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Yesterday was "pay up sukka" day.

License Plate renewal

State Safety Inspection

So, when I got to the Inspection station, and drove bike into the bay he commented... "that is the QUIETEST bike I've ever inspected!!!" We had a nice visit about early days of riding, etc... since we are both of the 60's generation... we discussed the Honda 750's, etc...

Our discussion was interrupted about 5 times as "Noisy Davidsons" drove by.. over 200 feet from us..

Thankfully everything worked on the bike.... I was wondering if he would take it apart to see what made it so quiet!!!
 

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I like it!...........
 

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No inspection for cages or bikes in Ohio!
:dance: :dance: :dance:

Some counties do require a sniff test & code download for air quality. Bikes are exempt.
 

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$37 per year for tabs here in Washington. No emissions inspections, safety inspections etc.. Not even any insurance requirements for motorcycles.

BTW I would GLADLY pay an annual inspection fee if they would refuse to license the V Twins with no baffles and impound them if they got caught riding 'em without baffles.

Oh, you do have to replace the plate every 7 years. I guess the numbers wear out??? Asked a Stater why and he told me it's because the reflective qualities of the plate diminish over time. Noticed he wasn't looking me in the eye when he dribbled forth this bit of information!
 

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Yearly Tags.

Yearly Inspection on Bike.
Yearly Inspection and Emissions on the Car

Minimal Insurance needed on all vehicles.

Dont splain why I have to carry Uninsured Motorist Insurance on both, in a "no fault" State.

Used to be worse, we had Inspection on cars every 6 months!
 

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Lee,

You don't, by law, have to carry Uninsured/Underinsured coverage in PA. I refused it on my bike's policy.

The only insurance required in any state I'm aware of is liability to protect others from damaged caused by you. If you have a lien, the lienholder normally requires collision coverage to protect their investment, but that is company policy, not law.

LAF said:
Yearly Tags.

Yearly Inspection on Bike.
Yearly Inspection and Emissions on the Car

Minimal Insurance needed on all vehicles.

Dont splain why I have to carry Uninsured Motorist Insurance on both, in a "no fault" State.

Used to be worse, we had Inspection on cars every 6 months!
 

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XTrooper said:
Lee,

You don't, by law, have to carry Uninsured/Underinsured coverage in PA. I refused it on my bike's policy.

The only insurance required in any state I'm aware of is liability to protect others from damaged caused by you. If you have a lien, the lienholder normally requires collision coverage to protect their investment, but that is company policy, not law.
You are correct and I should have been clearer in my statement.

I choose to carry it. When my agent first asked me about it many years ago I thought hmmm why do I need this. I am in a no fault State and EVERYONE needs insurance to drive, inspect, a car.

At that time I was working in a Feed Mill near Gettysburg. Well I have to say Adams County must have more migrant workers then you can shake a stick at. Orchard Country here in PA. I was convinced.

That is why I carry the coverage. There is a large population that drive with no regards to the rules and regulations. Not only migrant workers.
 

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'round these here parts you won't know if you have been hit by "insured" or "uninsured" until after the bills come due... usually "they" buy coverage then cancel once they get the paper...
 

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LAF said:
You are correct and I should have been clearer in my statement.

I choose to carry it. When my agent first asked me about it many years ago I thought hmmm why do I need this. I am in a no fault State and EVERYONE needs insurance to drive, inspect, a car.

At that time I was working in a Feed Mill near Gettysburg. Well I have to say Adams County must have more migrant workers then you can shake a stick at. Orchard Country here in PA. I was convinced.

That is why I carry the coverage. There is a large population that drive with no regards to the rules and regulations. Not only migrant workers.
Your concerns are well-founded. I can attest to the fact that there are always a number of uninsured motorists on the road, mostly from those populations that have the least to lose.

On top of this, in our current economic environment, the number of uninsured motorists will almost certainly rise as fewer people are able to afford their premiums.
 

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My sincere advice is to pay the price for UM coverage. Yes, you're paying for somebody else's insurance but if they hit you and they don't have coverage, your outta luck. It's worth the price. Yes, you can argue that all insurance is a rip off but it really makes sense. Ask anyone whose ever been in an accident and had insurance to cover the bills. I've spent my entire professional life dealing with insurance matters and accidents so my view is colored by my personal experience.
 

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judgebill said:
My sincere advice is to pay the price for UM coverage. Yes, you're paying for somebody else's insurance but if they hit you and they don't have coverage, your outta luck. It's worth the price. Yes, you can argue that all insurance is a rip off but it really makes sense. Ask anyone whose ever been in an accident and had insurance to cover the bills. I've spent my entire professional life dealing with insurance matters and accidents so my view is colored by my personal experience.

Here in New Hampshire, insurance is not required, so uninsured motorist is a very good idea.

