in a nursing home.

If you are young, have a job, have a family to support, doing it my way is probably not a good option. But for me, it allows me to insure eleven vehicles for what most people pay for full coverage on two. And if the worst happens, it's only me that gets hurt. I'm divorced, and I have left a considerable amount of money and property to my kids.
@californiacruising avatar
UTC

Addicted
2015 Sprint 150, 2018 GTS 300
Joined: UTC
Posts: 894
Location: SoCal
 
Addicted
@californiacruising avatar
2015 Sprint 150, 2018 GTS 300
Joined: UTC
Posts: 894
Location: SoCal
UTC quote
caschnd1 wrote:
$5k/month? Are you suggesting that this is reasonable? Maybe I misunderstood your post. But $5k/month is around the average household income in the USA. I don't know anyone who can afford to spend their entire income on health insurance.
😂 I'm not that rich or frivolous
Per year, incls dental and some optical.
HMOs are the cheapie policies compared to PPOs that have more doctor choices but higher cost and bigger deductibles.
Babies costed us $100 hospital deductible and a handful of $20 baby doc deductibles.
@bob_copeland avatar
UTC

Ossessionato
2013 Vespa 300 Super, 2022 Kymco AK 550
Joined: UTC
Posts: 3609
Location: Minneapolis USA
 
Ossessionato
@bob_copeland avatar
2013 Vespa 300 Super, 2022 Kymco AK 550
Joined: UTC
Posts: 3609
Location: Minneapolis USA
UTC quote
Calcruising,

Averaging $416 a month is pretty good for a whole family HMO.

People over 55 take up a full half of all medical care spending in the
USA. End of life as high as 30% of all medical cost spending.

A community in New Hampshire (? State may be wrong), got
together, led by their local physician, and signed a "do-not-resuscitate
agreement" reducing overall health care costs by 40%. Essentially,
they agreed to not use extreme measures to prolong their lives for
a few more months. They sighted the lack of quality of life in these
final periods of life. Tough stuff.

The famous Mayo Clinic here in Minnesota can keep a dead frogs
leg alive for a year.

Bob Copeland
@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
CaliforniaCruising wrote:
😂 I'm not that rich or frivolous
Per year, incls dental and some optical.
HMOs are the cheapie policies compared to PPOs that have more doctor choices but higher cost and bigger deductibles.
Babies costed us $100 hospital deductible and a handful of $20 baby doc deductibles.
Oh, thanks for the clarification! I would agree that $5k/yr is pretty resonable for a family of 4.
UTC

Banned
still shopping
Joined: UTC
Posts: 81
Location: LeftCoast usa
 
Banned
still shopping
Joined: UTC
Posts: 81
Location: LeftCoast usa
UTC quote
I will not address Jess's attack; he simply has no clue what bills I have confronted or how much my corporate medical has paid out. ONE THING HOWEVER

I spent the last 30yr as a senior scientist in pharma. In America, about 95% of lifetime medical costs are incurred in the last 30 months of life. From what I see pharma targeting, the vast majority of this is due to lifestyle issues. I've had two days a week PT for 10mo for a shoulder disaster and then had a hip replaced and PT yet again. One day my angel of a therapist muttered "if everyone would stretch 15min each morning, loose 50#, and walk around the block, I would starve to death. She was absolutely correct! I was the only person in the PT waiting room that was less than 100# overweight! Good grief America! do something! And I do have a DNR order in place.

A significant focus in Pharma research is aimed toward addiction therapy. I suspect a lot of the addictions originate from misguided therapies. America wants a dammed pill for everything.
@bob_copeland avatar
UTC

Ossessionato
2013 Vespa 300 Super, 2022 Kymco AK 550
Joined: UTC
Posts: 3609
Location: Minneapolis USA
 
Ossessionato
@bob_copeland avatar
2013 Vespa 300 Super, 2022 Kymco AK 550
Joined: UTC
Posts: 3609
Location: Minneapolis USA
UTC quote
We sort of got into this tread by discussing coverages to cover your
injured body on your scooter. Then the heavy cost of medical care came up.

I swear my last post. I just read an article by DR John David Abramson MD
on the faculty of Harvard Medical School. Short version: The USA spends
twice as much on individual health care as other top economically
advanced countries with less longevity and not as good medical health
outcomes. We spend $12,914 per capita, they spend $6.125 per capita.

