MC not considered "Motor Vehicle" - BMW Luxury Touring Community
 
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post #1 of 15 Old Jan 9th, 2013, 4:43 pm Thread Starter
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MC not considered "Motor Vehicle"

According to AAA Life Ins. Co. a motorcycle is not considered a "motor vehicle" thus they will not cover anyone injured or killed while riding a MC.
Now I'm thinking, will my current life insurance policy also not cover me while riding my LT?
No problem with my medical coverage as it does not preclude MCs.
Anyone have life insurance that does cover motorcycles?

2006 Yamaha Morphous "The Space Ship"
2005 Honda Reflex "Hi Yo Silver"
2004 Honda Aero Shadow VT750 "Black Beauty"
2003 Yamaha VStar 650 Classic "primero"
2003 Honda Reflex "Red Ryder"
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1999 BMW K1200LT "The Silver Bullet"
1996 Kawasaki KZ1000P "the 5-0"
1989 BMW K100RS "White Ghost"
1986 Honda Goldwing Espencade 1200 (work in progress)
1982 Honda Goldwing Interstate 1100 (same)
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1979 Yamaha XS1100 just as fast

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post #2 of 15 Old Jan 9th, 2013, 4:59 pm
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Re: MC not considered "Motor Vehicle"

So, its not a vehicle that runs on a motor huh? bad policy.

Just Go
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post #3 of 15 Old Jan 9th, 2013, 5:06 pm
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Re: MC not considered "Motor Vehicle"

Something there doesnt sound right. AD&D ( Accidental Death and Dismemberment ) policies are to cover just that.. AD&D doesnt matter if your driving a car, motorcycle, an egg beater or an ostrich in the kalahari.

You may want to call your agent and get clarification or call the company and speak with a different customer service agent who can get you better information.

I am no insurance agent, but what your saying just doesnt sound right to me.
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post #4 of 15 Old Jan 9th, 2013, 5:13 pm
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Re: MC not considered "Motor Vehicle"

Insurance Co's SUCK!!
Guess they can do whatever suits them but my Motorcycle is authorized to operate on the road by the "State of California Department of MOTOR VEHICLES".
Says so right on the bottom of my registration.
Pays to check your policy and understand how you're being screwed and wether you really like how it feels?
Call and get them to correct or cancel.

Doug Holck
Lodi, Ca

I don't always ride motorcycles,
but when I do I prefer BMW's.
Ride safely my friends

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post #5 of 15 Old Jan 9th, 2013, 8:25 pm Thread Starter
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Re: MC not considered "Motor Vehicle"

Quote:
Originally Posted by umfundisi
Something there doesnt sound right. AD&D ( Accidental Death and Dismemberment ) policies are to cover just that.. AD&D doesnt matter if your driving a car, motorcycle, an egg beater or an ostrich in the kalahari.

You may want to call your agent and get clarification or call the company and speak with a different customer service agent who can get you better information.

I am no insurance agent, but what your saying just doesnt sound right to me.
Um, I called AAA Life Ins. Co. and they emphatically said "we do not cover while riding motorcycles" I might want to add that this if for *Accident-Only Insurance* NOT for life insurance. I guess I should have made that more clear. However, it is from AAA Life Insurance Co. Here is what they cover: private cars, self-propelled motor homes, trucks, public transport, buses, trains, planes and taxis, or as a pedestrian.
I was interested in getting this policy as I am over 74 and the cost is only $17 a month for $300K (airline) $150K for the rest for loss of life. Plus other benefits such as hospital stay, ER, etc. That is very cheap for people my age. But it would be nice if I was covered while riding MCs as that activity is highest in risk. I'm sure you're right as to coverage by a regular term or life insurance coverage.

2006 Yamaha Morphous "The Space Ship"
2005 Honda Reflex "Hi Yo Silver"
2004 Honda Aero Shadow VT750 "Black Beauty"
2003 Yamaha VStar 650 Classic "primero"
2003 Honda Reflex "Red Ryder"
2000 BMW K1200LT Like new as of 5/10/16
1999 BMW K1200LT "The Silver Bullet"
1996 Kawasaki KZ1000P "the 5-0"
1989 BMW K100RS "White Ghost"
1986 Honda Goldwing Espencade 1200 (work in progress)
1982 Honda Goldwing Interstate 1100 (same)
1980 Yamaha XS1100 fast
1979 Yamaha XS1100 just as fast

1986 Honda CT110
1974 Honda ST90
1982 Honda CT70
1980 Honda CT110
1977 Honda CT90
1976 Honda CT90
1968 Honda CT90
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post #6 of 15 Old Jan 10th, 2013, 8:45 am
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Re: MC not considered "Motor Vehicle"

Read the "small print" I know that's difficult at an advanced age and that's exactly what "they" are counting on,

when Dad passed I found out, he had six different life insurance policies,

some he had been paying $20-25 a month since the early 80's,
several were accidental death and a couple were for cancer,
..............................it was in the small print.

