Quote:
Originally Posted by endoman
Sorry to disagree with most people in this thread, and I'm very sorry that some of you have been "ripped off" by insurance companies, but here's the real truth about motorcycle accidents and insurance.
((Blah blah blah )) If you can’t afford this kind of coverage, you can’t afford to ride your bike. End of story. Buy a smaller bike or find a hobby you can afford. Proper insurance is a cost of riding. It’s not a luxury item.
((More Blah in here...)) Sorry – I just have no sympathy for people who ride, get hit, then complain that insurance is the problem. It’s simply not true, and if anything, the article at the top of this thread encourages people to get less insurance (to avoid being ripped off) rather than more.
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I have heard this opinion on multiple threads and I have to say IMHO, it is DEFINITELY the wrong attitude. Riding isn't about being safe and following all the rules or we'd all be in nice safe trucks, or on Honda GoldWings. This is a sports-bike thread. Yes ride safe, at least have minimal insurance (that's why it's called minimal) but mostly riding is about the thrill, the wind, the smells, the sounds - some of us scrap together the money for the essentials because we love to ride. And when we can't afford the most pricey coverage and we get in a wreck, it seems to me we start over, scrape together the money, and ride again. If it were really about having full coverage and 100% safety (which isn't possible without taking cars and big-rigs off the streets), motorcycling for most of us, would be something we watch on TV like NASCAR.
When insurance trys to rip you off it is a problem. Happens in car, boat, and trailer policies too. Getting coverage is a problem.
It's the responsibility of the rider to choose what coverage he can afford and be responsible for the concequences. It's just hard to be knowledgeable these days without a lawyer present when you sign to read and translate the documents and that's why I think this sticky is so important. I'm on Gieco's minimal coverage right now but I'm going to review my policy and coverage to know exactly what I'm into. And discovering I should get, but can't afford, a more expensive policy will by no means stop me from riding.