can an insurance company sell your vehicle before claim is settled?

Posted: August 2nd, 2011 | Author: | Filed under: Q & A | Tags: Before, Claim, Company, Insurance, Sell, settled, vehicle | 2 Comments »

My trike was stolen i contacted the police and insurance company, their first inspector said he could not value the trike as it was a custom trike and he had no idear what the value was ?.
they then got a harley trike builder to value the trike but he only built bolt on trikes, not custom vw beach bastard trikes with high end custom paint job he under valued my trike.
so i contacted my insurers and they told me to get an independent valuation, but in the mean time i find that they have sold my trike before i could getit valued can they do this??? pls help
I have also contacted the seller of my trike via E BAY and confirmed with them the time date and contact number of the auction house that auctioned off my trike and on contacting them they gave me the address and name of my insurers so yes they have sold it……….
The trike was payed for in cash and it was not towed away it was stolen and recovered

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Motorcycle Insurance

Posted: February 26th, 2011 | Author: | Filed under: Written Reviews | Tags: Insurance, Motorcycle | No Comments »

Motorcycle Insurance

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Motorcycle Insurance

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In this day and age of litigation, you simply cannot ride safely without motorcycle insurance. In many states, it is illegal to even be on a public road unless you have the minimum amount of insurance required by the state. Each state legislates what that minimum amount is, and it is in your best interest to always maintain at least that amount of coverage.

 As a service to our readers, All About Bikes is providing a brief summary of the types of insurance commonly available. It is up to you, however, to check with your local authorities to get the most up-do-date and relevant information for your locale.

Liability Insurance:

Liability insurance is usually mandatory because it covers bodily injury and property damage to other people. It does not, however, cover you or your bike. When you purchase this type of insurance always ask if it also includes guest passenger liability. This protects anyone who may be riding with you as a passenger on your motorcycle. Even if this added protection is not included in the standard liability insurance that you are required to have, it is a good investment to go ahead and get it.

 Collision coverage:

Most people will also buy what is called collision insurance. This insurance covers damages to your bike should you be in an accident. When you have this type of insurance, your insurance carrier will pay for damages to your motorcycle, minus your deductible, as long as the damages were caused by a collision with another vehicle or object. Generally speaking, collision insurance covers the current book value of the motorcycle before the accident occurred.

Comprehensive coverage:

This type of insurance is usually not required by any state law, but it may be required by the company that is financing your motorcycle. Comprehensive insurance coverage pays for most damages caused by something other than an accident. This might include events such as theft, fire, vandalism or flood. If the insurance company approves your claim it will pay damages, minus the amount of your deductible, and it will only cover the current book value of your bike.

 One side note to both collision and comprehensive coverage: most insurance companies will price the value of what they will pay based on the standard parts of the motorcycle as it came from the factory. If you have customized your bike with other parts, such as chrome or custom paint work, side cars, etc; you will need to get added coverage in order to make up the difference.

 Uninsured and Underinsured Motorist Coverage

 This type of insurance protects you and your bike in the event you are hit by someone who either does not have any insurance or who has too little insurance. Generally, this type of coverage only pays for medical costs, any lost wages you might lose, and some other damages. Make sure that you get this form of insurance with the property damage rider which will pay for any damages to your bike as well. You can ask your insurance agent if property damage is included in your policy or not.

 Lastly, if you have a vintage bike you may want to get special insurance to help cover the costs of replacing or rebuilding the bike. It is always best to speak with your insurance agent about this special type of coverage.

 You may know it, but you can often save a good deal of money on your motorcycle insurance by doing a few things. Some issues such as age, driving record, and where you live are what they are, but other issues can be modified in ways to decrease your insurance premiums. Here are a few ideas:

 If you take and graduate from a rider train course, you can often save money. Some companies will reward you with a discount of as much as ten to fifteen percent on your premiums. The course offered by the Motorcycle Safety Foundation (MSF) is a good choice, and this especially true if you are under the age of 25.

 Maintaining a good driving record with no violations or accidents will often help decrease your premiums over time.

 If you live in a hard winter area where using your bike during those months is not possible, consider buying a lay up policy for those down months. If you buy this type of insurance, do not drive your bike while it is under this coverage. This can also be thought of as storage insurance.

 Ask your insurance agent what discounts they offer. They may be able to tell you things you did not know.

