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by: rockynv - Nov 13, 2015 13:15:38 GMT -5
Post by rockynv on Nov 13, 2015 13:15:38 GMT -5
I feel the wind through my mesh without the heat. Choose wisely and it adds to the fun and helps keep all our insurance rates down. People who ride without the proper gear on are driving insurance rates to insane levels for PIP and causing more and more insurance companies to put in coverage restrictions with some denying coverage if you do not wear a helmet, jacket, gloves, long pants and over the ankle boots while other health insurance companies now classify riding a motorcycle or scooter a uncovered high risk activity denying coverage regardless of what your wearing. Gearless riders are greatly responsible for the $2,000 per year rates some folks get charged if they want to add PIP to their motorcycle insurance policy.
Where I ride here in Tampa Bay there are very few places with 5 mph roads where you might get by riding in shorts with the majority of streets being 45+ mph so its all the gear all the time or take a chance on getting dumped on a searing 120 degree chip road at 50 mph. Wearing shorts and tees a chip road can strip you naked and then to the bone in very short order.
I am a Sicilian with heavy Phoenician and Moorish decent and really can only empathize with people who get sunburn however that does not make us immune to skin cancer. Its really miserable when they cut a flap off someones thigh to replace a scalp lost to skin cancer. The scars will give you the willies.
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Police
by: Paladin - Nov 13, 2015 21:47:00 GMT -5
Post by Paladin on Nov 13, 2015 21:47:00 GMT -5
... People who ride without the proper gear on are driving insurance rates to insane levels .... If "proper gear" would save insurance companies then the insurance rates would be lower for those wear "gear." They never asked me what I wear when riding, but they did kick rate up a hair when I sold my 652cc cruiser and got 151cc Vespa. |
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Post by rockynv on Nov 14, 2015 2:16:29 GMT -5
... People who ride without the proper gear on are driving insurance rates to insane levels .... If "proper gear" would save insurance companies then the insurance rates would be lower for those wear "gear." They never asked me what I wear when riding, but they did kick rate up a hair when I sold my 652cc cruiser and got 151cc Vespa. People who don't wear their gear usually are going to lie to the insurance companies just like most smokers do on their health insurance which is why they do blood tests to confirm this however there is no blood test that they can do to confirm that you are truly an ATGATT rider so everyone pays extra because of those that do not wear the required riding gear. They go by averages and the average in your area for a 150cc scooter rider is to scoff at wearing their gear so all riders of 150cc scooters pay the price. Anyways since they know that when they ask most are going to lie to them bald faced they don't bother asking and just go by the demographics for that class of bike and rider in the general area in which you live/ride/work. |
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Post by JerryScript on Nov 14, 2015 3:58:06 GMT -5
While i agree in theory, in fact I pay $109 per year for insurance on my 150cc. I doubt it could get much cheaper even if everyone had to have ATGATT in order to start their engine. Instead, I just think of Darwin!
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Police
by: rockynv - Nov 14, 2015 8:43:57 GMT -5
Post by rockynv on Nov 14, 2015 8:43:57 GMT -5
While i agree in theory, in fact I pay $109 per year for insurance on my 150cc. I doubt it could get much cheaper even if everyone had to have ATGATT in order to start their engine. Instead, I just think of Darwin! Where I live it costs about that to insure the scooter and have liability however because of all the gearless riders it adds $2,000 to $4,000 per year to the policy if you want Personal Injury Protection. Health insurance companies are reacting by listing riding as an extreme activity that is not covered while health insurance that covers riding if you do wear the mandatory riding gear is more expensive now. Because of a few free thinkers mouthing off about peoples rights to decide for themselves whether they should wear safety gear when they ride it has become so that that vocal few has decided for the silent majority that everyone now has to pay extra for Personal Injury Protection Insurance when they ride. I would not mind if the anti-gear bigmouths paid for their poor choice on their own dime however they in effect have put their hands in every riders pocket to pay for their poor choice. Those that get Darwin awards still drive our costs up since someone has to pay to retrieve the bodies and clean up the mess they make of things in their final moments. I would prefer if the insurance companies just all lowered the rates as if everyone wore their gear and then universally denied personal injury protection coverage and death benefits to any rider who gets injured or dies riding without helmet, gloves, riding jacket, long pants and riding boots. The downside is that those folks that are determined to ride unprotected would become wards of the State with the burden paid for by our taxes. I took care of HUD Handicapped Housing and way too many of the handicapped residents were gearless riders that ended up disabled due to injuries in motorcycle accidents from lack of head or back protection. The dead still cost us for the evac and interment while the rest who had either no insurance or were denied insurance coverage for the lack of wearing gear in effect become wards of the state so we end up paying for their rent, groceries, clothes, daily meds, visiting nurses, home care aids, etc, etc. Most really do not realize what people who throw caution to the wind cost us when we end up paying for the treatment of their preventable injuries. It would be hard to even calculate that accurately unless all police and medical responders accurately recorded each incident following set criteria and put these folks into a nationally accessible database. |
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by: scooter - Nov 14, 2015 11:19:03 GMT -5
Post by scooter on Nov 14, 2015 11:19:03 GMT -5
