For those of you with newer bikes, what kind of collision, property damage, liability, and medical insurance limits do you carry? I've searched the forum but can't find any information on what is typical.
When a buddy went down hard at the San Rafael Group Ride I took him to the hospital and the hospital's stated intention was to first bill the motorcycle insurance carrier before any personal insurance policy coverage kicked in.
It took a phone call or two to get the info for the hospital's billing department but the effort likely saved some deductible.
So carry insurance info for both yourself as well as the TW.
I was informed that motorcycles and RV's must have full coverage, you can customize from there. I'm not sure if that goes for all 50 or just Nevada. I pay 250 a year but the TW is new and still being financed, once it is paid off in a few months the premium drops to about 80. I have all the same as above as well, better to cover everything than be surprised later.
My coverage also covers my riding gear; helmet, jacket, boots, what ever I am wearing, plus all the upgrades. I pay just under $100 a year. If you've ever crashed a motorcycle, replacing the helmet should be high on the list of stuff to replace. My helmet is an Arai and cost me around $500.
As always we pay a bit more up north of the border for insurance.
I pay $300/year full coverage for the TW.
I had a pretty substantial accident back in 2012 I was riding a Kawasaki Vulcan 500, that I had as a commuter/project bike. Being cheap transport and me being young and unbreakable (so I thought) I opted for the least amount of legal insurance on the bike. But even still never did I pay a dime for my medical care out of pocket, my bills were decided between auto insurance companies (mine and the ladies that hit me) and the Canadian healthcare system. This including all 5 surgeries, 1month of hospital stay. 3-4 months of home nursing to change dressings and service the machine pumping antibiotics into my heart. I was off work for nearly a year and a half but got about %50 of my wages from my work insurance. Finances were real tight by the end, I had blasted through my savings maxed my credit card. BUT I still owned my house and was able to make a near full recovery and return to a fairly labour intensive career being a diesel mechanic. In my case better coverage really would not have offered any benefit BUT my accident was deemed and proven in court to be negligence and careless driving of the lady that hit me. Had I been at fault in any way with the coverage I had I suspect I would have lost my house. As is with everything in my favore it was still way to close to being homeless.
Point being get the best coverage you can. And hope you NEVER need it and ya wasted that money all those years.
Gee....I have ridden bikes (boats) for some 60 years and have never had any insurance on them....have health insurance and now Medicare...seldom if ever rode double ...never had a injury ...damaged one bike.....never been asked for registration or insurance....don't even know if it is required.....just lucky I guess.....
Now, I seldom ride on public roads never ride double and can't imagine having a bike wrecked or stolen...I have no gear except a helmet that I bought at WalMart decades ago that I never wear off road...... I think at this point I will press my luck..... but I wouldn't suggest that anyone else should do that...otherwise I am a sensible and responsible person...
Golly gosh bartruff, you mean you don't even have earthquake coverage for your TW?
Getting liability insurance for the TW once I went to dual sport street legal riding from off-road enduro play was a new experience for me. Fortunately the cost seems reasonable.
Here in Texas, liability only is about $50.00 a year. Allstate requires other coverage which bumps it to about $350. a year. I don't use Allstate for my Mc insurance. I have Progressive currently and it is nearly $300. for 3 bikes and I upped my insurance plan some since hit and runs are on the rise. My Shadow seemed to jump rates up the most. Primarily I have liability with a little medical coverage. Yes, the Shadow is a bigger bike but I don't think it would damage much more property than the TW.
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