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Your underderstanding is correct, unless the Newly Acquired Motorcycle is a "Replacement" vehicle for one of the other motorcycles on your policy in which case there is no requirement to have all your vehicles insured with the same company. There are effectively two types of Newly Acquired...

I am with Allstate and have made claims with them in the past. They are very fair.

And I the USA the liability limit may only be $25000, which doesn't go too far when your pretty little girlfriend falls off the back and sues you for $1Million. And has been reported many times in the past, when you become a quadriplegic after hitting a bridge you will be happy to have our...

If your parents have insurance with Allstate i.e. home and auto insurance, they may insure you.

The other driver will deny it, therefore rather than being a DCPD claim on your policy which will not have a deductible, it will be a not at fault collision claim and subject to your deductible. Sorry bout your luck.

If you get into a collision will you really want to get the bike fixed or replaced? You may be more worried about getting your body together rather than the bike.

Reversing, get ready to be 100% at fault. The best bet here is to try and settle directly with the other driver.

If you're an "old man" Allstate will be more willing to take you on. They tend to focus more on the rider rather than the bike now. Of course a SS will still be more to insured than a Shadow, but at least they will take you on.... as long as you have other support policies with them.

Is this concept really that difficult to understand. If you prefer they could sell you a policy that runs from April - October for $2000 and another one from Nov - March for $100

For those who think insurance companies are money making machines why don't you invest all your money in their stocks. Dividends and capital gains must be awesome.

Who was the agent that wouldn't write your policy?

In the scenario you described you better have either collision or comprehensive on the motorcycle depending on what happened in the catastrophic loss (I also assume you are the owner of the car, trailer and the motorcycle) If you changed the scenario slightly, say you were in a not at fault...

Not to be too technical but it's not the issue of the "a" it's that you got the numbers wrong. 27 versus 28.

The Yankee's insurer would bump up his minimum coverage to match our minimum limits. In your example he has $25K liability coverage. He comes up to Ontario and causes $199K damage to a bridge or something his insurer will bump him up to having $200K liability coverage. Same for us there...

From the standpoint of rating i.e. your premiums going up this would be considered an administrative suspension and would not affect your premiums. if there were unpaid tickets such as speeding etc the speeding tickets would affect the premiums. Of a bigger concern though is the coverage that...

I applaud the OP for looking at a reasonable starter bike and not a litre bike. The at fault collision will really hurt. Better wait a year or two. And I don't recommend you put the bike in your fathers name. Insurer will investigate that little scam and you may end up paying dearly one day...

Recent decision from the court of appeal that ATV's need insurance if ridden on a whighway.

Two questions here by the OP as I see it 1) Who pays for the bridge. The simple answer is the truck drivers insurer does as well as all the fire dept charges, emergency clean up etc. Despite the driver being in contravention of his policy (driving drunk) the insurer is absolutely liable...

if you burn yourself on your own hot exhaust that would be covered under the Accident benefits portion of your policy. As for the OP question, it's way too simplified to give an exact answer how the courts would rule in this case. There was so many unanswered questions that would need to be...

I don't recommend giving a false address to get a reduced insurance premium. This is one of the more common scams going around today and one of the ones insurers will investigate quite aggressively.