Motorcyclists Deaths’ Rise by More Than 6 Percent

[stateprez]

Maybe in your state.  In my state, my premiums are based on MY driving record, not on my neighbors or my uncles or on some kid with an R1, or some Yuppi on a Desmo.

If a rider flyes off a cliff tomorrow my premium stays the same, why?  Because MY driving record is still clear.

...and my '03 999 was cheaper to insure than my '05 S2R.....aka value of the bike has something to do with it.

[jdubbs32584]

Maybe in your state.  In my state, my premiums are based on MY driving record, not on my neighbors or my uncles or on some kid with an R1, or some Yuppi on a Desmo.

If a rider flyes off a cliff tomorrow my premium stays the same, why?  Because MY driving record is still clear.

I doubt we'll agree on this but whatever. Here's some more info:

Your premiums, just like everybody else, are based on a couple things. Your record and the insurance company's view of riders that have similar bikes. Hence, other people affect you.

...and my '03 999 was cheaper to insure than my '05 S2R.....aka value of the bike has something to do with it.

And stateprez, of course value of the bike has something to do with it. Never said it didnt.

[fwtcc]

Maybe in your state.  In my state, my premiums are based on MY driving record, not on my neighbors or my uncles or on some kid with an R1, or some Yuppi on a Desmo.

If a rider flyes off a cliff tomorrow my premium stays the same, why?  Because MY driving record is still clear.

Your driving record and the type of bike you have.  Cruisers are usually less, because people on cruisers tend to do just, that cruise.  Sport bikes are more expensive because they are faster and some people do tricks on them and almost everyone that has them is going to test the throttle every once in awhile. That kind of thing lends itself to accidents.  Standards are an inbetween.  They can go quick and incite that kind of behavior from their owner or can be ridden fairly comfortable, and the owner can go that route.

If you think your premiums are strictly based on your behavior, get a quote for a 600 shadow. My guess is that it is considerably cheaper.

[jdubbs32584]

Your driving record and the type of bike you have.  Cruisers are usually less, because people on cruisers tend to do just, that cruise.  Sport bikes are more expensive because they are faster and some people do tricks on them and almost everyone that has them is going to test the throttle every once in awhile. That kind of thing lends itself to accidents.  Standards are an inbetween.  They can go quick and incite that kind of behavior from their owner or can be ridden fairly comfortable, and the owner can go that route.

If you think your premiums are strictly based on your behavior, get a quote for a 600 shadow. My guess is that it is considerably cheaper.

You've got it down fwtcc! 

[ducatiz]

The only problem I have with a tier system is my lack of confidence in the government or any bureaucracy to properly distinguish risk compared to model.  I don't know about now, but for a while it cost more to insure a Monster 900 than the obviously faster 748.  Why? 750cc cut off.  I could just see it now, kids buzzing around on 250cc 2 stroke race bikes because they can not ride a 400 standard yet.

Australia does it based on a "kW per kg" ratio.

i.e. a monster 750 is 60 hp and about 415 lbs.  so the ratio is 60/410 or 0.14.  the 748 is about 100 hp and about the same weight, so the ratio is 0.24.

power:weight ratio is very easy for the manufacturer to list on their bikes.  most of them already do it for Australia and other countries.

[ducatiz]

If you think your premiums are strictly based on your behavior, get a quote for a 600 shadow. My guess is that it is considerably cheaper.

...and tell them you are 50 years old and married with a perfectly clean record.

[stateprez]

And stateprez, of course value of the bike has something to do with it. Never said it didnt.

That was actually a general statement, not directed at you.

FYI my insurance company spells "Ducati", "Dekati", so I'm sure they'd have correct performance figures.

[jdubbs32584]

That was actually a general statement, not directed at you.

FYI my insurance company spells "Ducati", "Dekati", so I'm sure they'd have correct performance figures.

Its all cool.


And good lord, DEKATI? Thats just ..... I have no words.

[arai_speed]

OK soo...I'm wrong and your right?   

By your logic, all moto accidents will affect premiums.  So we should be angry at the motorcyclist that got rear-ended and died on the freeway, as that's affecting our premimus?  Or only at squids with R1s?

I'll end this with my first question as nobody answered it.

How did this go from an article attributing an increase in motorcycle deaths due to higher motorcycle usage because of high gas prices to a tiered-license system,  more big brother because of higher CC's, helmet laws +/- and insurance premiums concerns ?

