NJ motorcycle riders

Discussion in 'The Bar' started by Stew Nod, Dec 29, 2015.

  1. Stew Nod

    Stew Nod Hello VIP

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    Are you aware that your motorcycle policy probably provides zero coverage for personal injury? :eek:
     
  2. Stew Nod

    Stew Nod Hello VIP

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    I just recently discovered this.....is it like that in other states?
     
  3. BLOW ME

    BLOW ME Well-Known Member

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    Yes
     
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  4. Chief2Kick

    Chief2Kick I'm all sixes & sevens & nines Staff Member

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    Very few do along with auto insurance which usually only covers medical cost of others that are injured.
     
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  5. Tickle Shits

    Tickle Shits Special Needs Typist. Gold

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    Yep if you're lucky enough to live you be in a ton of debt.. I sold my bike about 8 years ago for this very reason.... Not to mention that the first two question they ask for life insurance is. 1) do you fly a plane and 2) to you ride a motorcycle. I did both :) I have a million dollar umbrella to cover my house, boat and car.
     
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  6. Gitfiddle

    Gitfiddle Live Deliciously

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    Are you also aware that your beard looks like an erect penis, you melvin?
     
  7. Stew Nod

    Stew Nod Hello VIP

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    No beard here, sir :fil:
     
  8. Stew Nod

    Stew Nod Hello VIP

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    Seems kinda crazy
     
  9. Stew Nod

    Stew Nod Hello VIP

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    Pussy
     
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  10. Stew Nod

    Stew Nod Hello VIP

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  11. newcastlefan

    newcastlefan גֵּרְשֹׁם VIP

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    you don't have normal medical insurance? its called catastrophic coverage. its what covers your medical when you are in any accident, not just ones you cause.

    i had a fight with a subway car last July: do you think they have subway train rider's insurance?
     
  12. Gitfiddle

    Gitfiddle Live Deliciously

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  13. Stew Nod

    Stew Nod Hello VIP

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    Yes, I do....I had no idea it worked that way
     
  14. Mack

    Mack Well-Known Member

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    [​IMG]


    We got Richie Rich up in this bitch!
     
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  15. newcastlefan

    newcastlefan גֵּרְשֹׁם VIP

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    its the part of insurance that Obamacare was actually supposed to cover: you are supposed to take care of yourself from day to day (it's called "wellness" now) and the medical is supposed to cover things you have no control over so that you are not bankrupted by the cost of care. For my medical i am supposed to maintain my normal everyday health but should something unusual and unexpected (like an accident) happen such medical is supposed to cover the treatment while limiting how much i have to pay out of pocket. its really why ER rooms ask for your insurance coverage info.
     
  16. Stew Nod

    Stew Nod Hello VIP

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    Lula :jj:
     
  17. Stew Nod

    Stew Nod Hello VIP

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    I always assumed that car insurance covered injuries that happened while driving
     
  18. newcastlefan

    newcastlefan גֵּרְשֹׁם VIP

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    umbrella policies are typically cheap as they kick in after your normal home insurance. you pay insurance which covers liability and property loss on your house. the insurance company typically offers you an umbrella policy on top of that to cover further liability for a few bucks more. pretty sure it does not cover your medical but the your liability should someone else be hurt, like if someone slips on the ice on the sidewalk outside your house. i dont think you can file a claim should you hurt yourself on your own property since that would require that you sue yourself.
     
  19. newcastlefan

    newcastlefan גֵּרְשֹׁם VIP

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    nah. car insurance covers damage to your car and damage you cause to others assuming you have liability also. generally your policy says they are the secondary insurer and if you have a medical claim that will go to your medial coverage first. same thing happens with property losses: if you file a claim for lost property they will say that your home policy covers first then they kick in after.
     
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  20. VarmintSam

    VarmintSam Well-Known Member VIP Gold

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    Insurance is just meant to cover other party if you are at fault. The minimums in most states is a joke.