 Lastly, if you already have automobile insurance with a carrier ask if you can get a discount if you insure your bike with them as well. You can often save a good bit of money by staying with the same company.

 For more Industry and Insurance news for Motorcycles please visit www.allaboutbikes.com

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Choose Street Motorcycle Insurance Protection On The Net

Posted: February 22nd, 2011 | Author: | Filed under: Written Reviews | Tags: Choose, Insurance, Motorcycle, Protection, Street | No Comments »

Choose Street Motorcycle Insurance Protection On The Net

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Choose Street Motorcycle Insurance Protection On The Net

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Motorcycle insurance requirements vary from one state to another. With a little online research and some diligence, you will be able to find good coverage at a reasonable price. If you know what to look for and what you need to do to get a great rate, finding the most comprehensive coverage for the best price is not that difficult.

As with pretty much all vehicle insurance, the older you are, the better off you are when it comes time to get a good rate. If you are over forty it is likely that you will score a premium that you can live with and a policy that offers you the most desirable terms. Younger motorcycle riders will find that driving responsibly will play a major role in their insurance premiums.

Your driver profile will be key in getting a price that you can afford on insurance that you can live with. If you have many moving violations or accidents on your record, whether in a car or on a motorcycle, you need to clean up your record. Take a motorcycle safety course, slow down and drive cautiously. You might even consider parking your bike for a while until the problem incidents age off of your record. If you have continually had a stellar driving record it will certainly be to your advantage to seek out only those companies that offer magnificent rewards to drivers like you. Of course, they’ll all tell you that they do. The only way to find out for sure is to get several motorcycle insurance quotes.

Ever vehicle insurance company reaches out to new customers by offering rewards and incentives to certain driver demographics. Some companies offer great discounts to drivers who have remained accident-free for a certain amount of time. Others strive to offer the lowest possible rates to young drivers. There are even insurance companies that cater to drivers with bad records. Of course, they can’t offer them very low rates. The enticement is just in being able to get coverage at all. When you find the motorcycle insurance company that specializes in the kind of driver you are, that’s where you’ll get the best coverage at the lowest price.

Price comparison websites eliminate the middleman and help customers find great insurance rates that line up with their personal age, location and driving records. Shopping online, rather than in person is always a good idea for motorcycle riders. The databases available on the internet are usually much more extensive than those available to local brokers and insurance agents. This gives you a much better chance at finding the specific policy that’s best for you, because of the wide variety of offers available to you in the online databases. You can also save potentially hundreds of dollars on the brokerage fees.

Don’t just shop for rate alone, though. The coverage is important too. When you drive a car and have liability insurance, you run a pretty big risk. Liability insurance doesn’t cover damage to your own vehicle, just damages to the other driver’s car.

Motorcyclists in particular face much greater risks. If you hit or are hit by a car, the other driver and his vehicle may sustain minimal damage. The motorcycle, though is often badly damaged or totaled. With liability insurance, one accident may mean having an inoperable machine and no financial assistance to help get you back on the road.

For motorcycle riders who do not have the advantage of having an accident-free record, it may be beneficial to take on a greater deductible in order to lower the cost of the premium. Another option is to pay more of the premium up front rather than paying monthly over the whole year. By searching online you can find those options that offer the greatest benefit for your specific coverage needs.

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I want to open an online business, possibly selling go carts. Legally can someone sue me if he gets hurt hurts someone or damages property.Do I need to get some sort of insurance, etc. to protect me

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The Secrets To Getting The Best Motorcycle Insurance Quotes!

Posted: February 6th, 2011 | Author: | Filed under: Written Reviews | Tags: best, Getting, Insurance, Motorcycle, Quotes, Secrets | No Comments »

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The Secrets To Getting The Best Motorcycle Insurance Quotes!

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Posted: Mar 04, 2006 |Comments: 0
| Views: 775 |

Protecting your property from theft and damage is a very important part of life. Why? Quite simply because you have a lot of time, money and love invested into them, and so securing them (at least from a financial perspective) makes a lot of sense. So, buying insurance should be one of your main priorities each time you add a home, change jobs etc.in your life. Equally, it is not just your home and life that needs insurance. That little (or big!) two wheeled beauty sitting on your driveway also needs it. Motorcycle insurance protects the investment that you make in your new Harley or other bike so that you can drive it down the road and park it in your garage without worrying about wrecking it or having it stolen. It also can stop you from experiencing punitive financial problems if you involve someone else in an accident. So, whilst getting a bargain on your motorcyle insurance is not a topic that will neccessarily be as ‘Gripping’ as riding the bike. It is nevertheless an essential aspect of owning a motorbike.