While i agree in theory, in fact I pay $109 per year for insurance on my 150cc. I doubt it could get much cheaper even if everyone had to have ATGATT in order to start their engine. Instead, I just think of Darwin! Where I live it costs about that to insure the scooter and have liability however because of all the gearless riders it adds $2,000 to $4,000 per year to the policy if you want Personal Injury Protection. Health insurance companies are reacting by listing riding as an extreme activity that is not covered while health insurance that covers riding if you do wear the mandatory riding gear is more expensive now. Because of a few free thinkers mouthing off about peoples rights to decide for themselves whether they should wear safety gear when they ride it has become so that that vocal few has decided for the silent majority that everyone now has to pay extra for Personal Injury Protection Insurance when they ride. I would not mind if the anti-gear bigmouths paid for their poor choice on their own dime however they in effect have put their hands in every riders pocket to pay for their poor choice. Those that get Darwin awards still drive our costs up since someone has to pay to retrieve the bodies and clean up the mess they make of things in their final moments. I would prefer if the insurance companies just all lowered the rates as if everyone wore their gear and then universally denied personal injury protection coverage and death benefits to any rider who gets injured or dies riding without helmet, gloves, riding jacket, long pants and riding boots. The downside is that those folks that are determined to ride unprotected would become wards of the State with the burden paid for by our taxes. I took care of HUD Handicapped Housing and way too many of the handicapped residents were gearless riders that ended up disabled due to injuries in motorcycle accidents from lack of head or back protection. The dead still cost us for the evac and interment while the rest who had either no insurance or were denied insurance coverage for the lack of wearing gear in effect become wards of the state so we end up paying for their rent, groceries, clothes, daily meds, visiting nurses, home care aids, etc, etc. Most really do not realize what people who throw caution to the wind cost us when we end up paying for the treatment of their preventable injuries. It would be hard to even calculate that accurately unless all police and medical responders accurately recorded each incident following set criteria and put these folks into a nationally accessible database. I suppose it might be the insurer that decides whether or not to charge less if you promise to wear ATGATT, and I think all bikes should have a roll cage, air bags, seat belts, and 4 wheels, plus we have to wear an iron man type suit made of steel so our limbs don't get crushed or twisted in a wreck. If people aren't willing to do that to be safe then they are costing me more in my insurance and that's not fair. /sarcasm. I don't think it's fair to declare that our standard of safety should be everyone's unless we're willing to go all the way and put on everything that that some random person decides is enough for them. But yes, you should get an insurance break for every piece of armor and roll bars and such that you use when riding your bike. Armor and options could have several safety categories, from "squid" to "iron-man" class. How's that sound? |
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Post by scooter on Nov 14, 2015 11:22:25 GMT -5
While i agree in theory, in fact I pay $109 per year for insurance on my 150cc. I doubt it could get much cheaper even if everyone had to have ATGATT in order to start their engine. Instead, I just think of Darwin! Yes, and we're already tempting Darwin just by riding these bikes alongside dumb people in SUVs.  |
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by: rockynv - Nov 16, 2015 12:30:44 GMT -5
Post by rockynv on Nov 16, 2015 12:30:44 GMT -5
Watch out - Honda is working on some of that.
Ducati is taking a different approach:
However people who choose to be SQUIDS riding without any gear are basically doing nothing but sucking down on everyone elses already diminishing finances.
Here is a guy who got off easy in a simple test ride around the parking lot at 20 mph and he is not a SQUID just took a chance on checking out his recent adjustments with a spin around his apartments parking lot without his gear:
Reply with quotes and then copy the links to use in your browser. No matter how I paste these even as plain text its being treated as video and blocked for some reason.
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by: JerryScript - Nov 17, 2015 5:58:20 GMT -5
via mobile
Post by JerryScript on Nov 17, 2015 5:58:20 GMT -5
Yep, a former boss of mine was doing a 20mph test ride on his dirt bike after making adjustments. He went down in front of his house at low speeds, and still ended up with enough road rash to put him out of commission for two weeks!
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Post by cyborg on Nov 17, 2015 8:59:03 GMT -5
Maybe i can get a discount on my bike insurance if i carry a spatula for cleaning up the poor misguided slobs that go down with wifebeater tees shorts and flip flops on,,,HEY!!! it could happen!!!
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Police
by: scooter - Nov 17, 2015 10:56:51 GMT -5
Post by scooter on Nov 17, 2015 10:56:51 GMT -5
Watch out - Honda is working on some of that. Ducati is taking a different approach: However people who choose to be SQUIDS riding without any gear are basically doing nothing but sucking down on everyone elses already diminishing finances. Here is a guy who got off easy in a simple test ride around the parking lot at 20 mph and he is not a SQUID just took a chance on checking out his recent adjustments with a spin around his apartments parking lot without his gear: I'd love to see your videos but I'm getting an error for some reason, Rocky. |
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by: scooter - Nov 17, 2015 10:58:18 GMT -5
Post by scooter on Nov 17, 2015 10:58:18 GMT -5
Maybe i can get a discount on my bike insurance if i carry a spatula for cleaning up the poor misguided slobs that go down with wifebeater tees shorts and flip flops on,,,HEY!!! it could happen!!! Tell them you want a Flat Rate. lol |
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by: scooter - Nov 17, 2015 11:05:29 GMT -5
Post by scooter on Nov 17, 2015 11:05:29 GMT -5
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