USA insurance

[VifferFun]

fine you all win... Yes I am confident I wont crash. ever. It isn't hard to drive or ride safely. Even without reading the handbook or taking the license tests I havent learned anything more than I already knew. The only exception is the motorcycle riders course, but that was optional. You all have no one but yourselves to blame for your lack of confidence in driving safely.

I am very confident in my driving/riding ability, but I'm not Jesus. People make mistakes (myself included). People who think they will NEVER make a mistake are overconfident and a hazard on the roads. The idiots in the Civics with the fart cans who drive like they're in Fast & Furious think they're amazing drivers too.

What if you flip the horror story -- would you be happy if a drunk driver t-boned your car and brain damaged your kid, but the idiot who hit you just declared bankruptcy leaving your kid with nothing? Even if we assumed you are perfect, there are some collisions that are impossible to avoid due to the error of another driver.

[cbr125looksfun]

Near miss? Ive been driving for 3 years now, im 20. Ive never had anything of the sort happen to me. I know my vehicles and their limitations. It really isnt hard to drive safely like i said! or maybe the older you get the harder it is, more stress i guess.

[RoadHogg]

Oh man... Yea and lets say your perfect driving ability is such, and someone hit you, both of you have no insurance because they are following your views... then what, he is in a car, has no money to pay you or help you, you sue him (if you can) your left holding the bag for your very extensive medical costs.

[VifferFun]

Near miss? Ive been driving for 3 years now, im 20. Ive never had anything of the sort happen to me. I know my vehicles and their limitations. It really isnt hard to drive safely like i said! or maybe the older you get the harder it is, more stress i guess.

Oh, I didn't realize that you've already had a whopping three years of experience on the road. Clearly that is long enough for you to have been in every adverse situation imaginable on the roadways. Also, three years is definitely long enough that you're now a perfect driver . . . there's nothing left to learn.

Post again in seven years and we'll see if your situation has changed.

[cbr125looksfun]

id say, going through all seasons (1 year) is enough experience to say weather you are confident of being a safe driver or not...
I value my life, so i wont be in a situation where someone is going to hit me and kill me or my occupants. With experience you know where those ones are... you see the accidents on the road that cause the traffic I hate and learn from that as well, what not to do and what to do.

stop with the sueing BS because that isnt going to happen to me. I know one person that has been sued due to an accident so im not denying it is impossible. But it was their fault. They now suffer the consequences. But enough with the ranting. You all love the financial safeguard of your lack of safe habits, so ill leave you to it! Now have a nice unsafe risky day! Thanks the gods for insurance! :/

[VifferFun]

id say, going through all seasons (1 year) is enough experience to say weather you are confident of being a safe driver or not...

That is so wrong it's laughable. Let me hear you say that when you actually have some experience under your belt.

I value my life, so i wont be in a situation where someone is going to hit me and kill me or my occupants. With experience you know where those ones are... you see the accidents on the road that cause the traffic I hate and learn from that as well, what not to do and what to do.

It's a good thing that you can predict the future -- I certainly can't.

stop with the sueing BS because that isnt going to happen to me.

It's wasn't supposed to happen to anyone else who has been sued in the past either.

I know one person that has been sued due to an accident so im not denying it is impossible.

It's not going to happen to you, but it's not impossible?

But it was their fault.

Oh, now your contradiction makes sense. You will never be at fault, therefore you will never be sued.

You all love the financial safeguard of your lack of safe habits, so ill leave you to it!

No, I want the financial safeguard for when I'm hit by overconfident people like you.

[murf]

Near miss? Ive been driving for 3 years now, im 20. Ive never had anything of the sort happen to me. I know my vehicles and their limitations. It really isnt hard to drive safely like i said! or maybe the older you get the harder it is, more stress i guess.

hahahaha

Troll

i bought my first new superbike at 17......been riding for more than 17 years now, no accident, claims and I still buy insurance.......wild huh?

[VifferFun]

hahahaha

Troll

I was thinking the same thing, but I'm not so sure -- some people really are that naïve.

[fergie.g]

I have cousins out west in Washington and they don't require insurance for anything below 1000cc's. Sweet deal I'd say...or not!

[RoadHogg]

Oh man if this guy is real.. LOL damn Like that line from top gun... Never play with children

troll

Damn I hope you never ride next to me. I have gone further backwards than you have forwards. lol

[fergie.g]

My guess is this guy hasn't been down yet. You're one of those guys that ride with just a t shirt and shorts aren't ya? Hmm...don't get too cocky brah.

[DOHC1]

I've always wondered about this..
For those who dont want to buy insurance..What if they registered their bikes in the states? In a state where bike insurance isnt mandatory. What would the legalities be around that if they were pulled over in ontario? Of course they would be held liable in case of an accident..but if they just wanted to be able to scoot around and be invincible riders; wouldnt this be a viable course of action? What about riders who cruise down from a state where insurance isnt mandatory..do they HAVE to purchase insurance to visit toronto?