Motorcycle insurance can usually be purchased from the same company that insures your car, home, etc, which can help to make the process a little easier. Many times, you can get a discount by buying all of your insurance from one company (home insurance, life insurance, medical insurance etc – You can find more general insurance resources at http://www.insurancerebel.com). But you should still research the cost with other specialist vehicle and motorcycle insurance companies to make sure that you are getting the best price available. Here are some things you need to know when you purchase your motorcycle insurance.

1/ Make sure you know who is underwriting the insurance.

The underwriter is the guy (or gal! ) who pays up if you need to use the insurance due to a wreck, theft, or vandalism. So you will want to ensure that you have a dependable underwriter for your motorcycle insurance. If your underwriter is not dependable, you could end up with no motorcycle to ride and no money to replace it!

2/ Compare rates as well as policy details.

Just because one insurance rate is cheaper than all of the others does not necessarily mean that you are getting the best deal for your money. Check your state and local laws to learn exactly what insurance coverage you need to purchase for your motorcycle. In this way, you will not be paying for coverage that is not needed and you will have at least the minimum of what the law requires. You may want to get coverage that includes yourself or another driver, passengers, custom equipment, collisions, uninsured motorists, and medical payments. Ask your insurance provider what they offer in motorcycle insurance and compare them against several different companies to find the best price and insurance for you. Be sure to compare like with like in this area. Cheaper is not always better.

3/ Many insurance companies offer a discount on motorcycle insurance if you take an approved motorcycle safety course.

Ask if your company does. There may also be discounts if you purchase other insurance from them as I mentionned above. It never hurts to ask what kind of discounts that a particular insurance company offers, as it may just save you some money! The worst they can say is that they do not offer any discounts. In which case you are no worse off anyway.

A few things that come into consideration when you are getting a quote for motorcycle insurance are your age, riding experience, driving record, and details about your bike, such as value, power, age of bike, modifications, and where it is kept at night. Be honest about the questions that the insurance company asks you. If you do not tell the truth and something happens, then your claim can be denied later on down the road! So be careful. Be prudent. Tell the truth!

Motorcycle insurance is the easy way to protect your bike and yourself from any number of things that can happen in life. It can protect you from financial ruin if you have an accident and cause property damage or other damage. And it also covers you in the event that your bike is stolen or damaged.

So Don’t be a Helmet Head! Get some Motorcycle Insurance sorted out TODAY!

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Take control of your motorcycle insurance needs! Here is a great collection of motorcycle resources. Visit – http://www.goodmotorcycleinsurance.com NOW!

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How to Save Money on Your Motorcycle Insurance

Posted: January 21st, 2011 | Author: | Filed under: Written Reviews | Tags: Insurance, Money, Motorcycle, Save | No Comments »

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Home Page > Finance > Insurance > How to Save Money on Your Motorcycle Insurance

How to Save Money on Your Motorcycle Insurance

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Posted: Oct 31, 2010 |Comments: 0
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Just like when you buy a car, you need to buy insurance when you buy a motorcycle. However, because the motorcycles are considered more risky than the cars, motorcycle insurance can be very expensive. There are a number of things you can do something to reduce the premiums paid, you will need to annually.

http://www.insurancemotorcycle.equitylinesite.com/2009/11/16/how-to-save-money-on-your-motorcycle-insurance/

First, you should look in any case, since different companies use different prices. Some companies also offer discounts for more than other. Please call to a number of different companies and request a quote for the same coverage to see who the best offer, or look online to see the company seems to be to offer the cheapest motorcycle insurance.

When you are talking about companies motorcycle insurance that you want to be sure to inform them of any additional security precautions you can with your bike, how they can reduce the premiums have taken to tell. If you have a hit> Motorcycle safety course from an approved institution, you can get your premium money. The same applies if you have an alarm on your bike and if you store your bike in a locked garage when not in use. All these things reduce the likelihood that that would pay the insurance, a requirement in your case, so that they reduce the amount of the premium.

