|Topic Review (Newest First)|
|01-11-2004 11:01 AM|
|Dad||Ken's post above pretty much sums up my thoughts on that, too.|
|01-11-2004 10:56 AM|
Reasons to be the sole rider of your bike:
What can happen if you let a friend ride your bike?
1. He can die on it, even if it's not his fault, and everyone will blame you. Even if he would never do such a thing, his family could sue you for more than you are covered for. Even if you win the lawsuit, it will cost you thousands in attorneys fees.
2. He can wreck it, even if it's not his fault, and if you only have liability coverage (as I do) you'll be out a bike and your friend will owe you big time. Whether he replaces it or not, the friendship may never be the same.
3. Unfamiliarity greatly increases the risk of accident. I never ask to ride another's bike. If offered, I usually decline. (I did succumb to an offer to ride a 'Busa once. Wow.)
4. If you swap bikes, then you have two riders on unfamiliar bikes. You consequently have to ride more cautiously even if the roads are familiar. Not really that fun, if you ask me.
If I've ridden with a guy long enough to know his riding abilities, I can be persuaded to swap bikes with him, but I'm nervous about it and quite careful.
A friend of mine did that though, and his bike (Roadstar) was so different from the bike the other guy rode (SV650) that the guy put his Roadstar into a guardrail around a slow corner. Not really overcooking it, but being unfamiliar with what it took to get that beast to turn. Not much damage, but that was just luck.
Best to just say "no."
|01-07-2004 04:02 PM|
Good Evening All-
Spitz, I don't know if they insure bikes in your area of the country, but my carrier is State Farm Insurance. I'm in my mid-thirties, married, with no moving violations. My rate has been static for years. I live in the suburbs of a major metropolitan city.
My liability coverage is $1M and I also put comprehensive coverage on it for accident damage, weather damage, theft, elephant stampedes, etc., etc. My annual premium is about $200 since this is a "pleasure" vehicle and is not my primary vehicle for work, commuting, etc.
I used to get an additional discount when I had two cars insured in an "umbrella" plan, but I've since found better insurance for my cars. The penalty to my motorcycle premium was less than 5%.
This is why I was AMAZED at the notion of dropping coverage for part of the year. Still, if Black Z's friend can purchase new MV Agusta motorcycles while keeping a full stable of others....he can afford a few bucks to keep full coverage on his growing collection.
~ Blue Jays ~
|12-30-2003 03:37 PM|
When I first got my license earlier this year an old friend offered her bike to keep me riding.
I was allowed to ride it whenever I wanted with no restriction. I always asked even though I didn't have to. More of a courtesy than anything else. Also pitched in on maintenance. Never dropped it. Different situation than yours with your friend though.
I am licensed, her bike is fully insured, and if I'd dropped it would have happily payed up and gotten any necessary repairs done.
So I'm with everyone else. You need to get this guy out of your circle of friends.
His a friggin' bike thief!
|12-30-2003 02:59 PM|
|AirKnight||I don't know where you read the law, but New York State allows you to not have insurance during off-season as long as you don't ride the bike at all. This is a pretty stupid situation, and is why I only let people I know can ride real well to ride my bike.|
|12-28-2003 11:15 AM|
Damn right it is a big difference in $$$, I dunno where blue jay got his quote but i'd like to know because i'd love to have full coverage for the same rate!~
I think the friend who stole the bike is at fault, but without full coverage the bike would not be covered under theft so he wont get any money from insurance for the bike, but he could turn around and sue the parents/kid for the cost of the bike... Thats if he sticks with the story its stolen..
|12-28-2003 11:04 AM|
|BLACK Z||The diffrence in a insurance was thousands of dollars.|
|12-28-2003 11:03 AM|
I don't know whats up with taking someone's bike without asking. Even my best friend from junior high who will let me take his bike anytime I ask, but if I just took it without asking he'd beat the crap out of me and I would deserve it.
The insurance can be a pretty dramatic difference from liability to full coverage though. Full coverage for me here costs literally 5 times as much as liability only. Although I do agree that if someone is buying those brand new bikes and keeping the old ones too then I wouldn't know how much that would concern him.
|12-28-2003 10:35 AM|
No flame intended...
Good Afternoon All-
The irresponsible, unlicensed, uninsured, so-called "friend" who STOLE the motorcycle needs an intervention. He has wrecked several of his own bikes and has now turned to wrecking motorcycles owned by others? He has severe psychological problems. Your circle of friends should get this guy the professional help he needs or drop him like a bad habit.
Secondly, the guy who owns the motorcycle and removed insurance for the winter has a few screws loose, too. The difference in cost between full-coverage and partial-coverage is practically measured in pennies. The guy is now purchasing an MV Agusta? Trust me, he can afford the extra ten or so dollars per month to keep his current ride completely covered.
~ Blue Jays ~
|12-27-2003 05:23 AM|
I'M WITH MONKEY! I would kill.
My best friend and just started to ride this yr-- our husbands talked us into it-- and now we both LOVE it!
We both have our own bikes. The only one to ride mine besides me is my hubb, my pal on the other hand has had 2 other people ride it-- and guess what-- it has ben dumped TWICE.
We bought my bike -2000 cbr 600 f4-basiclly totaled, and completly rebuit it-- i think it has 2 orig parts on it- the sub frame and one of the rims-- ran into alot of really good deals! but I like to think that bike was made for me-- and i love it-- hubb is lucky he rides it!
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