Did some offroading with my bike yesterday..

[Amber Lamps]

Originally Posted by Ebbs15

I wish that it were that simple... but no matter what you do... it'll effect someone else... you kill your self on a road it'll create another stat that'll raise everyones insurance, cause cops to crack down just a bit harder on the local motorcycle population, your family and friends will be hurt...



yup! god know's i've done some really stupid shit... especially in my truck

Yea well,if you take the "if you crash it'll raise everyone's insurance rates" arguement to it's logical conclusion,none of us would ride at all. In the eyes of the insurance company,a crash is a crash. It's all numbers and stats. If you can prove more riders crash doing wheelies than in traffic.... Shit,some of you guys are talking about getting on the track and if you crash claiming it against your insurance. What's that gonna do to my rates? Trip rightfully went to the doctor after his crash,should I start looking for a rate increase in my medical insurance? Hey,everyone that smokes/drinks should stop since they're affecting my medical insurance. For that matter,anyone who does ANYTHING that causes the insurance industry to have to pay out,must stop now!!! That includes having babies!

As far as the police,we have a "agreed" upon spot where everyone stunts. We keep it off the main roads,the cops don't bother us. If you look,you can find similiar arrangements in most cities/areas. Infact,when Chunky crashed doing a stoppie there was a Deputy watching. He came over and asked if we needed a tow truck. I haven't lived here that long but I guess it's not unusual for bored cops to come and watch these guys stunt.

I don't have any family and all my friends know I ride so... Bottom line,I quite frankly,care more about my own happiness than I do anyone elses. If I listened to "family and friends",I wouldn't ride at all. Who here doesn't have at least one person who doesn't/didn't want them to ride motorcycles? Living your life for others sure has a noble ring to it but there's nothing noble about lying on your deathbed regretting all the things you'd wish you'd done in your life...

[fpzx10]

Glad you're ok

[Amber Lamps]

Originally Posted by fpzx10

Glad you're ok

Thanks bro!

[OneSickPsycho]

Originally Posted by TIGGER

Yea well,if you take the "if you crash it'll raise everyone's insurance rates" arguement to it's logical conclusion,none of us would ride at all. In the eyes of the insurance company,a crash is a crash. It's all numbers and stats. If you can prove more riders crash doing wheelies than in traffic.... Shit,some of you guys are talking about getting on the track and if you crash claiming it against your insurance. What's that gonna do to my rates? Trip rightfully went to the doctor after his crash,should I start looking for a rate increase in my medical insurance? Hey,everyone that smokes/drinks should stop since they're affecting my medical insurance. For that matter,anyone who does ANYTHING that causes the insurance industry to have to pay out,must stop now!!! That includes having babies!

As far as the police,we have a "agreed" upon spot where everyone stunts. We keep it off the main roads,the cops don't bother us. If you look,you can find similiar arrangements in most cities/areas. Infact,when Chunky crashed doing a stoppie there was a Deputy watching. He came over and asked if we needed a tow truck. I haven't lived here that long but I guess it's not unusual for bored cops to come and watch these guys stunt.

I don't have any family and all my friends know I ride so... Bottom line,I quite frankly,care more about my own happiness than I do anyone elses. If I listened to "family and friends",I wouldn't ride at all. Who here doesn't have at least one person who doesn't/didn't want them to ride motorcycles? Living your life for others sure has a noble ring to it but there's nothing noble about lying on your deathbed regretting all the things you'd wish you'd done in your life...

Let's be serious too... Insurance rates do nothing based upon numbers of claims... Ask yourself why SUV's have such high insurance rates... It's cause they're popular... nothing more.

[Amber Lamps]

Originally Posted by OneSickPsycho

Let's be serious too... Insurance rates do nothing based upon numbers of claims... Ask yourself why SUV's have such high insurance rates... It's cause they're popular... nothing more.

Aha! Something I know a little bit about. Insurance rates are based on "actuary(sp) tables". Basically,they take the exact vehicle,the type of person,the area of the country and plug it in to get the rate.

First vehicle info; you're right that popularity plays a role in determining a vehicle's rate index. The more there are,the more claims. They take the number of claims (coll and comp)involving a particular vehicle against the total number of claims. Obviously,if there are more of a vehicle,there'll be more claims. Suvs have a very high incidence of roll overs and are involved in a great number of fender benders. Probably due to distracted parents. Note: when I first got my 'Busa,the ins. rate was approx. half that of a GSXR600 because it was listed as a "sport tourer" and the number of claims were low.

Second personal info; age,driving record,single/married,dependents,credit report,etc. They take these figures and see where you fall in. Apparently, a 19 year old single guy is more likely to make a claim than a 53 year old, married fella.

Third area of the country; this takes into effect the number of claims in your location. Crime rates,weather,etc all play a part in this table. You're more likely to get your vehicle stolen in L.A. but you're more likely to crash it in Dec in Michigan.

Basically,they take their base rate,what they would charge the "ideal driver", with the "ideal vehicle", in the "ideal area" of the country and go from there. You pick up multipliers based on how far you stray from the "ideal". Insurance is a highly competative and gov't regulated business. I doubt that they make decisions based on whimsy.

[OneSickPsycho]

Originally Posted by TIGGER

Aha! Something I know a little bit about. Insurance rates are based on "actuary(sp) tables". Basically,they take the exact vehicle,the type of person,the area of the country and plug it in to get the rate.

First vehicle info; you're right that popularity plays a role in determining a vehicle's rate index. The more there are,the more claims. They take the number of claims (coll and comp)involving a particular vehicle against the total number of claims. Obviously,if there are more of a vehicle,there'll be more claims. Suvs have a very high incidence of roll overs and are involved in a great number of fender benders. Probably due to distracted parents. Note: when I first got my 'Busa,the ins. rate was approx. half that of a GSXR600 because it was listed as a "sport tourer" and the number of claims were low.

Second personal info; age,driving record,single/married,dependents,credit report,etc. They take these figures and see where you fall in. Apparently, a 19 year old single guy is more likely to make a claim than a 53 year old, married fella.

Third area of the country; this takes into effect the number of claims in your location. Crime rates,weather,etc all play a part in this table. You're more likely to get your vehicle stolen in L.A. but you're more likely to crash it in Dec in Michigan.

Basically,they take their base rate,what they would charge the "ideal driver", with the "ideal vehicle", in the "ideal area" of the country and go from there. You pick up multipliers based on how far you stray from the "ideal". Insurance is a highly competative and gov't regulated business. I doubt that they make decisions based on whimsy.

So if what you're saying is true... if I buy a bike that nobody else has... and I crash it... I do nothing to affect your insurance rates... I might even help them!

[Amber Lamps]

Originally Posted by OneSickPsycho

So if what you're saying is true... if I buy a bike that nobody else has... and I crash it... I do nothing to affect your insurance rates... I might even help them!

Hmmm...as far as bikes go they group them by type and base their rates accordingly. When I had my V-Max I was amazed that the rate was cheaper than it was on a FJ1200. Alot of the differences in rates come from how the underwriters group your particular bike.