If you live somewhere where it’s too cold or snow arrange travel by motorcycle in the winter, checkreduce the insurance coverage on a motorcycle during this time. Why do not you need to pay cover when your bike is gone?

As with most types of insurance you can raise the deductible on your motorcycle insurance to cover payments you need to reduce each month. As long as you are willing to pay more out of pocket should something happen, you will be less money to pay premiums.

One thing that youmight want to consider before you buy your bike is, that a more expensive bike motorcycle means more expensive insurance. Make sure the insurance for the bikes you have thought about, so you are ready to be checked.

Finally, your motorcycle insurance must always be from a company that you use already, for insurance. Normally, if you have more than one type of insurance with a company they give you aDiscount.

http://www.insurancemotorcycle.equitylinesite.com/2009/11/16/how-to-save-money-on-your-motorcycle-insurance/

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Gmac Motorcycle Insurance

Posted: December 28th, 2010 | Author: | Filed under: Written Reviews | Tags: Gmac, Insurance, Motorcycle | No Comments »

Gmac Motorcycle Insurance

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Home Page > Careers > Gmac Motorcycle Insurance

Gmac Motorcycle Insurance

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Posted: Jul 31, 2010 |Comments: 0
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GMAC is a motorcycle insurance company who wants to give freedom to the motorcycle riders. And it covers all types of motorcycle from touring bikes to the racing bikes also the. GMAC is a US based company and operates in most of the states of America. They provide a great value to their customers and in this way by making good relationship with them they are making their success path very easy. GMAC insurance is also the member of many motorcycle associations. Such associations are always ahead in protecting the rights of motorcycle riders and therefore so as GMAC motorcycle insurance. Just providing is not only the aim of GMAC motorcycle insurance but they also care for the safety for their customer, because of this reason they replace helmets also up to $250 in case of any collision and there is a course called MSF i.e. motorcycle safety foundation course, they encourage people to do such course and their discounts support the encouragement. These are some of the unique features of this company which make it different from the other insurance companies.

The three main coverage are the liability, the comprehension and the collision and by combining and making different sets of this three they offer three packages. One is the liability only means the third party is safe in case your motorcycle crashed with the third party. The second one is the full packages which include all the three means along with liability now the insurance holder is safe against any type of collision as well as fire, theft or any natural disaster. The third one is the economy package in which they only include the liability and comprehension. This package is neither very expensive nor very cheap and an average purchasing power can afford this type of package.

Other than the MSF course discount the other which GMAC provide is they give discount of 20% to safe drivers who have very good history of driving with no speed tickets. They provide discount on multi-cycle insurance. When home and motorcycle insurance is taken at the same time then a discount of 5% can be availed. If the insurance seeker is the member of any state or national recognized riders association then they can avail discount. But this should be noted that the discounts vary from state to state.

Other than this facility of discount they also have 1 pay, 3 pay, 5 pay, and 7 pay plan which means they can give the premium periodically according to their convenience.

I was trying to find low cost car insurance quotes for reducing my monthly expenditures and a few months back I found the solution.

 

I went from paying $350 a month for Car Insurance to only $111 a month!

 

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How To Get The Best Motorcycle Insurance And Save Money

Posted: December 4th, 2010 | Author: | Filed under: Written Reviews | Tags: best, Insurance, Money, Motorcycle, Save | No Comments »

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Home Page > Automotive > How To Get The Best Motorcycle Insurance And Save Money

How To Get The Best Motorcycle Insurance And Save Money

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Posted: Jun 09, 2010
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How To Get The Best Motorcycle Insurance And Save Money

By: Alex bright

About the Author

http://www.motorcycleinsuranceaustralia.com What you need to know about motorcycle insurance and how you can save money,Australia-Perth

(ArticlesBase SC #2593722)

Article Source: http://www.articlesbase.com/ – How To Get The Best Motorcycle Insurance And Save Money

Have you just brought that new motorcycle you always wanted,Well you probably want to insurer it and finding insurance for your motorcycle can be quite costly depending on what your situation is,Well here is a few little tips that may help you keep the cost of your motorcycle insurance down.

