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    What does Primmums accident forgivness really mean?

    Accident forgiveness means that if you are in an At-Faul collision, you wold be forgiven for that accident for 6 years and would not be surcharged for it. Having a ticket however has no impact on Accident forgiveness. I am assuming that you are at fault in this accident since you disobeyed a...
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    Crashed my car today,im charged, temp sticker, what do I do? first accident

    As someone already stated. You have 14 days to notify your insurance company when you've added or replaced a vehicle. This means that you would be covered since it was on your first day of owning the car. Also you getting a ticket does not impact a claim. We have different rules when judging an...
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    Parking Insurance

    Motorcycle insurance is seasonally rated. Meaning that you have used 90% of the coverage during the summer months. Should you cancel during the winter you would owe money. If you cancelled before summer after renewal you would get a refund. So putting it on comp (fire &theft) would not change...
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    Insurance Help - 2011 Yamaha Stryker

    Hey, I sent you a PM last night.
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    To claim or not claim?

    Hi Nyx, I would get an estimate first. See how much it would cost to repair or replace the fairings if need be. Call the insurance company to find out what your deductible is. If it is significantly lower than than the cost to replace or repair then put in a claim. Even though comp claims do not...
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    Recently obtained full M after foolishly letting M2 expire.

    Hi dbworld4k, If I were writing you a policy, I would have to take into consideration how long you have had motorcycle insurance history, you auto history for any At-Fault accidents. Also I would tell you that if you are looking at a sport bike a car OR house would have to come over. But since...
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    Yet another insurance question! Underwriter fault?

    Correct, but they would still need to send out a notice with the cancellation date, and it must be 14 days out.
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    Yet another insurance question! Underwriter fault?

    By law an insurance company has to notify you by registered mail that they are dropping you. You should have time to look for other insurance. Since the reason for dropping you is an "Underwriting Fault" it would not count against you. As to why the price with State Farm has gone up, it's...
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    Any companies insure bikes that aren't ridden on the street (comprehensive only)?

    Hi Relaxo, There is specialty insurance for that type of risk and you must qualify. Most collectors insure them as collectors items or antiques. If you are insuring something like a show car, there is also coverage for that with some specialty carriers, but once again they would have to abide...
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    Any companies insure bikes that aren't ridden on the street (comprehensive only)?

    Hey Relaxo, I have sent you an email.
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    Does it count against you if you cancel mid policy to switch companies?

    When you cancel, it never counts against you! It only counts against you when an insurance company cancels you and they have to notify you by registered mail. Also, please keep in mind that you can cancel at any time, although there may be a cancellation fee depending on which company you are...
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    Auto insurance question -- primary drivers

    Hi Mike, Yes you can exclude her from the other car that you want to purchase and then she would be the occasional on the primary car since she is not driving that much. The other posters are right tho, if she is excluded from the other she will never be able to drive and both of you would have...
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    m2 to full M

    This is with having a Full M.
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    m2 to full M

    Hey, I know with Allstate you can get a 30% discount (Elite Rider Discount) when you have had your M license for 4+ years and have a car with us.
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    ? For an insurance agent

    Hey, whats your question?
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    Questions about at fault acciddents and claims

    At fault or Not At Fault determination is not determined by the police. So even if you have a ticket for whatever reason you can be not at fault. FSCO which governs insurance companies have their own determination rules, which is what insurers use to say whether who is wrong or not.
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    Questions about at fault acciddents and claims

    There is no deductible for DCPD. The way DCPD works is that if you are 100% not at fault you claim 100% under DCPD. if you are 75% not at fault you claim 75% under DCPD and 25% under Collision(if you have that coverage). if you are 50% not at fault then you it is paid 50% under DCPD and 50%...
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    Questions about at fault acciddents and claims

    Since SF is screwing over everyone with their new rates, I need to start shopping for insurance again after 8 years and I forgot all the details. Just wanted to clarify a few things before I decide on full coverage or just liability + fire/theft on the new insurance. First, my bike and car...
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    At-fault accident looking for insurance

    Hey 101101, I know with us we would not surcharge you on the bike, but you would get surcharged on the car (assuming you are riding a sport bike). Did you contact your insurance company find out what exactly happened since you do not remember. May take some doing but I would do that to get as...
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    $5000 increase with Intact Insurance

    Hi Matthew, Can you give me a call tomorrow? I will be in the office from 10AM. 519-471-1900 Ext 5011. Lets see if I can help you out. Shouldn't be a problem since you have been licensed so long and are over 30. Looking forward to hearing from you.
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