I agree with most, if not all of what Endoman said mainly because I work for an Insurance company and I know that 90% of people have NO IDEA what coverage they have, until its time to put in a claim. From there, they expect to be reimbursed in full for whatever the claim was about, even if it's not covered. They then proceed to complain, "WELL WHAT THE HELL DO I PAY INSURANCE FOR?" Simple, to be covered in the event of a catastrophic, life threatening covered peril were to strike. Obviously things that are rareities, things that are your fault (to a certain extent), things that are listed as EXCLUSIONS in the policy declarations THAT YOU RECEIVE IN THE MAIL EVERY SINGLE TIME YOU RENEW YOUR POLICY, are NOT and WILL NOT be paid out/covered. Plain and simple.
I mean really, how long does it take to review your policy and call your agent asking a few questions? 5 minutes, 10 minutes? This is the time you could be on the phone asking questions while waiting for your food to heat up in the microwave vs watching TV and getting filled with garbage that has no bearing on your life in the event of an accident.
A few of those details in that article were a little bit off too. I'd imagine it varies from state to state but in Las Vegas, where I work and live, we @ Allstate, offer you a motorcycle policy that has coverage for PIP up to 10,000if not 5000. Obviously not ideal but it's something vs what he said to be "nothing". We also offer "Optional equipment" coverage, which would cover all your added accessories up to 30,000. All the rest you all already know. Liability, Prop Dam, UM/UIM, Comp & Coll.
For a lot of companies, the purpose of having a physical office is to ENSURE you all know what you have by going over it in person with you. At my office we have you initial circles to show that you understand what coverages you accept and what coverages you reject. Most if not ALL insurance companies have all the necessary forms WHICH YOU MOST LIKELY DO SIGN OFF ON, to show that you know what limits of insurance you are getting. So really, there shouldn't be any reason as to why people complain so much other than bad customer service. If anything you should be kicking yourselves in the butt for not taking better coverages. As endoman said, if you can't afford proper insurance, you can't afford riding. It's a necessity.
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