Think about part time insurance: Many insurance companies will give you an added discount if you won’t be riding your motorcycle during severe winter months. This is a great option for those of you who live in colder parts of the country. However, keep this coverage in mind because you will likely be tempted to get that bike out when a warm spell appears for a few days during the winter months.

Keep your motorcycle secure: If you are able to store your motorcycle inside a storage unit or garage, then do so. Most insurance companies will give you additional discounts for your motorcycle being in a secure location that reduces the chances of it getting hit, vandalized, stolen, or damaged by the natural elements.
Also Some companies offer a discount on your policy if you have an anti-theft device attached to your motorcycle.

Try taking a safety course: If you haven’t taken a motorcycle safety course, you should. Not only will it help you become a better motorcycle rider, it will also help you earn a discount on your motorcycle insurance. This is because motorcycle companies feel an informed rider is less likely to make common mistakes or to indulge in reckless behaviors. If you currently have any kind of insurance on your home or other vehicles, that particular company will likely offer you a significant discount on insurance coverage for your motorcycle.

For Your Free Guide Go To
www.motorcycleinsuranceaustralia.com

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http://www.motorcycleinsuranceaustralia.com What you need to know about motorcycle insurance and how you can save money,Australia-Perth

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Riding a Motorcycle That Does Not Have Motorcycle Insurance is Stupid

Posted: November 26th, 2010 | Author: | Filed under: Written Reviews | Tags: Insurance, Motorcycle, Riding, Stupid | No Comments »

Riding a Motorcycle That Does Not Have Motorcycle Insurance is Stupid

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Home Page > Automotive > Riding a Motorcycle That Does Not Have Motorcycle Insurance is Stupid

Riding a Motorcycle That Does Not Have Motorcycle Insurance is Stupid

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Posted: Jun 18, 2008 |Comments: 0
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Riding a Motorcycle That Does Not Have Motorcycle Insurance is Stupid

By: Frank Strider

About the Author

Frank Strider loves to talk about motorcycles and all the things related to it. Visit his website if you want to find out more about a razor scooter or maybe motorcycle tires.

(ArticlesBase SC #453906)

Article Source: http://www.articlesbase.com/ – Riding a Motorcycle That Does Not Have Motorcycle Insurance is Stupid

There is no other way to put it, if you are riding without good motorcycle insurance you are just plain stupid. Most motorcycle owners have insurance but there will always be some that think it is not necessary, it is to expensive, they don’t need it because they drive safe and many more excuses. When you are the one making these excuses, please read this article and make sure you are smart not stupid.

Why is good motorcycle insurance so important?

There is a big difference between car and motorcycle insurance for example it is possible to just insure your motorcycle and not yourself not that this is smart thing to do but it is a possibility. You can also cover bike, rider and people that will be riding pillion on your bike. Something not all motorcycle owners do but should be is cover bodily injury and damage to property. When you are in a accident and cause damage or even injury the cost can be extremely high, motorcycle insurance will be necessary to pay for those costs.dent that causes harm to other people.

If you already own a motorcycle or if you are planning to buy one you really need to get motorcycle insurance and we know it is something some of you bike owners do not give much adequate attention to, there really is no doubt about how useful this can be. It is very simple to find a good insurance company that insures motorcycles and when you already have a insurance for your car you can check out the same insurance company because most will give you discount if you take a motorcycle insurance with their company as well.

What type of motorcycle insurance?

The type of motorcycle insurance policy will depend on:

- coverage
- price
- type of motorcycle
- neighborhood
- driving record
- age

Take as much coverage as you can afford but at least the legal minimum requirements

There is of course no limit in the amount of coverage you can take but you should at least have the legal minimum requirements, and you need to be sure that you know what they are. There are a lot of options you can choose from in the amount and the type of the coverage but it is still up to you what you decide to take for your own protection. You can also ask for additional services like roadside assistance, glass insurance, towing costs. This last service can be extremely convenient when you take long distance trips and are not so good in repairing your motorcycle.

Discount if you take a course.

You can take a riding course with the Motorcycle Safety Foundation and some motorcycle insurance companies will give you ten percent discount on the insurance premium. The key messages of the Motorcycle Safety Foundation for bike owners are:

1. Get trained and licensed
2. Wear protective gear — all the gear, all the time — including a helmet manufactured to the standards set by the DOT
3. Ride unimpaired by alcohol or other drugs
4. Ride within your own skill limits
5. Be a lifelong learner by taking refresher rider courses

And last but not least the final tip to pay less premium if you really want to minimize the amount of premium a cruiser is cheaper to insure than a sports bike.

