Spyder Accidents

[Bob Denman]

Did he really try to hit your; or was he just a moron, who didn't look to make sure that the lane was clear? :dontknow:
One involves malicious intent, and the other only involves profound stupidity... :banghead:

 

[Rogue Hawk]

You are so correct, as life is too short to worry about what I can't control.

People who worry don't ride. It's about being aware of what can happen and to best prepare for it.

 

[Bob Denman]

:agree:

 

[Zip]

Did he really try to hit your; or was he just a moron, who didn't look to make sure that the lane was clear? :dontknow:
One involves malicious intent, and the other only involves profound stupidity... :banghead:

If he were just being stupid he would just drove off, but to flip me the bird then take off tells me it was purposeful.

 

[Bob Denman]

If you laid a heavy thumb on the horn button, or questioned his parentage at the top of your lungs: it might just have been him letting you know that you're number one in his heart...

Don't let the idiots wear you down: they ain't worth it!

 

[Jeriatric]

Speaking of Horns - er, angry hamsters

Next time you're around an Indian have them toot its horn.

It's the best stock motorcycle horn EVER.

 

[SteveLaoyster]

If he were just being stupid he would just drove off, but to flip me the bird then take off tells me it was purposeful.

A dash cam or action cam probably would have been handy in this case.

 

[SteveLaoyster]

And 2) I know this sounds crazy, but try not to sit on or under a bridge. America's older bridges are in bad shape. Today, a 4-lane highway bridge that I had to go under was jam packed with stand-still semis due to a fatal accident down the road. I had a red light coming up which would've planted me directly under all those rigs. Call me paranoid, but I refused to sit under that enormously loaded structure, so I changed lanes so I could get closer to the light and out from under the bridge.

You are definitely right about that. Pennsylvania has some sorry looking bridges too. They are slowly getting some of them taken care of but this shouldn't be happening. What happened to all those tax dollars? Shouldn't some of that been set aside for just that reason? It just makes sense that it shouldn't have become a problem. Okay, I'm done ranting. Thanks for reading.

 

[cyclekid58]

Uninsured/underinsured

A thought; go look at your level of uninsured motorist coverage on your policy. Since we all ride, the level of physical protection is low. To offset this, you should carry a significant level on your policy in case the other driver drives off or doesn't carry much coverage. The delta cost is well worth it - especially if you need it one day. At least ask what the increased premiums would be so you can make an informed decision.

Jerry

Yup just went through that with the wifes MC accident from Oct 2015 on an underisured motorist where our coverage was greater made the difference. Also Most motorcycle coverage that you have does not have medical payments on you in case of an uninsured other driver. Some sompanies have a little usually $10,000 thats to cover your regular medical insurance deductible and copays. Until this accident we did not know that so investigate your insurance coverage, carry a high amount of uninsured/underinsured coverage and inquire directly as to whether your insurance has medical that covers you. I wished we had inquired, this has been an expensive lesson. This accident she was on 2 wheels and was clipped by another MC that had minimum coverage. I posted on this back in Oct of 2015 with some follow-ups and we are just now settling, basically for her low insurance and our higher underinsured.

 

[jcthorne]

Yup just went through that with the wifes MC accident from Oct 2015 on an underisured motorist where our coverage was greater made the difference. Also Most motorcycle coverage that you have does not have medical payments on you in case of an uninsured other driver. Some sompanies have a little usually $10,000 thats to cover your regular medical insurance deductible and copays. Until this accident we did not know that so investigate your insurance coverage, carry a high amount of uninsured/underinsured coverage and inquire directly as to whether your insurance has medical that covers you. I wished we had inquired, this has been an expensive lesson. This accident she was on 2 wheels and was clipped by another MC that had minimum coverage. I posted on this back in Oct of 2015 with some follow-ups and we are just now settling, basically for her low insurance and our higher underinsured.

Why
do you think you need uninsured / underinsured coverage at all? If you have comprehensive and collision coverages, the UI coverage only helps with the difference in deductibles. IE it pays very little additional vs the high cost of the premium. For most folks, UI coverage is only useful on a liability policy, not a full coverage policy.

Also if you have full medical insurance from other means, IE from your work, no need for medical payments coverage either.

Why insure the same loss twice?

 

[Bob Denman]

JC,
Every State has their own rules and regulations that cover insurance: his State might be different than yours... or mine! nojoke
In New York: Under-insured motorist coverage will help to defray your costs, when you are in an accident that is not your fault, and the other party has inadequate coverage.
If you're seriously injured, and spend any time in the hospital: how much do you think it'll cost? :yikes:
If you have no health insurance, and are relying on the at-fault party's coverage to pay the bills...
That's a sure recipe for bankruptcy.
This is why we always recommend that people purchase uninsured/under-insured motorist coverage that is equal to their own liability limits...
You pay for liability coverage to protect the other guy...
UM and UIM coverage protects you!

 

[IdahoMtnSpyder]

So we ran into our first jerk on this past Saturday. He tried to hit us . He was in the lane to our right and came into our lane quickly. I hit the brake and went into the oncoming lane to avoid him. He gave us the finger and sped off.