Since he died of natural causes,
they paid nothing ................even though he had paid them thousands.


Hans
St. Petersburg FL

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2005 LT
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post #7 of 15 Old Jan 10th, 2013, 9:18 am
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Re: MC not considered "Motor Vehicle"

Quote:
Originally Posted by SilverBuffalo
Read the "small print" I know that's difficult at an advanced age and that's exactly what "they" are counting on,

when Dad passed I found out, he had six different life insurance policies,

some he had been paying $20-25 a month since the early 80's,
several were accidental death and a couple were for cancer,
..............................it was in the small print.

Since he died of natural causes,
they paid nothing ................even though he had paid them thousands.
+1
I executed a policy through my credit union and found out that the value is halved when I reach 70. They're no fools in the insurance business.

pm
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post #8 of 15 Old Jan 10th, 2013, 6:25 pm
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Re: MC not considered "Motor Vehicle"

Check your auto insurance as well. Motorcycles do not count as "vehicles". I haven't really checked in a while, but with State Farm (which I no longer use) a multi vehicle discount only applied if you had two four wheeled vehicles, car, truck, etc. A car and a motorcycle did not count. Not the only reason I dumped them, but it figured into the final tally.
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post #9 of 15 Old Jan 11th, 2013, 4:14 am Thread Starter
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Re: MC not considered "Motor Vehicle"

Quote:
Originally Posted by Tiger955
Check your auto insurance as well. Motorcycles do not count as "vehicles". I haven't really checked in a while, but with State Farm (which I no longer use) a multi vehicle discount only applied if you had two four wheeled vehicles, car, truck, etc. A car and a motorcycle did not count. Not the only reason I dumped them, but it figured into the final tally.
I have AAA auto and they also have MC coverage, however they are more expensive than my current carrier, Foremost. My AAA agent has changed his MC coverage to Foremost when he found out how little I pay ($123/yr) for my LT and my VStar.

2006 Yamaha Morphous "The Space Ship"
2005 Honda Reflex "Hi Yo Silver"
2004 Honda Aero Shadow VT750 "Black Beauty"
2003 Yamaha VStar 650 Classic "primero"
2003 Honda Reflex "Red Ryder"
2000 BMW K1200LT Like new as of 5/10/16
1999 BMW K1200LT "The Silver Bullet"
1996 Kawasaki KZ1000P "the 5-0"
1989 BMW K100RS "White Ghost"
1986 Honda Goldwing Espencade 1200 (work in progress)
1982 Honda Goldwing Interstate 1100 (same)
1980 Yamaha XS1100 fast
1979 Yamaha XS1100 just as fast

1986 Honda CT110
1974 Honda ST90
1982 Honda CT70
1980 Honda CT110
1977 Honda CT90
1976 Honda CT90
1968 Honda CT90
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post #10 of 15 Old Jan 11th, 2013, 8:03 am
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Re: MC not considered "Motor Vehicle"

I have never heard anything good about any AAA company. Be it life or auto insurance, AAA roadside & towing. They do not seam to even care to help if you have a motorcycle. I would find a different insurance company If I were you.

Stevie Shreeve
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post #11 of 15 Old Jan 11th, 2013, 2:49 pm Thread Starter
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Re: MC not considered "Motor Vehicle"

Quote:
Originally Posted by katnapinn
I have never heard anything good about any AAA company. Be it life or auto insurance, AAA roadside & towing. They do not seam to even care to help if you have a motorcycle. I would find a different insurance company If I were you.
kat, I've had AAA road coverage for 33 years and I could not do with out them. I have Premier coverage and it does include motorcycle tow. That's why I have it.

2006 Yamaha Morphous "The Space Ship"
2005 Honda Reflex "Hi Yo Silver"
2004 Honda Aero Shadow VT750 "Black Beauty"
2003 Yamaha VStar 650 Classic "primero"
2003 Honda Reflex "Red Ryder"
2000 BMW K1200LT Like new as of 5/10/16
1999 BMW K1200LT "The Silver Bullet"
1996 Kawasaki KZ1000P "the 5-0"
1989 BMW K100RS "White Ghost"
1986 Honda Goldwing Espencade 1200 (work in progress)
1982 Honda Goldwing Interstate 1100 (same)
1980 Yamaha XS1100 fast
1979 Yamaha XS1100 just as fast

