garymc
New Puppy Dawg
Posts: 3
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Post by garymc on Jun 12, 2008 23:19:03 GMT -5
Hi, I'm new to the board. Glad I found it, great resource!
Just a note on scooter insurance. I have a lance Duke 150 that will be in tomorrow (we'll see!). I was running into the same issue on Progressive's website that has been mentioned before, not being able to find the Make and therefore couldn't get a quote on collision and comp. Called an agent, he called his customer service people and apparently there's no way around this with Progressive. He then mentioned that he also used Dairyland. Eureka!!,I had my motorcycle insured with them and also my Hitong 50 and they were great! I had been told that they went out of business. Not so!. I got full coverage with 250 deduct. for $210 a year. Dairyland is now part of Sentry Ins.
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Post by rcq78 on Jun 13, 2008 18:18:50 GMT -5
Hey,Given American Modern Isurance a call...or you can go to there website @ www.amig.com I have a traveltrailer ins. with them & gave them a call after looking into getting a scooter & they gave me a quote of $150 a year,but I think that was with $500 deductable.....They only ins. rv's,atv's,motorcycles & classic cars....Oh the phone # is 800-543-2644... |
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Post by sonnybadbutt on Jun 13, 2008 19:23:19 GMT -5
I went to my insurance company to get my coverage and they don't do scooters. So they sent me through American Marvel. $500 deductible was $244 a year. This was without medical coverage on myself. Would had been another $110 if I added that. Needless to say I am looking around at other options.
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Post by lubejob66 on Jun 20, 2008 9:55:54 GMT -5
check state farm, i have a mc-54-250 and iam 38 years old no speeding tickets past 5 years, and i have a 250.00 ded. and pay only 129.00 per year for my scooter.
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Post by tscoot on Jun 21, 2008 9:47:19 GMT -5
i went through progressive got liability for 87.00 year but noticed it didnt offer comp/coll i called them today they are going to have a that looked at ,i told them the linhai brand didnt come up so had to use the "other"option but i checked geico today ,their site had the linhai brand and had the com/ collision option and theirs ran 119.00 a year with 500.00 deductible,progressive sounded concerned about this problem so hopefully they will fix it  |
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Post by dean on Jun 22, 2008 9:27:59 GMT -5
I've got pl/pd from Liberty Mutual for $95.00/yr (calculated using 2500 miles/yr usage). I didn't think the cost of insuring for the other stuff worth it compared to the value of the scooter and cost of chinese scooter parts.
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Post by dlabrie on Jun 22, 2008 10:43:29 GMT -5
Do any of these policies include theft?
David
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Post by "Big Guy" on Jun 22, 2008 10:53:02 GMT -5
I have Geico, and they were the cheapest for me, I did check around and still do all the time, but no one beats their prices.
Yes dlabrie, if you get the comprehensive and collision package like I have it includes theft.
Another good thing to have is a AAA MC policy. The standard AAA policy does not cover scoots...
-Rich
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Post by tscoot on Jun 22, 2008 15:24:49 GMT -5
update
talked to progressive again today found out that they wont underwrite certain scooters ,i asked for any particular reason and couldn't get one so i switched to geico told them i might switch my car there also and they are losing out on a lot of business
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Post by Kerry on Jun 22, 2008 16:41:34 GMT -5
I just got Met-Life for my scoot. They've covered my vehicles/life/etc. for a long time...one year full coverage for me was $91, with a $100 deductible and covers theft.
Only thing I wonder about now after reading this thread is about the medical coverage; am I covered if someone else hits me? (In other words it ain my fault)
$5,000 medical coverage probably aint enough if I get messed up!
What do you think?