There is a country western song, "Black Sheep of he Family", were the
singer admits "his brother went to medical school and became a doctor
man making a million dollars a year off peoples insurance plans".

Yee haw, pass the scalpel.

Bob Copeland
@motovista avatar
UTC

Veni, Vidi, Posti
GT 2.4
Joined: UTC
Posts: 9032
Location: Watts, Cherokee Nation
 
Veni, Vidi, Posti
@motovista avatar
GT 2.4
Joined: UTC
Posts: 9032
Location: Watts, Cherokee Nation
UTC quote
Bob Copeland wrote:
Obviously, we have not solved the high cost stuff in Health care
here in the USA.

I don't know what the trade off is. Are we being killed in medical
costs or do others get killed in taxes. I expect we are being killed
in medical cost expenses.

Bob Copeland

When you add up all the taxes and service district fees, dog licenses and other fees we pay to the Govt. for services, we have about the same effective tax rates as the French. They have a 35 hour workweek, healthcare, people making wind turbine blades for the USA for $55 an hour, and the ability to build high speed rail for 6 Million dollars a mile. You can go from Barcelona,
Spain to Paris, France (NYC to Columbus OH) in about 6 hours for about $45, or the cost of a decent Easter Brunch if they charge for the Mimosas.
If they can do all this for what they take in every year, it seems like the money's there for us to do so.
California estimates the cost of high speed rail at 200 million a mile, and Amtrak estimated it would cost 500 million a mile to convert the northeast corridor train, an existing track, to high speed rail. That's over 20 Trillion dollars, a big chunk of the national debt, or 344,000 metric tons of gold. You would need an excavator to bury that much gold in your backyard.

Another of the issues that has caused problems in the US with healthcare was the decision to make it a benefit for having a job, instead of an essential Government service. That adds a few layers between you and your doctor that all want to get paid. And if you include the States, Territories, and the military, the US has about sixty different healthcare administration systems now.
UTC

 
UTC
This post was not quite
What we were hoping to see
Try again, perhaps?
@znomit avatar
UTC

Veni, Vidi, Posti
LX190 Friday afternoon special, [s]Primavera[/s], S50, too many pushbikes
Joined: UTC
Posts: 10364
Location: Hermit Kingdom
 
Veni, Vidi, Posti
@znomit avatar
LX190 Friday afternoon special, [s]Primavera[/s], S50, too many pushbikes
Joined: UTC
Posts: 10364
Location: Hermit Kingdom
UTC quote
Popcorn emoticon
@steelbytes avatar
UTC

Veni, Vidi, Posti
2019 GTS300 Supertech E3 60,000km
Joined: UTC
Posts: 5730
Location: Batmania aka Melbourne, Australia
 
Veni, Vidi, Posti
@steelbytes avatar
2019 GTS300 Supertech E3 60,000km
Joined: UTC
Posts: 5730
Location: Batmania aka Melbourne, Australia
UTC quote
znomit wrote:
Popcorn emoticon
I'm surprised this thread wasn't shutdown ages ago
@znomit avatar
UTC

Veni, Vidi, Posti
LX190 Friday afternoon special, [s]Primavera[/s], S50, too many pushbikes
Joined: UTC
Posts: 10364
Location: Hermit Kingdom
 
Veni, Vidi, Posti
@znomit avatar
LX190 Friday afternoon special, [s]Primavera[/s], S50, too many pushbikes
Joined: UTC
Posts: 10364
Location: Hermit Kingdom
UTC quote
BarnacleBill wrote:
I spent the last 30yr as a senior scientist in pharma. In America, about 95% of lifetime medical costs are incurred in the last 30 months of life.
That sounds like a lot.

Hang on…
Nearly one-third of lifetime expenditures is incurred during middle age, and nearly half during the senior years. For survivors to age 85, more than one-third of their lifetime expenditures will accrue in their remaining years.


https://www.ncbi.nlm.nih.gov/pmc/articles/PMC1361028/
DoubleGood Design banner

Modern Vespa is the premier site for modern Vespa and Piaggio scooters. Vespa GTS300, GTS250, GTV, GT200, LX150, LXS, ET4, ET2, MP3, Fuoco, Elettrica and more.

Buy Me A Coffee
 

Shop on Amazon with Modern Vespa

Modern Vespa is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com


All Content Copyright 2005-2024 by Modern Vespa.
All Rights Reserved.


[ Time: 0.0288s ][ Queries: 5 (0.0067s) ][ live ][ 313 ][ ThingOne ]