1986 Honda CT110
1974 Honda ST90
1982 Honda CT70
1980 Honda CT110
1977 Honda CT90
1976 Honda CT90
1968 Honda CT90
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post #12 of 15 Old Jan 11th, 2013, 5:07 pm
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Re: MC not considered "Motor Vehicle"

Quote:
Originally Posted by EddieLo
kat, I've had AAA road coverage for 33 years and I could not do with out them. I have Premier coverage and it does include motorcycle tow. That's why I have it.
I have the plus RV coverage which includes the MC towing for 100 miles. Also have progressive "towing to the nearest dealer". Had to use AAA for the cars but not for the MC. They do take a long to to get to you but never a hassle. Just realized not quite on topic, sorry.

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post #13 of 15 Old Jan 11th, 2013, 5:44 pm
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Re: MC not considered "Motor Vehicle"

Why the heck would anyone 74 years old want accident insurance?

Your medical stuff should be handled by Medicare, a Part F supplement or similar and a drug plan or, if you qualify, one of the "advantage" type plans.

And your basic life insurance needs if you have a living spouse should be covered by something direct unless she has had a successful career and has her own adequate incomes other than what derives from you. Then jut some funeral and estate cost bucks if applicable is plenty

The wild card in planning long term care costs should you need assisted living and special nursing but that is ard to predict. Also many such policies are scams carefully worded to eliminate most possible claims..

Making kids rich isn't a life goal for at least some of us. Mine will inherit my stuff but it doesn't matter to me if I leave them a whole lot or live long enough to spend it all down. They got their educations on my dime and known how to handle money- both have pretty decent assets for their ages- a lot more than I did at the same age even when corrected for inflation.
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post #14 of 15 Old Jan 11th, 2013, 8:37 pm Thread Starter
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Re: MC not considered "Motor Vehicle"

Racer, I was looking at the accident-only insurance because it was dirt cheap. And I figured that if I go on my 6000 mile (r/t) tour in the spring I would be at high risk and the policy would pay well just in case. But, like I've explained, MCs are not covered. So that plan is now moot.
I have live insurance, free, provided my my employer. I have medical (Kaiser) free, provided by my employer also. Well, almost free, I have a $35/mo co-pay. I have a pr-paid funeral plan for me and my wife. And my union contributes $5.00 per member paid to my wife when I go to MC heaven. Not much, about 1500 members.
Financially, I'm set for life. No worries.
Back on topic. I went to San Jose BMW. As I was parking I saw a rider on a LT. I asked him if he liked his LT. He replied, "I just bought it. It's a 2005." We chatted for a while then I went inside the store. Jokingly, I asked the salesperson, "I'm interested in a used 2005 LT." He looked at me and said, "the only one we had was sold just five minutes ago." I told him I had met the new owner.
Anyway, I wanted to know how much for a complete tune-up and 25K service. Total parts, labor, tax, $697.36. Not bad. Does this sound about right?

2006 Yamaha Morphous "The Space Ship"
2005 Honda Reflex "Hi Yo Silver"
2004 Honda Aero Shadow VT750 "Black Beauty"
2003 Yamaha VStar 650 Classic "primero"
2003 Honda Reflex "Red Ryder"
2000 BMW K1200LT Like new as of 5/10/16
1999 BMW K1200LT "The Silver Bullet"
1996 Kawasaki KZ1000P "the 5-0"
1989 BMW K100RS "White Ghost"
1986 Honda Goldwing Espencade 1200 (work in progress)
1982 Honda Goldwing Interstate 1100 (same)
1980 Yamaha XS1100 fast
1979 Yamaha XS1100 just as fast

1986 Honda CT110
1974 Honda ST90
1982 Honda CT70
1980 Honda CT110
1977 Honda CT90
1976 Honda CT90
1968 Honda CT90
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post #15 of 15 Old Jan 11th, 2013, 8:57 pm
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Re: MC not considered "Motor Vehicle"

Quote:
Originally Posted by Tiger955
Check your auto insurance as well. Motorcycles do not count as "vehicles". I haven't really checked in a while, but with State Farm (which I no longer use) a multi vehicle discount only applied if you had two four wheeled vehicles, car, truck, etc. A car and a motorcycle did not count. Not the only reason I dumped them, but it figured into the final tally.
Maybe they just didn't like you (kidding)
I have State farm truck and MC insurance and I get the multi vehicle discount!
Seriously all insurance companies suck, I would dump SF for a better rate anytime.


Hans
St. Petersburg FL

2002 K1200LTE
"Silver Buffalo" Totaled 5/06
2005 LT
"Esperanza"
BushtecGenesisTrailer
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