Putting people on ignore lists on a message forum is the online equivalent of this.
But hey, whatever makes you feel better. I don't use ignore lists (never have, never will) because I'm mature enough to just ignore things and move along without the need for the forum software to do it for me. Like water off a ducks back, as they say.
Hardly, I just feel you have nothing to contribute to any discussions on here and that your opinionated rambling posts serve absolutely no purpose other than confusing new riders, shilling your insurance company, bitching and moaning about those younger than you and not contributing to the community in any meaningful way.
I use the ignore list - which is you and one other guy, congrats - because I don't want to be caught reading your nonsense and wasting time forming a reply. Kind of like this one.
Building on what I said in the other thread, it seemed as though State Farm's main problem with SS bikes (a very small part of their entire company) was mainly paying out on theft and medical expenses for the riders. If Rider A hits Car A, Rider A's insurance company doesn't pay out to Car A, they pay out to Rider A. They were still turning a profit off the low rates, but the rates were still artificially low because they used an antiquated rating system that was mainly based on engine size and location. That's why the new rating system comes into play because they know they can raise rates and retain a portion of the market that can afford to pay to play and lose the market which mainly includes people that also theoretically won't have the money to cover their own expenses and are more likely to come after their insurer for a bigger payout. It also lets them tap into the big cruiser and tourer market, who have less incidents per km but more incidents overall to the SS market. With that said, the large displacement low HP market also is generally financially stable, double-insured through their workplace with benefits and salary paid. This means less costs for the insurer.
It also makes SF competitive in the Car and Commercial markets, where the rating system is also getting changed and where they were getting SLAYED by every other company, mainly the Economical Group for years. Desjardins has competitive rates and strong coverage packages, State Farm has fantastic marketing and an international structure, so buying them out but leaving the brand intact is a great business decision for them. The only small market this affects negatively is SuperSport owners and even then, the die-hards will suck it up and pay extra and those that can't afford it will likely move on to different bikes where they will still get competitive rates.
Mind you this is all based on internal documents I don't have access to and a candid talk I had with an Underwriter and Agent, so take it for what it's worth.
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