Came time to change insurance carriers....again.

[Firefly]

In addition, MI is the only state (I'm told) that has a fund for closed head injuries caused by vehicle accidents. It was put before the voters in the late '70s and was supposed to cost just $3 per year. Well, now it's up to $150 per year PER VEHICLE. Not per driver/rider, but per vehicle. A panel of 5 "experts" annually determines what the next year's fee will be. All 5 are insurance company executives.

When we had to shop to insure my new 2015 RT-S this winter (because our Farm Bureau insurance doesn't touch MCs), Rider's Insurance was the best deal at $774 (which includes the MCCA fee) for 100/300/50.

Yup... The MCCA fee. Expensive but worth it in my opinion as your medical from an accident in Michigan is covered for tech rest of your life. One issue I have is that it doesn't cover you on a motorcycle unless a car is involved. Otherwise I like it.

 

[ruralgirl]

MI's MCCA Assessment Fee

Yup... The MCCA fee. Expensive but worth it in my opinion as your medical from an accident in Michigan is covered for tech rest of your life. One issue I have is that it doesn't cover you on a motorcycle unless a car is involved. Otherwise I like it.

It only reimburses your insurance company for expenses that exceed $545,000. So you still need to insure yourself. And, despite MI being no-fault, and the MCCA, we still need to insure ourselves against medical damages caused to others. Also, since MCs aren't covered unless a car is involved, we shouldn't pay the fee on our MCs (which, BTW is rising to $160 this July) because the MCCA says that when our accident does involve a car, we're being covered by the car's fee. And we sure as hell shouldn't be paying per vehicle. I don't know of many people who can operate more than one car or MC simultaneously.