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Post by prodigit on May 28, 2013 17:46:25 GMT -5
In FL, there's no insurance necessary, as long as you're riding with a helmet. Not even for motorcycles.
The only bikers exempt from wearing a helmet are those who have personal insurance, or the ones riding a <50cc scooter or moped.
We in FL are probably the last state where mankind still is truly free.
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Post by Jarlaxle on May 28, 2013 17:50:28 GMT -5
I pay $  /year...$500K liability, and UM. New Hampshire does not require helmets or insurance. |
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Post by hank on May 28, 2013 18:03:13 GMT -5
In FL, there's no insurance necessary, as long as you're riding with a helmet. Not even for motorcycles. The only bikers exempt from wearing a helmet are those who have personal insurance, or the ones riding a <50cc scooter or moped. We in FL are probably the last state where mankind still is truly free. Hi Its not the helmet, its being financially responsible in case you do have an accident Do you even know your own states laws? www.dmv.org/fl-florida/insurance/motorcycle-insurance-minimum-requirements.phpI would much rather pay an insurance company and let them deal with the repercussions of an accident then have to pay out of my own pocket Take care and ride safely dear friend Yours Hank |
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Post by waterboysh on May 28, 2013 18:17:46 GMT -5
Prodigit, Hank is right. The "no insurance" thing only means you don't have to prove that the scooter/motorcycle is insured when you register it and you don't have to show proof of insurance to an officer if they pull you over for something non-accident related like speeding. If you are involved in an accident of any kind you will have to show proof of insurance or have the living daylights sued out of you as well as having your license suspended.
As to the original topic... those are insane prices. I pay around $200 a year for full coverage through Geico. General liability and uninsured motorist would be $120 per year if I wanted to reduce it.
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Post by dragonsparks on May 28, 2013 20:11:36 GMT -5
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Post by domindart on May 28, 2013 20:55:51 GMT -5
My insurance runs me $25 a month!
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Post by triker on May 28, 2013 23:55:41 GMT -5
I just renewed insurance for my magnum 300 last month. I pay $189 a year for full coverage + medical and passenger liability. I got a quote for my 50cc and it will be $269 a year. Even though it isn't required I still like to have it. This is through american family.
Roy
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Post by skuttadawg on May 29, 2013 0:15:17 GMT -5
Wow that is high qoutes . My Spree was 48 a year . I have a Echarm and a 50 well now a 70cc , with full coverage , roadside assistance and 10k in medpay it is 300 a year for both . In SC insurance for a male is high until he reaches 25 years of and or is married . I know several that had their vehicle registered in their parents name instead of their own , as was listed as a part time driver instead of full time to save money . Being young and if is the first motorcycle or at least street bike yes there is more of a risk of a mishap as everyone has to learn how to ride and nobody who rides has not wrecked or had a mishap . I would see if there is a motorcycle safety course available in your area to take as it may reduce the cost of insurance and will be good to know
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Post by dragonsparks on May 29, 2013 0:30:58 GMT -5
That is a very good Idearrr. :-/skuttadawg.
Dave
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Post by prodigit on May 29, 2013 1:47:36 GMT -5
In FL, there's no insurance necessary, as long as you're riding with a helmet. Not even for motorcycles. The only bikers exempt from wearing a helmet are those who have personal insurance, or the ones riding a <50cc scooter or moped. We in FL are probably the last state where mankind still is truly free. Hi Its not the helmet, its being financially responsible in case you do have an accident Do you even know your own states laws? www.dmv.org/fl-florida/insurance/motorcycle-insurance-minimum-requirements.phpI would much rather pay an insurance company and let them deal with the repercussions of an accident then have to pay out of my own pocket Take care and ride safely dear friend Yours Hank For <300cc scooters it's about $80/yr basic coverage, 120/yr for upto $10k collateral damage, and $15k bodily harm (or something). They're clever, because in most cases there's very little harm in scooter accidents. In case someone else hits me, I'm covered by the uninsured motorist coverage (as long as I am wearing my helmet on my >49cc motorvehicles. |
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Post by puttputt on May 29, 2013 2:02:18 GMT -5
If it costs that much you wouldn't see any scooters in Ontario. He's got serious priors or asking for far more coverage than necessary.
(my guess only and none of my business)
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Post by darkwingduck on May 29, 2013 7:07:03 GMT -5
Bummer. Did your boyfriend finance this scoot or buy it outright? Insurance runs quite a bit more if your ride is financed and insured for full coverage. I have liability only through USAA partnering with Progressive. I paid $76 for an entire year.
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Post by t8r on May 29, 2013 8:25:30 GMT -5
700 a month?  I am sorry but that is absolutely crazy. I'm in my mid 20's and when I was a teenager I was paying about $15 a month for insurance on my red sport bike. Now I got a quote of about $12 a month for a 150cc scooter. I live in the USA. Can you talk to Progressive insurance? They should be able to offer a more normal rate; at least, they would in the USA. I can't believe you're having this problem and I'm very sorry to hear it. |
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Post by hank on May 29, 2013 11:40:56 GMT -5
For <300cc scooters it's about $80/yr basic coverage, 120/yr for upto $10k collateral damage, and $15k bodily harm (or something). They're clever, because in most cases there's very little harm in scooter accidents.In case someone else hits me, I'm covered by the uninsured motorist coverage (as long as I am wearing my helmet on my >49cc motorvehicles. Hi Once again im amazed at your logic People sometimes get seriously injured and possibly die nwhile riding scoots if they get in an accident A motorbike is a motorbike doesnt matter if its a scoot a motorcycle or even a motorized bike And what if you happened to hit a pedestrian like a small child that ran out into the road I find your caviler attitude when it comes to safety quite disturbing Unless the laws of physics are different in your part of the country   Take care and ride safely dear friend Yours Hank |
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Post by rockynv on May 29, 2013 11:41:55 GMT -5
That kind of is going to happen in USA too. Right now, I'm happy that scooters and motorcycles are insurance free in FL, but I can see it change in the next 5-10 years. You still need to carry property damage and liability over 50cc in Florida and you have to have personal injury protection to ride without a helmet in Florida so insurance is required here. That said for a senior citizen with a safe driver rating it costs me about $54 a year for full replacement coverage with Progressive. That is also due to a $75 multi-vehicle discount. |
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/year...$500K liability, and UM.
You better have it right Then... 
