Likwid

Sure, but you are required to have it so you can hate all you want and do nothing, or be educated so you don't let someone who may have their own interests in mind (commissions, sales numbers, etc) take advantage of you. Or, you can talk to Ohio lawmakers and get the insurance requirement removed. Here are some links that may help you. Ohio DOI: http://www.ohioinsurance.gov/ File a complaint: http://www.ohioinsurance.gov/Complaints/ComplaintMain.htm Contact senators: http://www.senate.gov/general/contact_information/senators_cfm.cfm?State=OH

Hi and welcome!

Last I was there they still had the gravel lot on the side... but there was a paved lot behind the building still.

He is.... I mixed up originally and messaged the wrong person... but he replied with some great info.... Lots of time it's the people that just happened to have dealt with this before have good advice

This Saturday, 6/6/2009. @Topgun: Where can I get some more information on the children's hospital one? My mom volunteers for the hospital (she brings her 2 goldens in... the kids LOVE seeing dogs)

Blocking for more updates

Now this one I may be able to do.... Boneyard is only a mile or so from work... so if I ride into work Thursday you'll see me there

Protecting yourself from other people continued... So what can you do besides carry Bodily Injury and Property Damage (BIPD is required in Ohio)? You may want to look at Uninsured/Underinsured Bodily Injury and Property Damage (UMBIPD). We all know everyone follows the law right? Well you may be shocked to hear a lot of people don't *pause for gasps* If you are hit by someone who does NOT have BIPD who's liable? They are... but odds are they don't have sufficient assets or cash to pay for the damage they cause... this is where UMBIPD comes into play. You're basically insuring EVERYONE else. If you have a LOT of money and assets you probably have high BIPD limits... but if everyone else carries the state minimum you run a higher risk. Why is XYZ Inc. so much more expensive than ABC Corp? It's all based on risk... 1. XYZ viewed you as a lower risk than ABC and/or XYZ views your potential profit greater than their risk. 2. Coverages weren't equal. Sometimes agents will "match or beat" price while adjusting coverages (I know you said same coverage, just throwing this out there) 3. You have/had another policy with XYZ. ie, homeowner/auto policy 4. Something else we'll never know There are many different methods for determining premium for new quoters... some companies write very cheaply (lots of times at a loss) and than make it up in investments or other methods (like customer service or claims) Some companies write at a profit and then try to balance out with more conservative investments and/or customer service or claims. The industry (as most have) is very rough, things change very frequently and companies that write at a loss and make it up in investments were hurt by the poor returns and companies that wrote at little profit had a hard time because lots of people shopped for insurance.

How do I get sued etc? So this is a long discussion but I'll hit the real small easy answer of what people are talking about. I'm not a lawyer so I can't give you legal advice. If you cause an accident that causes $1,000,000 worth of damage to someone's house, car, hotel, OR their medical expenses and pain and suffering. You are liable for the $1,000,000 (let's assume that amount came from a judge or something, not from a repair estimate) So you can't afford to pay $1,000,000 out of pocket (if you can please contact me), so you go get insurance. The Bodily Injury and Property Damage coverage is what protects your assets/money. If you carried limits of $12,500/$25,000/$7,500 (Ohio minimum I believe) you'd be on the hook for $975,000 (assuming the damage was all to the people)... still a lot of money. This is where higher limits come into play, if you carried $100,000/$300,000/$50,000 you'd be on the hook for $700,000... see where this is going? My insurance only goes up to XYZ limits HELP! Ok so first and foremost stop yelling. Secondly you need to sit back and look at what risk you are willing to assume. Additionally, keep in mind what you own.... if you live in a van down by the river Lebron James can sue you for 100 million dollars.... but he's not going to get it... Now if you have a half a million dollar house, 3 jags and your motorcycle and he sues you for 100 million dollars is everything you own at risk? Yes. I need more coverage!!! Again, stop yelling. If you are carrying maximum limits and it is not enough you need to look at something called an Umbrella policy. I don't even know enough about these to write up a summary, but JRMii works for an insurance company as well and he may be able to write up a quick summary.

So let me start a thread to help with some of the most common questions and answers. As insight, my job deals with making insurance easier to understand and such, so any feedback you have for me in terms of explanations or what needs further information is really helpful. I've mentioned it before, I am not a licensed agent, so you'll want to consult a licensed agent with any specific questions pertaining to you and your needs. Additionally, I work for Progressive Insurance, nothing I say here is the opinion of Progressive. All opinions are my own. Coverage Information Bodily Injury and Property Damage: Protects your assets when you hit someone else and hurt them or their property (including car). Limits are typically set as something like this $50,000 per person/$100,000 per accident/$25,000 property damage. What this means is that if you cause an accident with another car and injure 3 passengers in that car your carrier will cover you for UP TO $50,000 per person injured to a maximum of $100,000 for the 3 passengers, and provide up to $25,000 to pay for their property (car, house, etc that you may have damaged). Sometimes you'll see something like 300CSL (combined single limit), this means for any accident your carrier pays out a maximum of $300,000 for EVERYTHING in the one accident. Comprehensive: Repairs (replaces, gives cash value, etc) your motorcycle in instances of any damage done NOT as a result of a collision with another vehicle. Limits are set as deductible and look like $500 deductible. What this means is if your bike catches on fire and you want it repaired you will pay $500 out of pocket and the carrier will do the rest. Collision: Repairs (replaces, gives cash value, etc) your motorcycle in instances of any damage caused as a result of a collision with another vehicle. Limits are set as deductible and look like $500 deductible. What this means is if you hit a car/motorcycle/golf cart and you want it repaired you will pay $500 out of pocket and the carrier will do the rest. Medical Payments: Pays for medical expenses resulting from an injury you or your passenger(s) while riding on your bike. Limits are the total amount the carrier will pay, looks like $5,000 What this means is if you have medical expenses totaling $4,000 your carrier will pay up to $4,000. Keep in mind lots of carriers function differently and some pay after health insurance, some pay before. etc. These are the basic coverages for Ohio. What do you want added? I'll update this thread with requests.

I don't blame you... nearly everyone has trouble with the coverages... seriously, EVERYONE. I'm going to post a thread about insurance.... that way maybe we can help some people out that don't even have a clue what comp and coll is.

How are the skies down in CBus? It's grey and ugly up here.

Likely a bit late for me... you know I roll! Daylight no highway baby!

I'm new here.... but I could probably help set something up for NEO... I know there's a bike night for QSL on Wednesdays up here but you tell me what you want.

It's all good, I'm just being a pain. I'll definitely make the trek down to CBus this summer at SOME point... gotta get back to OSU campus and get some Catfish Biff's!

Come on! How can it be state-wide and be in CBus?! Just because you're in the center doesn't mean you're uber-important!

What has this come to that we need a stolen forum!! Also, if for some reason you have an idiotic insurance agent, "full coverage" doesn't mean the same to everyone.... you'd THINK everyone would know that means include comprehensive but not all do.

Colored is still correct..... take a look at the NAACP... just sayin

lol.... I'll hold off on putting a map in my signature

Can I ride it home? jk can't wait to see pictures

Lol, it's not so much that he's a bitch.... it's partially the route and time we need to leave and take.... and that he's a bitch I'm on my temps and I'm actually staying off the highway and not riding at night. So it's state routes only and we'd have to leave by 6 ish... kind of crappy.