PNW Riders

ninja-rida · 01-22-2009, 08:02 AM

A new bike without insurance?

Being a co-signer, that bike is essentially yours as well.

Desvio · 01-22-2009, 08:53 PM

Originally Posted by capthowdy

I got a nice quote for full coverage thx to you guys.. but found out OR DMV is trying to make me get a SR22... Never even had a parking ticket. I co-signed for my bro's bike and he wrecked with without insurance(I wasn't aware he didn't have insurance at the time). Because I am a registered owner of the vechile(co-signer) I am responsible for insurance on a vehicle I don't ride? This kind of sounds like if you loaned your vehicle to me and I got a speeding ticket and you got one because you were the registered owner?

I am currently having a lawyer look at the documents that I just received. Anyone know if there is a way I can use my current insurance on bike to avoid SR22? Same bike different year R6 06.. mines a 07

Crap, you gotta be kidding??? Your screwed because of that, even if you were only a co-signer? It's not like you loaned your bike out to someone, or do they consider you the owner since you co-signed?

capthowdy · 01-22-2009, 10:18 PM

Originally Posted by Desvio

Crap, you gotta be kidding??? Your screwed because of that, even if you were only a co-signer? It's not like you loaned your bike out to someone, or do they consider you the owner since you co-signed?

Yeah I was a bit surprised myself to find this out. Technically I am a registered owner of the vehicle which makes me responsible for insurance(on a vehicle I don't drive). Something like this happened to a friend at work.. Her dumb b/f at the time borrowed a car no one else drove, because it did not have insurance.. and she had to get an SR22 for that

I haven't heard back from my attorney yet but I'm having them look at the documents DMV sent me just the other day. Thankfully I have a prepaid legal insurance, so I don't have to pay for this crap there too.

SportbikeCouple87 · 01-22-2009, 10:28 PM

Originally Posted by capthowdy

...I just got off the phone with dairyland and they quoted me $3,000 for a year of full coverage. I believe motorcycle insurance should be calculated with motorcycle miles not years. I am 21 male, always have had coverage, good credit, no accidents, and not even a parking ticket on my record. I am currently paying 400/year for state min. Just pray I don't crash I guess and lucky I have medical coverage through work

Holy

! My agent referred me to dairyland and I'm not paying that much! I'm also a 21yo male and I have a Red(don't know if color has anything to do with it) 2008 triumph daytona 675 and I'm paying about $1560 a year with full coverage.. PM me I can give you my agents number if you want

magnolia · 01-25-2009, 03:17 AM

Country sounds good, quoted me at 25 a month for full (with a solid record), but Eric was quick to point out if ANYTHING happened they would pull....a little too insecure for my taste...
I have been with them all...State Farm has been the best thus far! I pay less than 20 a month for full coverage. (However, I am old and have never been in an accident on the bike...)
I am curious how much this affects rates?? Is it truly based on cc's or how little altercations you have had on said bike?? or altercations in driving history period??

jpilot98 · 01-25-2009, 08:26 AM

full coverage with 250 deduct... $11 a month through state farm... but i also have 3 cars and our house insured through them... with everything insured through them - all 3 cars full cov. only costs me $150 a month


01-22-2009, 08:02 AM	#41
ninja-rida Zone Head Joined: Apr 2008 From: Da Hood I Ride: 2006 ZX-6R	A new bike without insurance? Being a co-signer, that bike is essentially yours as well. __________________ Follow PNW Riders on Facebook and Twitter


01-25-2009, 03:17 AM	#45
magnolia Endorsed Joined: May 2007 From: Portland, Oregon I Ride: 2003 Honda CBR 600rr	Country sounds good, quoted me at 25 a month for full (with a solid record), but Eric was quick to point out if ANYTHING happened they would pull....a little too insecure for my taste... I have been with them all...State Farm has been the best thus far! I pay less than 20 a month for full coverage. (However, I am old and have never been in an accident on the bike...) I am curious how much this affects rates?? Is it truly based on cc's or how little altercations you have had on said bike?? or altercations in driving history period?? __________________ Follow PNW Riders on Facebook and Twitter


01-25-2009, 08:26 AM	#46
jpilot98 Superbiker Joined: Jul 2007 From: Kennewick, WA I Ride: slow	full coverage with 250 deduct... $11 a month through state farm... but i also have 3 cars and our house insured through them... with everything insured through them - all 3 cars full cov. only costs me $150 a month __________________ Follow PNW Riders on Facebook and Twitter

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