Retrieved from “http://www.articlesbase.com/automotive-articles/riding-a-motorcycle-that-does-not-have-motorcycle-insurance-is-stupid-453906.html”

(ArticlesBase SC #453906)

Frank Strider -
About the Author:

Frank Strider loves to talk about motorcycles and all the things related to it. Visit his website if you want to find out more about a razor scooter or maybe motorcycle tires.

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Nov 25, 2010

A Quick and Honest Review on Kia Sportage 2011

Over the past years, Kia Motors has proven everybody that great things truly do come from small packages. From their line of vehicles, their petite vehicles including the Kia Sportage has been a boom last year, and still continues to be hot selling out there in the market. Most car dealerships wouldn’t have achieved this with their vehicles, but surely Kia Motors did a good job in promoting what they have right now.

By:
Cheryll
Automotivel
Nov 25, 2010

How Important Is Mileage When Purchasing a Pre-Owned Car

If you are purchasing a pre-owned car, you should not forget to take note of the car’s mileage.

By:
Elaial
Automotivel
Nov 25, 2010

Find Cheap Cars Online

If you are looking for cheap cars, the internet is the best place for you to look on since it is place where there are a lot of sellers as well as buyers. In other words, internet provides a huge variety of choices when it comes to online car shopping.

By:
Elaial
Automotivel
Nov 25, 2010

Leather Motorcycle Accessories As Protective Gear

Owning a motorcycle can be an expensive hobby because there are always improvements you can make, accessories to be bought and maintenance to be done. And as any motorcycle enthusiast will tell you, that can ad up to an considerable amount of money. In this article we will look at…

By:
Frank Striderl
Automotivel
Jul 21, 2009

Should You Buy a Used Yamaha ATV?

There are many good reasons to buy a used Yamaha ATV and the price is often the number one reason. If it is wise to buy a used Yamaha ATV is different question that needs to be answered. In this article we take a closer look at all the things…

By:
Frank Striderl
Automotivel
Apr 11, 2009

Used BMW Motorcycle Parts, How to Choose Piece by Piece

The first motorcycles were in fact just simply motorized bicycles that had engines attached to bike frames. Over the years they have developed into very complicated machines. Technology was put to work to increase control, fuel economy, speed and comfort. If you have a BMW motorcycle and you own the…

By:
Frank Striderl
Automotivel
Apr 10, 2009
lViews: 519

A Razor Electric Scooter is a Powerful Form of Transportation

It might not be the first thing that comes to mind but a Razor electric scooter really is a great type of transportation. A Razor electric scooter is specially made for short distances and that may seem silly but in fact it is very smart to design a scooter for…

By:
Frank Striderl
Automotivel
Mar 01, 2009
lViews: 382

Folding Mobility Scooters Are a Perfect Way to Get Around

There are two kind of mobility scooters, the ones you use for every distance you would normally travel by foot or bicycle and the ones you take with you when you go somewhere by car and need to be mobile at your destination. The last ones are called folding mobility…

By:
Frank Striderl
Automotivel
Nov 22, 2008
lViews: 1,127

How to Avoid a Motorcycle Crash

Lets just face the facts about the dangers of riding a motorcycle, a motorcycle crash does not happen very often, just about 4 percent of all crashes with vehicles are a motorcycle crash. This is a very low percentage but it does lead to 10 percent of all deaths in…

By:
Frank Striderl
Automotivel
Sep 29, 2008
lViews: 157

How to Get a Good Motorcycle Insurance Quote

When you buy a motorcycle you know you are also going to need insurance. To get the right insurance coverage at the right price you need a motorcycle insurance quote from multiple companies. There are different ways to do this and we are going to explain them in this article. Internet…

By:
Frank Striderl
Financel
Sep 19, 2008
lViews: 118

Is a Motorized Wheel Chair Scooter an Option For You?

There are many types of wheelchairs available and some of them are motorized. It is possible that a motorized wheel chair scooter is just the thing you are looking for. in this article we will let you find out if you have thought about everything to consider before you make…

By:
Frank Striderl
Automotivel
Sep 08, 2008
lViews: 140

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