-Kerry
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Deleted
Deleted Member
Posts: 0
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Post by Deleted on Jun 23, 2008 16:41:56 GMT -5
... Only thing I wonder about now after reading this thread is about the medical coverage; am I covered if someone else hits me? (In other words it ain my fault) $5,000 medical coverage probably aint enough if I get messed up! What do you think? -Kerry (and that's a big if), their insurance would be responsible up to their limit of liability. Uninsured/underinsured motorists coverage would pick up the tab if the other person had no/insufficient liability coverage, and if you have UM coverage (generally much more expensive than liability for yourrself). $5000 medical coverage will get you about 15 minutes in a trauma center. My daughter spent about 6 hours in an ER (non-trauma) a few months ago and the bill (that insurance paid) was over $7000. |
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Post by dean on Jun 24, 2008 13:08:53 GMT -5
Only thing I wonder about now after reading this thread is about the medical coverage; am I covered if someone else hits me? (In other words it ain my fault) $5,000 medical coverage probably aint enough if I get messed up! What do you think? -Kerry If this is a concern consider getting health insurance. Its really not as expensive as you might think. Get one with a high deductible that allows you to create an HSA account. Blue Cross has one. When I was self employed it cost me $150/mo (I was over 45yrs old. Teens/young adults are about $50/mo) If the other party is at fault they will pay the deductible and OOP.....And you don't have to wait for an accident to use it! |
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Post by vonspyder on Jun 27, 2008 18:26:12 GMT -5
Progressive didnt havemy tank 150 sporty DE listed...but they did have an "Other" option. punched it in, asked me to manually type in the make and model and engine size. full coverage? 100 dollars per year. boo ya.
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Post by griff10 on Jun 29, 2008 1:13:12 GMT -5
Hi, I'm new to the board. Glad I found it, great resource! Just a note on scooter insurance. I have a lance Duke 150 that will be in tomorrow (we'll see!). I was running into the same issue on Progressive's website that has been mentioned before, not being able to find the Make and therefore couldn't get a quote on collision and comp. Called an agent, he called his customer service people and apparently there's no way around this with Progressive. He then mentioned that he also used Dairyland. Eureka!!,I had my motorcycle insured with them and also my Hitong 50 and they were great! I had been told that they went out of business. Not so!. I got full coverage with 250 deduct. for $210 a year. Dairyland is now part of Sentry Ins. I've had excellent service from Dairyland in the past for all my bikes. Good company. Bill H. |
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Post by texscooto on Jul 1, 2008 16:55:50 GMT -5
ok.. so I've had the duke 250 now for about a week and mirror of course has remained the only real issue of concern. I had to order a new set from a local shop. Without the mirrors I can't get the inspection and without the inspection i can't get my registration and tags. Insurance was a bit of a hassle because they couldn't find scooter on their agenda anywhere. When they finally figured out how to bypass the situation I got good coverage through progressive for about 111 a year. So that's good. The ride is good. Compared to the Q link 150 I had before this it's a dream. I've had it up to 72 on the highway and it just wails on the local roads. Very smooth , very handleable , good acceleration and staying power for rides over 10 miles or so. If only I had mirrors , and tags I wouldn't have to feel like a criminal every time I go out to buy bread or milk. I love the ride .
One little thing . I have longer legs so i'm kinda cramped. I think I'm going to have to put some highway pegs onto it somehow. Even though the seat is huge and comfortable somehow it's pinching a little. I think it's just because I have a fat ass and probably need to continue losing weight and maybe get a nice soft cover for it.
The trunk lock is spectacular compared to the Q link . Great room and the rack on the back is even better. Yesterday I had two of my daughters at a time on the back and they had a great ride.
I took my wife, who is about 135 pounds on a little jaunt around the neighborhood , up hill and back down and she thought it was a nice comfortable ride. For the price and the manufacturer country , I think I made out pretty well. The tax office had to call Wendy at motor toy shop in Oregon and Wendy said she would have Lance overnight the new and improved title to me so I could get the tags.
The supervisor at the EL Paso Texas city tax office told me she could not accept the title because it was missing one number from the vin.
now she wants a picture of the bike, an inspection , the new title sent etc. before she will let me pay 234 dollars and get my tags.
So I'm driving around without tags or mirrors , but it's kind of fun.
