No-fault isn't working for motorcyclists

[Renboy]

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What's wrong with this picture ?

The problem is that you're assuming:
1. There is another vehicle involved
2. It's the driver of the other vehicle that caused the accident

Reality is that about half of motorcycle accidents are single vehicle accidents that the riders insurance company has to pay for. And as was posted earlier, motorcycle accidents have a higher tendency to be life altering than car accidents. When it is a multi-vehicle accident, it isn't always the drivers fault. You're prepaying for your mistakes.

 

[F3800RC]

What's wrong with you? All you do is post negative comments that add no value to this forum. Everyone who makes a claim "sucks" more money than they put in. That's how the system works, pretty much like a casino - everyone ante's up and hopes they DON'T win the jackpot. But when someone does make a valid claim, the house still comes out ahead because it was factored into everyone's premiums. And by the way, my physiotherapy didn't come close to the $65,000 minimum coverage I was force to pay for. STD, LTD and prescriptions are covered by my employer's plan. Of the remaining statutory benefits, I'm ineligible. So tell me, what's wrong with dropping coverage that I'll never be able to claim? I guess you're happy to pay for something you'll never receive? Because I have a bridge for sale.

So now you know you will never have a claim that needs the highest limit available? Are you Psychic?
My posts aren't negative they are informational. If you don't like the information that doesn't make it negative

 

[Relax]

So now you know you will never have a claim that needs the highest limit available? Are you Psychic?
My posts aren't negative they are informational. If you don't like the information that doesn't make it negative

There's nothing psychic about knowing that I am ineligible to claim most of the SAB's because I have coverage elsewhere. Now if I ever left this employer and lost that coverage, that's a different story - I would gladly pay either my vehicle insurer or a third party health insurer for those benefits, whichever is more reasonable.

 

[F3800RC]

There's nothing psychic about knowing that I am ineligible to claim most of the SAB's because I have coverage elsewhere. Now if I ever left this employer and lost that coverage, that's a different story - I would gladly pay either my vehicle insurer or a third party health insurer for those benefits, whichever is more reasonable.

Unless you check on a daily basis you will have no idea if your employer cancelled or diminished your benefits and therefore buying the highest limits you can will protect you against that possibility,
You are trying to save pennies by catching a falling knife and it's not a good idea

 

[Relax]

Unless you check on a daily basis you will have no idea if your employer cancelled or diminished your benefits and therefore buying the highest limits you can will protect you against that possibility,
You are trying to save pennies by catching a falling knife and it's not a good idea

Our healthcare benefits are contracted annually and don't change without notice. Maybe you get a discount for being in the insurance industry, but it's not pennies to the rest of use who aren't.

 

[F3800RC]

Our healthcare benefits are contracted annually and don't change without notice. Maybe you get a discount for being in the insurance industry, but it's not pennies to the rest of use who aren't.

Our healthcare benefits are contracted annually and don't change without notice. Maybe you get a discount for being in the insurance industry, but it's not pennies to the rest of use who aren't.

sure but mistakes can be made and notices can be missed . No I get no discounts , doesn’t work that way

 

[Relax]

sure but mistakes can be made and notices can be missed . No I get no discounts , doesn’t work that way

We're getting away from the point - we should be able to opt out just like we can opt out of collision or comprehensive coverage.

 

[F3800RC]

We're getting away from the point - we should be able to opt out just like we can opt out of collision or comprehensive coverage.

you having to pay for collision or comprehensive damages to your property only impacts you. Letting people opt out and having taxpayers possibly foot the bill of an uninsured or underinsured person for rehab and lost income affects everyone . Not the same thing

 

[moarmoto]

Hmm my employer has pretty good benefits. I should check.

Sent from my SM-G930W8 using Tapatalk

 

[Relax]

you having to pay for collision or comprehensive damages to your property only impacts you. Letting people opt out and having taxpayers possibly foot the bill of an uninsured or underinsured person for rehab and lost income affects everyone . Not the same thing

Then let us opt out if we have equivalent coverage already. We're going around in circles.

