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You can take my advice which comes with over 20 years insurance experience and file it where you want. I add my two cents here and that's all I can do.

Wrong. It's the same policy that insures cars and motorcycles.

There are many conditions that apply to this section of the policy. Refer to Section 2 of the Ontario Automobile Policy. You're over simplifying it, but you're on the right track. And yes, since motorycles are also insured in accordance with the "Ontario Automobile Policy" the same...

A couple points 1) If you're not at fault this is a DCPD claim (Direct Compensation Property Damage). Under this section of your insurance policy there is no exclusion for driving without a valid license. So, if you were not at fault the damages to your motorcycle will be covered. So will...

That's absolutely disgusting. Yuo can make a complaint to the GIO and they have to investigate, they generally however require that you get a "Final Position" letter from your insurer first. In your case however it's tough to get that when you can't even get a call back. You may also want...

Don't confuse the OP with any facts. Just tell him he's right, insurance is retarded and let him wallow in his ignorance.

I am an insurance expert. And I'm telling you as long as you're up front you can take whatever you want off the car. It's simple you only claim what's left. Take the damn engine if you want, just let your adjuster know and they will adjust their valuation of the car / motorcycle. But, if...

It's not illegal, as long as it's agreed to up front when the determination of the value of the bike is made. It happens all the time with cars, customer removes his fancy rims and tires and puts the factory ones back on.

Why don't you just tell the truth to your insurance company like the rest of us and pay the appropriate premiums. Every time someone like you lies to your insurance company about what bike you ride or what bike your Dad rides my premium goes up. I know you're going to blame the insurance...

Theft is included with comprehensive. It's a personal choice. Comprehensive coverage covers everything that can happen subject to certain exclusions (i.e. collision, upset, rusting, wear and tear and a number of other things). Ask yourself this. If something happens to my bike and I'm now...

Congrats a couple people here have actually hit the nail on the head. Usually people take threads like this as a way of slamming the insurance companies and the thread just disintegrates into a hundred different reasons for people to hate insurance companies.

Love my 03 Sprint ST 955. People always think since it's a Triumph it's an exotic bike.

It sounds like an unequal application of the law. Why did Dan Akroyd get a warning for doing 70 on a 50km/h. He can surely afford to pay the fine. Would I get the same warning? Would my ticket be reduced? Would I get the full ticket of 70 in a 50? Who kmows? Does this kind of kangaroo law...

His bike will qualify as a "Temporary Substitute Vehicle" under your policy. Whatever coverages you have on your motorcycle will flow to cover his motorcycle. Therefore, your policy is now covering his motorcycle, no ownership transfer is necessary.

Just call GO Transit, tell them what happened, let them investigate and see if they're prepared to make any offer for your damages. They may try and blame you for the accident (first rule of liability is deny, deny and then deny).

Seroiusly, Dan Akroyd can afford to pay the fine. Why did he get a warning. Two colleagues got tickets this week. Both for 60 in a 50. One was reduced to 60 the other wasn'ty reduced. C'mon, it's a joke. Speeding tickets are all about generating revenue and have little to do with safety.

And yet Dan Akroyd, on his was to the Honda Indy, gets caught doing 70 in a 50 and gets a warning. What's up with that? What is the officers criteria for reducing the ticket, giving a warning and screwing you as hard as he can? Speeding laws are the biggest joke and give rise to a very...

And people wonder why their premiums are so high. This is why.

Assuming this happened in Ontario and the other driver had a valid Ontario Automobile Policy on her vehicle this claim would be considered a DCPD claim (Direct Compensation Property Damage). In this case you're entitled to your repairs (or the actual cash value of the motorcycle if it's...

Your insurance, assuming you already had another car with coverage on it, would extend to this new car as a "newly acquired vehicle", subject to certain conditions. It's outlined in Section 2 of the Ontario Automobile policy. Send me a PM if you want, I'll need a little more info (i.e...