Motorcycle Insurance Reader Feedback

Pass on you own tips and advice

Anyone who has been riding for a few years has a tale to tell, either a lesson learned or a story you heard. This is the place to pass on your personal piece of received wisdom to others.

Claim Horrors and Hurrahs!
Things can work out very well....
....and sometimes very badly - tell me (briefly please!) what happened and what you learned

Premium Picks
Tell me how you found a good deal with a company, or an agent...also if things didn't work out so well at the premium stage - overcharged - misled - mis-advised - Good/Bad Agent - pass on your experiences

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From Bob D, re: Total Loss Settlement:
in the case of a loss, do not settle for "Blue Book" value. You don't have to. Blue Book takes the average of all motorcycles in the category throughout the country, from bikes that are in pristine California to bikes that are left out in the snow all winter in Michigan. In my last loss (1989, thank God), I cut ads from the Chronicle showing the used price for the same motorcycle in my area was MUCH higher than Blue Book. I submitted those ads to the adjuster, and he submitted them to the company. After all, if you're going to do the work for the adjuster, it just makes life easier for him and he sees himself as a good guy in your eyes. I got a big old fat check and went out and bought a brand new FZR600 that I had for 13 years.

Now, with the Internet, it's much easier to get comparative prices in your area. Go to autotrader.com and the website for your local newspaper.