You very likely were in his blind spot, and he did not have his mirrors adjusted to avoid them. Here is how to adjust your mirrors to avoid blind spots.

http://www.cartalk.com/sites/default/files/features/mirrors/CarTalkMirrors.pdf

 

[jcthorne]

JC,
Every State has their own rules and regulations that cover insurance: his State might be different than yours... or mine! nojoke
In New York: Under-insured motorist coverage will help to defray your costs, when you are in an accident that is not your fault, and the other party has inadequate coverage.
If you're seriously injured, and spend any time in the hospital: how much do you think it'll cost? :yikes:
If you have no health insurance, and are relying on the at-fault party's coverage to pay the bills...
That's a sure recipe for bankruptcy.
This is why we always recommend that people purchase uninsured/under-insured motorist coverage that is equal to their own liability limits...
You pay for liability coverage to protect the other guy...
UM and UIM coverage protects you!

My
point was if you are already paying for medial coverage elsewhere and comp and collision coverages, you are covering the same loss with 2 insurance coverages and paying the premium twice.

For sure if you do not have medical, comp and collision then UM would cover but would you not be better off with the first three?

 

[Bob Denman]

With 39 years of dealing with insurance: I see no need to argue with you over it...
But if anyone ever knocks you off of your bike: I seriously DO hope that they've got at least 500K worth of liability coverage... and a 2 million dollar umbrella over top of that! nojoke

 

[jaherbst]

View attachment 146528

With 39 years of dealing with insurance: I see no need to argue with you over it...
But if anyone ever knocks you off of your bike: I seriously DO hope that they've got at least 500K worth of liability coverage... and a 2 million dollar umbrella over top of that! nojoke

Don't depend on the other guy to even have insurance! In Texas, Arizona and California do not expect all drivers to have even the minimum insurance. Many illegals drive with no insurance here and if involved in an accident run for the border. Many of us here have had first hand experience.

Yea sure insurance is required here by law but then --------. Well you know the rest of the story.

Jack

 

[jcthorne]

I have already been through this in Texas. If you live and drive here you are going to have an accident with an uninsured driver. With full coverage and no UM, I was still fully covered less my deductible.

Sure, UM would have covered my deductible and medical deductible if needed but that is a high premium to pay for such limited coverage. Just do not understand why insurance agents keep telling folks they should buy UM. I had this conversation with my own agent years ago and when pressed, they could not come up with a single instance where UM would cover any more than my current insurance other than the deductibles.

For a while, I owned a high value car and State Farm insisted I carry the UM with limits to cover it as a condition of issuing the policy. It was much more about revenue / premiums to cover an appreciating asset rather than a depreciating one. Had nothing to do with claims payment. The premium to risk ratio for UM is just far higher than other insurance coverages. Its a high return sale for the insurance companies to add this.

I do not carry UM on any of our vehicles and do not loose any sleep over it. I am covered the same no matter if the incident is my fault or the other guy. Its only a matter of which insurance company is going to pay.

If my understanding is completely wrong in some way, educate me. My own insurance agent could not and I refuse to pay for coverage that I have no understanding of ever receiving any benefit from.

 

[Bob Denman]

Texas insurance law applies UM coverage to physical damage losses... Not every State does...
...and New York doesn't: it only applies to bodily injury claims.

You cannot fairly compare a comprehensive or collision loss, and the possibility of some compensation through UM coverage; to a situation where someone is severely injured, and trying to collect via UM...
With a physical damage loss to a car: the amount of the loss is usually known, and is easily covered by your own carrier.
If someone is in the intensive iuit: you have no idea what the dollar amounts are going to finally be... And they ain't cheap!

 

[jcthorne]

Texas insurance law applies UM coverage to physical damage losses... Not every State does...
...and New York doesn't: it only applies to bodily injury claims.

You cannot fairly compare a comprehensive or collision loss, and the possibility of some compensation through UM coverage; to a situation where someone is severely injured, and trying to collect via UM...
With a physical damage loss to a car: the amount of the loss is usually known, and is easily covered by your own carrier.
If someone is in the intensive iuit: you have no idea what the dollar amounts are going to finally be... And they ain't cheap!

Really
not trying to be obtuse but I understand what you are saying but there is no upper limit to my medical coverage. Just the deductible to pay. I assume even a small incident would clear the deductible as soon as I am admitted to a hospital. After that, it becomes United Healthcare's problem to collect from the other party or not.

How would State Farm's UM coverage do any better for me? especially since it is specifically listed as secondary coverage, not primary.

What you are saying about NY coverage makes the UM coverage even less appealing if it does not cover physical damage losses. In my instance it would have paid nothing.

 

[cyclekid58]

Insurance

Really
not trying to be obtuse but I understand what you are saying but there is no upper limit to my medical coverage. Just the deductible to pay. I assume even a small incident would clear the deductible as soon as I am admitted to a hospital. After that, it becomes United Healthcare's problem to collect from the other party or not.

How would State Farm's UM coverage do any better for me? especially since it is specifically listed as secondary coverage, not primary.

What you are saying about NY coverage makes the UM coverage even less appealing if it does not cover physical damage losses. In my instance it would have paid nothing.

In Idaho our medical DEDUCTIBLE is 6,850 minimum upwards of $10,000 unless you pay $800 per month or more for premiums and even then it's still $4,000.00 even on the state health exchange with tax credit so yes, we get Uninsured/Underinsured its fairly cheap.

 

[mikeinco]

Some latin

Regarding UM/UIM motorist's "Illegitimus non Corburundum." Don't let the bastards get you down.:lecturef_smilie: