Everyone should read this..

[VifferFun]

Please explain how some US states have ZERO insurance requirements for bikers. Florida is such a state. There population for that 1 state is greater than Ontario so in theory a lot more accidents.

They also do not have free medical care like we do.

Once again, how can people there function.
If you did want insurance, then it's magically $250 or so for the year for a sport bike. Their season is 365 days of riding.

Please answer that scenario.

As Avi mentioned, read my sitcky . . . it's all explained. Also, OHIP does not pay for auto injuries . . . medical bills related to auto claims are the responsibility of the insurance companies.

[2smokewilleh]

Please explain how some US states have ZERO insurance requirements for bikers. Florida is such a state. There population for that 1 state is greater than Ontario so in theory a lot more accidents.

They also do not have free medical care like we do.

Once again, how can people there function.
If you did want insurance, then it's magically $250 or so for the year for a sport bike. Their season is 365 days of riding.

Please answer that scenario.

You are just arguing for the sake of argument, and are obviously not absorbing ANY of the information that we've been providing.. In florida, you pay $250 a year because the max your insurance will cover if you get injured in the accident is $10,000 all inclusive.. everything. And if you need more, you sue for it.

Not like in ontario where the med/rehab alone is $100,000 plus other benefits possibly another 2-300,000.

[VifferFun]

You are just arguing for the sake of argument, and are obviously not absorbing ANY of the information that we've been providing.. In florida, you pay $250 a year because the max your insurance will cover if you get injured in the accident is $10,000 all inclusive.. everything. And if you need more, you sue for it.

Not like in ontario where the med/rehab alone is $100,000 plus other benefits possibly another 2-300,000.

If we could cap the payments at $10K here, we could offer insurance for peanuts. $250 seems like a ripoff for that coverage.

[2smokewilleh]

Florida has the kind of thing that we'd like to have. The government doesnt dictate what kind of coverage the insurance company can offer, so they can sell you as basic of coverage as possible, and you can add increased coverage at a price. If you have medicare and don't care about medical costs caused by a car accident, you could get a basic liability only coverage, which only covers liability and nothing else, no injuries, no property damage, nothing. You get what you pay for there... If you were to get optional coverages to have equal benefits to what we have in ontario, you'd probably pay about $12,000 a year.

[VifferFun]

Florida has the kind of thing that we'd like to have. The government doesnt dictate what kind of coverage the insurance company can offer, so they can sell you as basic of coverage as possible, and you can add increased coverage at a price. If you have medicare and don't care about medical costs caused by a car accident, you could get a basic liability only coverage, which only covers liability and nothing else, no injuries, no property damage, nothing. You get what you pay for there... If you were to get optional coverages to have equal benefits to what we have in ontario, you'd probably pay about $12,000 a year.

It sounds like Florida's medical care is different from ours though. Rather than being covered by a Government-paid medical care system (i.e. OHIP), each person in Florida is responsible for purchasing their own medical coverage. It sounds like their medical insurance policies will cover motor-vehicle accidents, where as in Ontario the OHIP program does not. If OHIP covered motor-vehicle accidents, our taxes would be much higher.

[AFJ]

It sounds like Florida's medical care is different from ours though. Rather than being covered by a Government-paid medical care system (i.e. OHIP), each person in Florida is responsible for purchasing their own medical coverage. It sounds like their medical insurance policies will cover motor-vehicle accidents, where as in Ontario the OHIP program does not. If OHIP covered motor-vehicle accidents, our taxes would be much higher.

OHIP does cover all costs involving the medical care (doctor, nurse, other professional services) hospital and mental hospital care, air ambulance transport, some ambulance and some professional home nursing care when related to motor vehicle accidents.

Some minor subrogation does happen in regard to OHIP recovering money from insurers or at-fault parties for certain personal injuries - not necessarily motor vehicle ones - but this is relatively infrequent and was only about $12 million last year.

AFJ

[2smokewilleh]

OHIP does cover all costs involving the medical care (doctor, nurse, other professional services) hospital and mental hospital care, air ambulance transport, some ambulance and some professional home nursing care when related to motor vehicle accidents.

Some minor subrogation does happen in regard to OHIP recovering money from insurers or at-fault parties for certain personal injuries - not necessarily motor vehicle ones - but this is relatively infrequent and was only about $12 million last year.

AFJ

Ohip does not cover: Chiropractic, Physiotherapy, massage, medication, $45 of ambulance bill, damage to clothing, home/attendant care, casts/bandages, assistive devices, home modifications, specialist asssessments, dental damage including TMJ dysfunction, housekeeping/home maintenance, lost educational expenses, income replacement, caregiver assistance.... These makes up the majorityof the claim costs.

[AFJ]

Ohip does not cover: Chiropractic, Physiotherapy, massage, medication, $45 of ambulance bill, damage to clothing, home/attendant care, casts/bandages, assistive devices, home modifications, specialist asssessments, dental damage including TMJ dysfunction, housekeeping/home maintenance, lost educational expenses, income replacement, caregiver assistance.... These makes up the majorityof the claim costs.

The problem with the accident benefits - as written in motorcycle insurance policies - is that many riders, such as myself, cannot claim a good portion of these after having an accident. And yet we have to pay the same amount of premium, even though our potential benefit claims would be small as to be almost laughable.
This arises because motorcycle insurance accident benefits are not "first loss" insurance.

It appears that the largest portion of the cost of the bigger accident benefit claims arises from the large number and size of "assessment costs" indulged in by the injured person and the insurance companies in their struggles over what constitutes necessary treatment.

AFJ

[2smokewilleh]

Why can't a motorcycle claim any of these? They are available to any person involved in a motor vehicle accident. Truck, Car, Snowmobile, Motorcycle, ATV, pedestrian struck by car... all. Everyone is covered by the SABS, and there are no restrictions in access to benefits because of the vehicle on which you were on...

Infact, motorcyclists probably use more of these benefits than most people. I handle Accident Benefits claims, I would know...

I'd say 7 out of my top 10 claims which have had the most payments to date are for motorcyclists - they tend to get more injured than car accident victims..

[Avi Singh]

The problem with the accident benefits - as written in motorcycle insurance policies...

A motorcycle policy is the same as a car policy. It is the "Ontario Automobile Insurance Policy."

There is no difference between what you can claim against the car vs. the bike.

[rukus]

The problem with the accident benefits - as written in motorcycle insurance policies - is that many riders, such as myself, cannot claim a good portion of these after having an accident.

i can 100% attest that motorcycle coverage DOES cover for all or any of those losses stated.

[VifferFun]

The reason why your Accident Benefits premium is so high on your motorcycle insurance policy is because it is claimed against even more than auto policies are. It doesn't take a genius to figure out why. Check your motorcycle insurance policy . . . I can bet that AB is your most expensive coverage.