 

[F3800RC]

Then let us opt out if we have equivalent coverage already. We're going around in circles.

the point being you can’t guarantee the coverage will be there from your benefits, lets say you quit or get fired and before you get a new job with benefits you have an accident and need rehab and income replacement. If you were allowed to opt out of mandatory AB coverage who would pay? the system was set up to make sure everyone is covered. Same reason why there is coverage for uninsured motorists even though in my opinion they don’t deserve it . We had a client who was hit by a drunk , unlicensed , uninsured guy living in his van who ran a red light and was catastrophicslly injured. Our clients insurance paid out 3 million to the guy for long term care . You can’t leave people without insurance .
you are chasing peanuts while potentially leaving your self uncovered if you were allowed to opt out

 

[ricplayer]

Unless you check on a daily basis you will have no idea if your employer cancelled or diminished your benefits and therefore buying the highest limits you can will protect you against that possibility,
You are trying to save pennies by catching a falling knife and it's not a good idea

Dude, you’ve got to slow down and listen to what he is saying.

Employers can’t just “diminish” or cancel coverage without it’s membership knowing. If benefit packages change, employees are given some form of notice or warning. Even with 100% employer sponsored packages, they will notify you.

 

[F3800RC]

Dude, you’ve got to slow down and listen to what he is saying.

Employers can’t just “diminish” or cancel coverage without it’s membership knowing. If benefit packages change, employees are given some form of notice or warning. Even with 100% employer sponsored packages, they will notify you.

Well you are just wrong about that. if that was the case then employee benefits liability insurance wouldn’t be a coverage you can buy. This covers an employee if the employer makes a mistake like not adding them to the benefits , not adding the proper coverage or deleting them incorrectly from the coverage, there are many examples of this happening. There is no law that says your employer has to offer you benefits or tell you if they reduce coverage . Maybe in a union contract shop but not in every business. You want to rely on the employer telling you? Bad idea.
i don’t need to slow down you all need to learn .

 

[ricplayer]

Well you are just wrong about that. if that was the case then employee benefits liability insurance wouldn’t be a coverage you can buy. This covers an employee if the employer makes a mistake like not adding them to the benefits , not adding the proper coverage or deleting them incorrectly from the coverage, there are many examples of this happening. There is no law that says your employer has to offer you benefits or tell you if they reduce coverage . Maybe in a union contract shop but not in every business. You want to rely on the employer telling you? Bad idea.
i don’t need to slow down you all need to learn .

well, my life long friend who has been selling group policies for 30 years tells me otherwise. Since there is zero chance of having a conversation with you, I guess I need to bow to your greatness.

World dumb, F3800RC smartest.

the ignore button is a beautiful thing.

 

[TK4]

well, my life long friend who has been selling group policies for 30 years tells me otherwise. Since there is zero chance of having a conversation with you, I guess I need to bow to your greatness.

World dumb, F3800RC smartest.

the ignore button is a beautiful thing.

Take it easy on him - its lonely at the top...

 

[F3800RC]

well, my life long friend who has been selling group policies for 30 years tells me otherwise. Since there is zero chance of having a conversation with you, I guess I need to bow to your greatness.

World dumb, F3800RC smartest.

the ignore button is a beautiful thing.

Don't believe me or your friend , just google it if you don't like what I'm saying

 

[F3800RC]

Take it easy on him - its lonely at the top...

close to the top not at the top.
As you are my stalker I encourage you and the poster above to google it if you think I'm wrong.
Benefits are part of compensation, they can be changed at anytime with consequences to the employer such as this change being considered " constructive dismissal" but it can be changed without notice, they can also be cancelled or if the employer fails to pay the monthly premium they will be canceled with notice to the employer not the employee. The employer owns the policy not you.
Amazing how I'm trying to help and you guys are turning it into some other thing. I could care less if you are uninsured it doesn't hurt me at all but for your own sakes do some research and don't trust what your friends say

 

[Evoex]

but for your own sakes do some research and don't trust what your friends say

Boggle.

Can't imagine i'm the only one trying to drown out the irony here.

 

[TK4]

"As you are my stalker I encourage you and the poster above to google it if you think I'm wrong."

I'm not stalking you - you are trolling and its tiresome.
You aren't encouraging, you're dismissive.
Just ignore the conversation, the rest of us will get along just fine.

 

[F3800RC]

Boggle.

Can't imagine i'm the only one trying to drown out the irony here.
[/QUOTE

"As you are my stalker I encourage you and the poster above to google it if you think I'm wrong."

I'm not stalking you - you are trolling and its tiresome.
You aren't encouraging, you're dismissive.
Just ignore the conversation, the rest of us will get along just fine.

I'm dismissive about wrong information. Find a legitimate article that proves me wrong and I will accept that information .
I have an employee benefits policy for my employees that costs me 100 grand a year, I have modified it many times over the years both up and down and there has never been a law or rule saying I have to inform the employees. I own the policy,
Stick your head in the sand if you want but don't dislike the messenger cause you don't like the message.

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