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FrugalNinja250 (Crankcase)

Tue Mar 08, 2011 5:18 pm

I have a question

You can reply via PM if you'd like...

I've got ok health insurance at work and I just verified that they won't exclude coverage if I'm injured on a motorcycle as long as it was legal street use and not track racing. However, my copays and deductibles add up to around $8,000 out of pocket max. I would like to get something that would cover the out of pocket amount in case of an accident caused by an uninsured driver of which we have many since we're illegal alien central down here. Would that be a medical rider? Or are there any other options, like some sort of "gap" insurance? My insurance carrier will not sell medical coverage unless full collision is also purchased, and the last quote I got was over $100 a month on a bike with a total value of $1,800. That seemed a little high since I really only need the medical. I can walk away from the bike fairly easily so don't need the collision/theft.

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• You really can't compare.... — PriceR, Tue Mar 08, 2011 3:58 pm

  • I have a question — FrugalNinja250, Tue Mar 08, 2011 5:18 pm

    • Another Option — PriceR, Wed Mar 09, 2011 1:18 pm

    • Answer — PriceR, Wed Mar 09, 2011 12:48 pm

    • That's where a medical policy of $5000 or so would kick in and cover those c — M, Tue Mar 08, 2011 10:22 pm

• Being middle-aged and in a low-claim rural county... — M, Sun Mar 06, 2011 10:17 pm

  • I would double check that.... — PriceR, Tue Mar 08, 2011 3:24 pm

    • You are correct that it would be a claim on my insurance. — M, Tue Mar 08, 2011 10:21 pm

• $142, liability only. — aristurtle, Sun Mar 06, 2011 10:04 pm

• Re: My fiance — gevans, Sun Mar 06, 2011 7:43 pm

• My finace — gevans, Sun Mar 06, 2011 7:41 pm

• $85 — BobA, Sun Mar 06, 2011 3:19 pm

  • Glad to be old, when it comes to insurance. — utahrider, Sun Mar 06, 2011 4:08 pm

    • Fees — BobA, Sun Mar 06, 2011 7:19 pm

      • Fees! — utahrider, Sun Mar 06, 2011 7:51 pm

        • You win (or lose...). I surrender — BobA, Sun Mar 06, 2011 8:24 pm

          • Utah Car Fees — utahrider, Sun Mar 06, 2011 9:36 pm

• Shop Around — Slybones, Sun Mar 06, 2011 2:08 pm

  • Dang — Slybones, Sun Mar 06, 2011 8:33 pm

    • You should buy a couple more bikes (n/t) — Bokonon, Sun Mar 06, 2011 11:20 pm

      • Gotta work on garage space first. (n/t) — Slybones, Mon Mar 07, 2011 12:12 am

• Drop collision if you have it — GregZ, Sun Mar 06, 2011 1:47 pm

• $278/year as an under 21 — Mumps , Sun Mar 06, 2011 4:36 am