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Originally posted by 4MUL8R:
Thank you. I will check on my policy with Progressive. I am paying far less with Progressive than any other provider, and yet do need to be careful with coverage limits.

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Originally posted by PHPaul:
Good to know, but I have EVERYTHING through one insurer: Home, Auto, M/C.

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Here’s my warning: if you buy motorcycle insurance from a company separate from the one that insures your cars, DO NOT let that company talk you into reduced uninsured/underinsured motorist coverage.

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Originally posted by Micropterus:

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Originally posted by PHPaul:
Good to know, but I have EVERYTHING through one insurer: Home, Auto, M/C.

That's good. But make sure your car and motorcycle are on the SAME policy. If they're on different policies (this scenerio is rare since a single insurer would likely put them on the same policy), then check your coverages.

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"The trouble with our Liberal friends...is not that they're ignorant, it's just that they know so much that isn't so." Ronald Reagan, 1964
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"Arguing with some people is like playing chess with a pigeon. It doesn't matter how good I am at chess, the pigeon will just take a shit on the board, strut around knocking over all the pieces and act like it won.. and in some cases it will insult you at the same time." DevlDogs55, 2014
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www.rikrlandvs.com

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Originally posted by Fredward:
Stupid question-will my medical insurance cover costs of injuries sustained while riding a motorcycle? Do I also need personal injury for myself on my bike policy?

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Originally posted by Micropterus:
This post is for people of have their auto insured with one company, and their motorcycle insured with another company.

I’ve been an adjuster for almost 30 years and I am seeing a disturbing trend.

Progressive is America’s largest motorcycle insurer. There is even a multitude of insurers that refer motorcycle business to Progressive because that referring insurer doesn’t write motorcycle insurance. So, many people have auto insurance with one company and Progressive Insurance for their motorcycle. There are other motorcycle insurers, too.

If you crash a motorcycle, more often than not, it doesn’t cause a whole lot of damage or injury to other people. Yes, I know there are some exceptions, but this is mostly true. The real risk for the motorcycle operator is injury to himself.

These motorcycle insurers sell motorcycle policies with the usual coverages: property damage and bodily injury liability, and uninsured and underinsured motorist coverage, among others. The liability coverage protects other people in case the rider is at fault. But uninsured and underinsured motorist coverage protects the rider in case he is injured by an uninsured or inadequately insured driver. Liability coverage is the principal cost of an insurance policy. Uninsured and underinsured coverage costs the customer very little. It’s a very cheap coverage.

What I am seeing more and more is that these motorcycle insurers are selling respectable liability coverage to the motorcycle owner, but telling that owner they can save a lot of money if they waive or accept a much reduced uninsured/underinsured motorist coverage. They are telling them that they can save money buying less uninsured coverage, and that they can rely on their auto insurer to cover them for uninsured or underinsured motorist coverage.

I am seeing claims where a motorcyclist is severely injured and had a pittance of uninsured and underinsured coverage. In many, if not most, states, an auto policy has an exclusion that says that it doesn’t provide uninsured or underinsured motorist coverage to an insured for a vehicle he owns but doesn’t insure for that coverage under the auto policy. In other words, the injured person has completely inadequate uninsured coverage with his motorcycle insurer, and can’t make a claim under their auto policy for that coverage.

Here’s my warning: if you buy motorcycle insurance from a company separate from the one that insures your cars, DO NOT let that company talk you into reduced uninsured/underinsured motorist coverage. If you are hurt by another driver, you will need that coverage. And more often than not, your auto insurer won’t be able to help you.

It seems to me these motorcycle insurers are collecting premiums for liability coverages that rarely get used to any big extent, but are talking people out of a cheap coverage that they will need if they are injured, and which could cost the insurer a lot. It’s being done for the benefit of the company and shareholders, and at the expense of the person who bought the insurance.

If you have a separate motorcycle policy apart from your auto policy, check it and make sure your liability and uninsured motorist coverage limits match. If not, raise the uninsured motorist coverage limit.