(By the way, this coming spring will be my first year on a bike, and I fully plan on getting insurance. Not worth the risk IMO)

[Ice Pic]

I think what people are complaining about here Viffer is this. The Canadian Charter of Rights and Freedoms vs The Constitution of the USA. At one time, both were for the most part equal. That has changed a lot, and is continuing to change. Canada is becoming less and less a free country.

We "should be" guaranteed the rights to freedom of speech, expression, and the right to "fair and affordable" insurance for our possesions. Currently we are not afforded that right...in "a free country."

Nothing personal Viffer, but you work for a flawed institution that is soon going to fail. Canadian's (hopefully) will soon start to revolt and refuse to pay these ridiculous rates. Some kid, or kids will take it upon themselves to ride without insurance. That is purely an expression of the fact that they are supposed to live in a free country, and as such have the right to drive a motorcycle. But a ridiculous $5000.00 insurance policy for basic insurance says they cannot drive a motorcycle.

Do Canadian kids not deserve the same rights as those south of the border?

I already know some young guys that drive without insurance, and run from the cops. This is a trend that's growing and only going to grow more as the law suppresses freedoms of young people even more. It's pure discrimination and (as I see it) a violation of rights and freedoms.

If I was twenty and facing $5K for basic insurance, and I didn't pay it (which I wouldn't), I would argue in court that I simply couldn't afford it, and my charter rights were being violated. And I could state that with absolute truth. It's a legitimate defense that any lawyer could take to the higher courts of Canada.

[turbodish]

I think what people are complaining about here Viffer is this. The Canadian Charter of Rights and Freedoms vs The Constitution of the USA. At one time, both were for the most part equal. That has changed a lot, and is continuing to change. Canada is becoming less and less a free country. We should be guaranteed the rights to freedom of speech, expression, and the right to "fair and affordable" insurance for our possesions. Currently we are not afforded that right.
Do Canadian kids not deserve the same rights as those south of the border?

There is no US Constitutional right to "fair and affordable" insurance rates.

I already know some young guys that drive without insurance, and run from the cops. This is a trend that's growing and only going to grow more as the law suppresses freedoms of young people even more. It's pure discrimination and (as I see it) a violation of rights and freedoms.

If I was twenty and facing $5K for basic insurance, and I didn't pay it (which I wouldn't), I would argue in court that I simply couldn't afford it, and my charter rights were being violated. And I could state that with absolute truth. It's a legitimate defense that any lawyer could take to the higher courts of Canada.

There is no Charter right to a driver's license, no Charter right to own a vehicle, and no Charter right to cheap insurance. The provinces have a Constitutional right to set the conditions by which a license is issued or revoked, and to set licensing regimes and conditions by which a vehicle is permitted to operate on public roads.

[omnivore]

If you can opt out, everyone else can too.......And when some uninsured cage driver runs you on your CBR125 over and leaves you a drooling human paper weight, he too can just go bankrupt and leave you on welfare or disability, with the gov't picking up the tab to feed you and change your ****** diapers forever too huh?

[Ice Pic]

You are quoting me as literal Turbo, don't. The post is facetious, but written in the spirit of what "should be" in a free country and what people are really complaining about here. Forget the stats, and get to the point!

The motorcycle industry is disappearing in Canada. Look at how many dealers have closed shop just this year. And the trail all leads back to no other reason than "insurance."

Person wants motorcycle.
Person shops for motorcycle.
Person shops for insurance.
Person finds out insurance costs more than the motorcycle.
Person doesn't buy motorcycle.

Canadian insurance co's are stupid in that they have the right (through socialism) to basically charge whatever they want with little to no competition, effectively killing the industry that they were profiting from.

American's don't have or believe in socialism, therefore there is cut-throat competition for "your" business in the insurance industry.

Lower insurance rates equal more disposable income to support:

the car industry
the housing industry
the restaurant industry
the tourism industry
etc.

....making for a strong economy.

Unlike the strapped Canadian.

$5000.00 for Liabilty insurance!

It's ironic that people emigrate to Canada thinking they're going to have freedom, only to find out they had more freedoms in their own native country. Less wealth maybe, but more freedoms.

Young drivers need to lobby the govt if they want change. As with most Canadian's they just pay the premiums and do what their govt tells them. Canadian's are the most docile people on the planet. Their govt knows this, and tells them what to do, and they do it.

If you all want change, you have to create that change. It's actually very easy to do.

There is no US Constitutional right to "fair and affordable" insurance rates.




There is no Charter right to a driver's license, no Charter right to own a vehicle, and no Charter right to cheap insurance. The provinces have a Constitutional right to set the conditions by which a license is issued or revoked, and to set licensing regimes and conditions by which a vehicle is permitted to operate on public roads.