Just hope I don't get caught and put in jail for illegal scooter fun.
texscooto
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Post by lcarfizz on Jul 1, 2008 23:32:59 GMT -5
The reason some folks are having problems getting their scooter insured is because you need to tell them that it is a motorcycle. For some reason, when they hear scooter it triggers some kind of cosmic funk in their brains and they reject you or the person in charge of "NO" gets on the phone and your sunk. Just insure it as a motorcycle and that works. It worked for me twice. I did mine with progressive. 81 bucks a year.
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Post by isawhim on Jul 2, 2008 0:58:30 GMT -5
A "Scooter" is a "Recreational vehicle" like a go-ped, or an electric-cart, like you see old people drive at the stores. The DMV/Inc. does not see a "Cosmetic design style", of a "Motor-Scooter, as being anything more than a motorcycle. (Motorized device with two wheels, which has the ability to drive over 25-35 MPH, and has been approved for street use. As opposed to an off-road motorcycle, or race-motorcycle.)
In all essence... this it the reality of motorcycles...
Bike (Non-powered, or assisted power. Must not go faster than 20 MPH, or it is a moped. Street legal.)
Scooter (Stand-up device, which may be powered. Not legal for streets or sidewalks.)
Moped (May or may not be human powered. Must not go faster than 35 MPH. Street legal.)
Motorcycle (Powered, with the ability to reach 35 MPH or more. Street legal.)
TYPES: (Design style)
- Moped (Sitting, legs forward, short body, step-over)
- Scooter (Sitting, legs forward, short body, step-through)
- Dirt/Off-Road (Multi-position, multi-body, not street legal)
- Motorcycle (Forward lean, legs back, short body)
- Touring (Sitting, Two-up, backrest, extended body)
- Chopper (Sitting, legs forward, extended body)
- Race-bike (Forward lean, legs back, not street legal, short body)
- Drag-bike (Forward lean, legs back, not street legal, long body)
- Jet-bike (Forward lean or forward laying, legs back, not street legal, long body)
That is the most "Common", classifications, as seen by the DMV, in most states. There are in-betweens... Obviously, you can have a street-legal off-road bike, in some states. Not all scooters are step-through, not all mopeds are step-over, and there is a stand-up jet-bike/scooter.
In any event, those are seen as a motorcycle, with two permanent wheels, in-line with one another. (As opposed to a MP3, Trike, Sidecar, Quad, or Segway.)
Personally... I think they should redo the whole system. Just use a checklist of things to cover...
- Number of wheels
- Engine size
- Drive wheel RPM and MPH
- Bumpers
- Windows
- Roll-cage
- Wind-shield
- Seats with restraints
- Impact collision resistance (F, B, R1/4, L1/4, R, L, R3/4, L3/4)
- Impact collision force (F, B, R1/4, L1/4, R3/4, L3/4)
- Weight
- Weight capacity
- Tow capacity
- Commercial use
- Max passengers
- MAX MPH (20 MPH or more only)
- MAX BHP
- Max MPG, MPW (Above 20 MPH, Below 55 MPH)
- 45 MPH AVG MPG, MPW (or MAX if lower)
- 0-45 MPH MPG, MPW (or 0-MAX if lower)
- Min MPG, MPW
- Pollutant volume per mile
- Pollutant volume per hour
- Percent of structure toxins (Lead, plastic, Lithium, Nickle)
- Active/passive alarm
- Active/passive electronic recovery
- Number of unique stamped/machined ID tags
- Color 1, 2, 3
- Reflection surface area, (F, B, L, R)
- Fatality rate, (Driver, Passenger 1, p2, p3, p4, p5, p6)
That would not say you are a motor-cycle or a car or a bus... It would simply reflect the potential for danger, safety, legal requirements, legal restrictions.
If there is a restriction on speed, or on BHP, or on weight... You are bound to the restriction. If vehicles over 600 lbs, with 2-tires, with a max-speed of 200 MPH are illegal for road-use... or have 95% fatality rate for drivers and passengers... Guess what, you deserve high insurance rates... Your gonna kill yourself or someone else, potentially more than the other guy, driving a vehicle under 500 lbs, with 4-tires, with a max-speed of 80 MPH, and has only a 5% fatality rate for drivers, and only 1% fatality rate for passengers.