[sbrguy]

2) I don't need more big brother telling me what to do.  Public or Private.  I pay taxes just like everyone else.

3) Helmet laws, yes! If your state does not have one and your are to much of an idiot not to where one, suffer the consequences.  VisceralReaction, sorry about your sis-n-law.

[/quote]

I find this very funny.

in the second part you say "i dont' need big brother telling me what to do"

then in the very next sentence you say you want "helmet laws" last time i checked that is "big brother" telling you what to do.



don't worry we are ALL blatant COMPLETE hypocrits justifying positions on what we think is right and will always no matter what tell others what to do while at the same time not wanting anyone else telling us what to do.

i did the same thing a few postings up.. i just like seeing other people doing exactly what i do.

[ducatiz]

OK soo...I'm wrong and your right?   

By your logic, all moto accidents will affect premiums.  So we should be angry at the motorcyclist that got rear-ended and died on the freeway, as that's affecting our premimus?  Or only at squids with R1s?

nope, we should be angry at the legions of squids on R1s who get tickets for speeding and running red lights and end up in emergency rooms after "wheelie-ing" down the highway at 80 mph.

I'll end this with my first question as nobody answered it.

How did this go from an article attributing an increase in motorcycle deaths due to higher motorcycle usage because of high gas prices to a tiered-license system,  more big brother because of higher CC's, helmet laws +/- and insurance premiums concerns ?

because the recent increase in biker deaths MOST LIKELY is directly attributable to the thousands of newbie riders who have bought a bike due to gas prices and don't have any safety training at all.

that's why.

are you angry that "big brother" paved those roads?  put up street signs?  organized emergency services to scoop your carcass off the highway?   what about how big bro put in those nice sewers so the streets don't flood when it rains, or how he paid engineers to create safe-angle turns for the highway on ramps so you don't wipe out going around the turn?  what about big bro making it so bikers can ride in the HOV lane?  or is this all just too logical for you?

big bro sucks sometimes, but as far as public road safety, i am mostly all for it.

[jdubbs32584]

OK soo...I'm wrong and your right?   

Yes.

By your logic, all moto accidents will affect premiums.  So we should be angry at the motorcyclist that got rear-ended and died on the freeway, as that's affecting our premimus?  Or only at squids with R1s?

No.

See ducatizzz's response.

[arai_speed]

2) I don't need more big brother telling me what to do.  Public or Private.  I pay taxes just like everyone else.

3) Helmet laws, yes! If your state does not have one and your are to much of an idiot not to where one, suffer the consequences.  VisceralReaction, sorry about your sis-n-law.



I find this very funny.

in the second part you say "i dont' need big brother telling me what to do"

then in the very next sentence you say you want "helmet laws" last time i checked that is "big brother" telling you what to do.



don't worry we are ALL blatant COMPLETE hypocrits justifying positions on what we think is right and will always no matter what tell others what to do while at the same time not wanting anyone else telling us what to do.

i did the same thing a few postings up.. i just like seeing other people doing exactly what i do.

The keyword is "more" I don't need "more" big brother.  My state already has a helmet law, and I agree with it, that's not "more" big brother, that's just current big brother and it suffices.

[arai_speed]

nope, we should be angry at the legions of squids on R1s who get tickets for speeding and running red lights and end up in emergency rooms after "wheelie-ing" down the highway at 80 mph.


because the recent increase in biker deaths MOST LIKELY is directly attributable to the thousands of newbie riders who have bought a bike due to gas prices and don't have any safety training at all.

that's why.

And what are you basing this on? Months of scientific research?  Or just your own opinion?

are you angry that "big brother" paved those roads?  put up street signs?  organized emergency services to scoop your carcass off the highway?   what about how big bro put in those nice sewers so the streets don't flood when it rains, or how he paid engineers to create safe-angle turns for the highway on ramps so you don't wipe out going around the turn?  what about big bro making it so bikers can ride in the HOV lane?  or is this all just too logical for you?

big bro sucks sometimes, but as far as public road safety, i am mostly all for it.

Yes I'm very angry....you guys crack me up.  You go from one extreme to the next.  Let's stay on topic here, moto accidents and how big brother relates to that, not how BB relates to  sewers or ramp building.

[arai_speed]

Yes.

Thanks for clarifying, it must be feel good to be right all the time.

No.

See ducatizzz's response.

No?  Only squids R1s??  Wow that's news to me. I'm glad I come to this forum for all the FACTS!