[caboose483]

Once again Ice Pic can't see the forest for the trees. The right to ride a motorcycle? The right to cheap and affordable insurance? Where does he come up with this crap?

My first bike was an EX500. I was looking at the early 90's ZX-7s but insurance was too high so I started looking at other bikes. There's a reason why insurance for a n00b on a new GSXR600 is that high, there's a reasonably good chance that a n00b on a bike like that is going to crash. Further, a quote of $5000 for basic liability is the insurance company's way of saying they don't want to insure them. Maybe they should be looking at a different bike... The first year i rode, i was 16 with zero riding experience and I was paying $1400 a year for basic liability. The ZX-7 would have been $3500.

Shop around. If they're too stupid or lazy to shop around, then thats the bed they made. Sleep in it.

The American insurance system isn't that great either. Imagine getting into an accident with someone who doesnt have insurance. It's clearly their fault, the police write them up as such, but then you have to take them to court to get a dime out of them. It turns out they're flat broke, they don't have any money to give you at all so even though it's their fault and everyone knows it.. they have no insurance and no money so you have to pay for it. Wouldn't that be wonderful if Canada was like that? Ya right.

Frankly, as motorcycle riders we should be thankful that we have the extensive coverage that we do. Motorcycle accidents often lead to knee, ankle, leg injuries that can take a while to recover from. What would you people do if you destroyed your knee and were not able to walk for 3 months? You couldn't work and you could barely wipe your own ***. How would that work out for you?

Shop around.... and stop whining.

[Ice Pic]

Looks like Ice Pic has yet another stalker.

Read between the lines. What I do for a living is create change. I'm an idealist. The right to affordable insurance is perfectly legitimate in a first world country.

You are right, the $5K is the insurance co's saying "no." Young people are paying for the sins of other's before they get a chance to prove themselves.

A lot has changed since you got your license.

Did you not notice there were about exactly "half" the motorcycles on the road this past summer, as 2009.

Here's a fine example of what I'm writing about. A Canadian that not only won't speak up against the insurance co's for his fellow biker, but supports these colluded rip-off artists.

Canada used to supply K-Y Jelly, or even Vaseline, now they just dry-@#!$% you. And it appears that some of you actually enjoy it.

Once again Ice Pic can't see the forest for the trees. The right to ride a motorcycle? The right to cheap and affordable insurance? Where does he come up with this crap?

My first bike was an EX500. I was looking at the early 90's ZX-7s but insurance was too high so I started looking at other bikes. There's a reason why insurance for a n00b on a new GSXR600 is that high, there's a reasonably good chance that a n00b on a bike like that is going to crash. Further, a quote of $5000 for basic liability is the insurance company's way of saying they don't want to insure them. Maybe they should be looking at a different bike... The first year i rode, i was 16 with zero riding experience and I was paying $1400 a year for basic liability. The ZX-7 would have been $3500.

Shop around. If they're too stupid or lazy to shop around, then thats the bed they made. Sleep in it.

The American insurance system isn't that great either. Imagine getting into an accident with someone who doesnt have insurance. It's clearly their fault, the police write them up as such, but then you have to take them to court to get a dime out of them. It turns out they're flat broke, they don't have any money to give you at all so even though it's their fault and everyone knows it.. they have no insurance and no money so you have to pay for it. Wouldn't that be wonderful if Canada was like that? Ya right.

Frankly, as motorcycle riders we should be thankful that we have the extensive coverage that we do. Motorcycle accidents often lead to knee, ankle, leg injuries that can take a while to recover from. What would you people do if you destroyed your knee and were not able to walk for 3 months? You couldn't work and you could barely wipe your own ***. How would that work out for you?

Shop around.... and stop whining.

[caboose483]

Looks like Ice Pic has yet another stalker.

Read between the lines. What I do for a living is create change. I'm an idealist. The right to affordable insurance is perfectly legitimate in a first world country.

You are right, the $5K is the insurance co's saying "no." Young people are paying for the sins of other's before they get a chance to prove themselves.

A lot has changed since you got your license.

Did you not notice there were about exactly "half" the motorcycles on the road this past summer, as 2009.

Here's a fine example of what I'm writing about. A Canadian that not only won't speak up against the insurance co's for his fellow biker, but supports these colluded rip-off artists.

Canada used to supply K-Y Jelly, or even Vaseline, now they just dry-!@#$% you. And it appears that some of you actually enjoy it.

Ironic that you think someone is stalking you. Maybe you should leave some of the girls on this site alone as your daily PMs and emails are not welcome.

Do you have any references to substantiate these claims you make or did you just pull them out of fat air? Perhaps the decrease in motorcycle (a luxury item) has something to do with the current economy... perhaps..

Nothing has changed since i got my license.

[bitzz]

I wish I was still young and still knew everything.

Those were good times!