I hate that they simply lump everything into one area. The separation is unfair, unjust, and should be illegal, as it stands.
Seriously... a 1200cc $20,000 bike that can go 200 MPH, and has enough weight behind it to do more damage than a car would... costs only twice as much as a 150cc $2,000 scooter, that can only get up to 65 MPH. I would understand if they could both do the same damage to another oncoming vehicle... Last time I checked... the bars were filled with those 1200cc bikes, and only 1 or 2 scooters. (The largest portion of accidents on motorcycles involved intoxicated riders... driving on wet road conditions... alone... crashing on turns... and ending in fatality or severe injury. There are substantially less collisions with other vehicles, which have fatalities.)
Fatalities are important... because dead people don't continue to pay inc. They are also more expensive than a bumper or a broken leg.
Step-through and light-weight is important, because the number one injury on a non-step-through motor-cycle, is a broken ankle/foot/leg/hip, when the heavy bike pins the person underneath it. I have seen hundreds of videos... scooter drivers usually walk away from most accidents. Even the vehicles that were hit by a scooter, are mostly without major damage. Untrue for the vehicles I have seen hit by motorcycles, and motorcycles that I have seen crash on-top of the drivers. (They usually always got carried away... to the hospital... just for falling! Thus, the fatality rate for falling drunk on wet turns, with a heavy bike.)
Any-who... Yes, we are all driving ultra-light motorcycles. Just tell the DMV and Inc. that you have a motorcycle, shaped like a scooter. (They may actually have separate coverage that is cheaper for "Scooters", but not all places call them that.)
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Post by wildbill on Jul 9, 2008 21:54:11 GMT -5
hey dean,what is pl/pd from liberty mutual? Iam ignorant.wildbill
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Post by nu2scoot on Jul 13, 2008 23:39:15 GMT -5
I had similar issues getting my scoot insured. My agent kept saying "I don't think we insure scooters, are they allowed on the street?" I had to tell her that I have a VIN and that seemed to do the trick. So she hooked me up with motorcycle insurance through SafeCo. I use them for my truck and apartment insurance. I haven't had any issues and they have really good prices, only pay $120/yr for the scoot but that's cuz I had an accident last year on my record.
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Post by fatrabbit on Jul 14, 2008 1:07:55 GMT -5
Geico
$45/yr for 100/300/50 pl/pd
$90/yr for 60/3.5 UM
Total $135/yr
For another $120/yr, I'll get comp (other than coll) w/$500 deduct.
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Post by rcracer78 on Jul 14, 2008 20:29:16 GMT -5
2008 CFMOTO Echarm
Auto Club of Southern California (ACSC):
BI 100/300
PD 50
COMP 100 DED
COLL 100 DED
UIM/UDM 30/60
UDW- INCLUDED
$216 YEAR
Must have M1 to obtain scooter or motorcylce insurance. If you've had M1 less than 3 years, you must insure with a regular vehicle. We don't rate by the year, make and model but rate by the cc's.
Do you live in Southern CA? Want an insurance quotation? Call me in the office.
Chris
ACSC
2843 Diamond Bar Blvd.
Diamond Bar, CA 91765
909-444-2642
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Post by scootervirgin on Jul 15, 2008 22:06:33 GMT -5
Geico here. full coverage, includes theft is about 160 for year
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Post by daytonascooterchic on Jul 20, 2008 10:59:21 GMT -5
I just added mine to my home owners insurance. That covers theft and liability for others injuries if I hurt them. If I am hurt, in Fla we have Personal Injury Protection, so my auto insurance would pay my medical even if I were walking and got hit by a car.....
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Post by wildbill on Jul 20, 2008 16:06:32 GMT -5
hey texscooto, almost got a 250 duke..got a linhaiyama260 instead.the seat back may be adjustable,it is on mine .that last notch was a life saver.look under the seat bottom.wildbill
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Post by jb on Jul 20, 2008 17:03:33 GMT -5
I went with Progressive. $76 dollars a year, liability only. Both myself and the lady on the phone agreed it was pretty stupid to carry full coverage on a $1300 bike.
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Out with the old...in with the new