Last year my stepson was in an accident. He did not have insurance and was at fault. We have always had insurance and tried to tell him he should have it, but at 19, you really couldn't tell him anything. He hit two other cars, causing a total of $14k of damage, and totaling his own vehicle. By law he is responsible to cover it. The state pulled his license until he pays it. He now wishes he would have listened to us. The other two drivers had uninsured motorist coverage, had they not, they would be out the cost of the damage since he does not have any coverage.
 

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judgebill said:
My sincere advice is to pay the price for UM coverage. Yes, you're paying for somebody else's insurance but if they hit you and they don't have coverage, your outta luck. It's worth the price. Yes, you can argue that all insurance is a rip off but it really makes sense. Ask anyone whose ever been in an accident and had insurance to cover the bills. I've spent my entire professional life dealing with insurance matters and accidents so my view is colored by my personal experience.
Don't forget UNDER insured motorist insurance. Had a guy at work get hit by someone with just the bare minimum insurance, his medical bills far exceeded the coverage that guy had. Top it off that he didn't have a job or any property to take.
 

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Tony, What a tragedy for your stepson. $14,000 must seem like an insurmountable sum to him at this time in his life. Thank God he didn't cause serious bodily injury to one or more of the auto occupants. If it is appropriate you might try to think of a way to pass on the following information. My wife was feeling severe abdominal pain in December last year so off to the ED we went. 5 hrs later they whacked out her gall bladder. She spent one night in the hospital, the surgery lasted about one hour and the bill BEFORE the surgeon and the gas passer was $22,000! A traumatic vehicle injury requiring a couple days in intensive care, a week in the hospital and therapy would likely exceed $250,000. This would truly be an insurmountable amount of money for most of us working stiffs to earn in order to make the injured party whole JUST FOR THE HOSPITAL STAY! Add in lost wages, pain and suffering, lawyers fees etc.and there would never be a light at the end of the tunnel.

BTW, I opted for the least expensive healthcare plan at the hospital where I work. The monthly premium is $34. $17 per pay period. We were out of pocket $1600. Less than 3 overtime shifts at the hospital and I could have earned the $1600 if I hadn't already had the money.

Obviously we insure everything we own. If you can't afford to insure it you can't afford to drive it.

The squidders from Oregon cross the river into Washing to do their 100 mph plus passes on our highways. Why? Because of they get pulled over for reckless driving they get a ticket. In Oregon they also cite them for now insurance,($1000), impound their bikes, pull their drivers license and force them to provide SR22 filings for 5 years after they finally get their licenses back. Sad but true.

Loren

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living_free said:
Here in New Hampshire, insurance is not required, so uninsured motorist is a very good idea.

Last year my stepson was in an accident. He did not have insurance and was at fault. We have always had insurance and tried to tell him he should have it, but at 19, you really couldn't tell him anything. He hit two other cars, causing a total of $14k of damage, and totaling his own vehicle. By law he is responsible to cover it. The state pulled his license until he pays it. He now wishes he would have listened to us. The other two drivers had uninsured motorist coverage, had they not, they would be out the cost of the damage since he does not have any coverage.
 

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I guess I should have included that luckily no one was injured in the accident.

He will be required to file and SR-22 when he finaly gets his license back, and his premiums will be extremely high.

And yes, $14,000 might as well be $14 million to him at this stage of his life.

I agree that if you can't afford insurance for it, you shouldn't have it. We have insurance on everything, something I have always done, and tried to teach my children. But sometimes they have to learn lifes lessons on their own. This is a very tough one for him.

wa1200lt said:
Tony, What a tragedy for your stepson. $14,000 must seem like an insurmountable sum to him at this time in his life. Thank God he didn't cause serious bodily injury to one or more of the auto occupants. If it is appropriate you might try to think of a way to pass on the following information. My wife was feeling severe abdominal pain in December last year so off to the ED we went. 5 hrs later they whacked out her gall bladder. She spent one night in the hospital, the surgery lasted about one hour and the bill BEFORE the surgeon and the gas passer was $22,000! A traumatic vehicle injury requiring a couple days in intensive care, a week in the hospital and therapy would likely exceed $250,000. This would truly be an insurmountable amount of money for most of us working stiffs to earn in order to make the injured party whole JUST FOR THE HOSPITAL STAY! Add in lost wages, pain and suffering, lawyers fees etc.and there would never be a light at the end of the tunnel.

BTW, I opted for the least expensive healthcare plan at the hospital where I work. The monthly premium is $34. $17 per pay period. We were out of pocket $1600. Less than 3 overtime shifts at the hospital and I could have earned the $1600 if I hadn't already had the money.

Obviously we insure everything we own. If you can't afford to insure it you can't afford to drive it.

The squidders from Oregon cross the river into Washing to do their 100 mph plus passes on our highways. Why? Because of they get pulled over for reckless driving they get a ticket. In Oregon they also cite them for now insurance,($1000), impound their bikes, pull their drivers license and force them to provide SR22 filings for 5 years after they finally get their licenses back. Sad but true.

Loren

i
 
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