Meziere-Reverser-web-ad-90x750-r3 copy

150 Most Recent Posts

Thread AuthorPostersPost AuthorForumThread/Post Link
RedOregon13Papa ZookHarley Tri GlideUpgrades on '24 Triglide?
Bama boy4DragonStallion TrikesStallion fuel pump
Bama boy4DragonStallion TrikesStallion fuel pump
Bama boy4DragonStallion TrikesStallion fuel pump
Papa Zook239SullyNew Member Introduct...What Made You Join TrikeTalk Forum?
RedOregon13RedOregonHarley Tri GlideUpgrades on '24 Triglide?
RedOregon13NotgrownupHarley Tri GlideUpgrades on '24 Triglide?
phillipschuckann7NotgrownupHonda TrikesWho made my trike?
Papa Zook239ol' schoolNew Member Introduct...What Made You Join TrikeTalk Forum?
PKLGW2pawsHonda Trikes2007 gl1800 motor trike
ultrafxr5Papa ZookHarley Tri GlideFinished at last . . . well at leas...
Noodles1072NotgrownupHarley Freewheeler /...Very Nice Gloves
ultrafxr5NotgrownupHarley Tri GlideFinished at last . . . well at leas...
Papa Zook239rhino 2New Member Introduct...What Made You Join TrikeTalk Forum?
PKLGW2PKLGWHonda Trikes2007 gl1800 motor trike
Papa Zook239skisnow806New Member Introduct...What Made You Join TrikeTalk Forum?
Speedy Pete12JTJerseyNew Member Introduct...New member from Alberta, Canada
Just BOB2Just BOBStallion Trikesinfo
ultrafxr5Longbeard71Harley Tri GlideFinished at last . . . well at leas...
ultrafxr5ultrafxrHarley Tri GlideFinished at last . . . well at leas...
ultrafxr5TrampasHarley Tri GlideFinished at last . . . well at leas...
ultrafxr5ultrafxrHarley Tri GlideFinished at last . . . well at leas...
Noodles1072Noodles107Harley Freewheeler /...Very Nice Gloves
Speedy Pete12cycle7447New Member Introduct...New member from Alberta, Canada
RISal24!12cycle7447New Member Introduct...New member..new to trikes
phillipschuckann7Papa ZookHonda TrikesWho made my trike?
RISal24!12ol' schoolNew Member Introduct...New member..new to trikes
Bama boy4Grey_Ghost_27Stallion TrikesStallion fuel pump
phillipschuckann7trike ladyHonda TrikesWho made my trike?
RISal24!12trike ladyNew Member Introduct...New member..new to trikes
Speedy Pete12RustyBNew Member Introduct...New member from Alberta, Canada
RISal24!12Marc HNew Member Introduct...New member..new to trikes
Bowie11RustyBNew Member Introduct...New to trike, old time rider
RISal24!12RustyBNew Member Introduct...New member..new to trikes
RISal24!12rhino 2New Member Introduct...New member..new to trikes
RISal24!12hardwickbvNew Member Introduct...New member..new to trikes
Bowie11hardwickbvNew Member Introduct...New to trike, old time rider
RISal24!12Uncle FesterNew Member Introduct...New member..new to trikes
Bowie11ZammyNew Member Introduct...New to trike, old time rider
RISal24!12SullyNew Member Introduct...New member..new to trikes
RISal24!12ZammyNew Member Introduct...New member..new to trikes
Chief80138520fdHarley Tri GlideHow many miles on your Triglide?
RISal24!12GorillaNew Member Introduct...New member..new to trikes
RISal24!12RISal24!New Member Introduct...New member..new to trikes
woody19woodyHonda Trikes2019 Goldwing CSC
DK Custom Products362NotgrownupHarley Tri GlideWhat did you do to Your Tri-Glide T...
Bouncer10NotgrownupHarley Tri GlideDrive Belt Replacement Time
Bouncer10BouncerHarley Tri GlideDrive Belt Replacement Time
Bouncer10BouncerHarley Tri GlideDrive Belt Replacement Time
phillipschuckann7GorillaHonda TrikesWho made my trike?
rjd637brianlHonda Trikes1989 Honda Goldwing trike opinions
DeathBySnuSnu19GorillaVW Powered TrikesVolkswagen Kit Cars
DK Custom Products362520fdHarley Tri GlideWhat did you do to Your Tri-Glide T...
SHARKDIVER4DK Custom ProductsGeneral Harley Chatsuper shox
phillipschuckann7trike ladyHonda TrikesWho made my trike?
phillipschuckann7ol' schoolHonda TrikesWho made my trike?
phillipschuckann7rhino 2Honda TrikesWho made my trike?
phillipschuckann7phillipschuckannHonda TrikesWho made my trike?
Bowie11Uncle FesterNew Member Introduct...New to trike, old time rider
RedOregon13RedOregonHarley Tri GlideUpgrades on '24 Triglide?
DeathBySnuSnu19DeathBySnuSnuVW Powered TrikesVolkswagen Kit Cars
Bowie11woodyNew Member Introduct...New to trike, old time rider
Just BOB2GorillaStallion Trikesinfo
SHARKDIVER4WindyOneGeneral Harley Chatsuper shox
Bouncer10GorillaHarley Tri GlideDrive Belt Replacement Time
Just BOB2Just BOBStallion Trikesinfo
Chief80138CagmoHarley Tri GlideHow many miles on your Triglide?
PopPop13consitterNew Member Introduct...New Member
TxHarleyRider2Papa ZookHarley Trike Convers...Need help bad with conversion.
PopPop13Pegasus1300New Member Introduct...New Member
Bouncer10NotgrownupHarley Tri GlideDrive Belt Replacement Time
PopPop13ol' schoolNew Member Introduct...New Member
Bowie11ol' schoolNew Member Introduct...New to trike, old time rider
Chief80138DOKKHarley Tri GlideHow many miles on your Triglide?
Bouncer10BouncerHarley Tri GlideDrive Belt Replacement Time
Bowie11trike ladyNew Member Introduct...New to trike, old time rider
Bowie11GorillaNew Member Introduct...New to trike, old time rider
Bowie11rhino 2New Member Introduct...New to trike, old time rider
Bowie11Marc HNew Member Introduct...New to trike, old time rider
SaltBushBill11Marc HNew Member Introduct...New member
Bowie11BowieNew Member Introduct...New to trike, old time rider
Rick Sinacore9RawhidekenHarley Tri GlideTour pack reinforcement
SaltBushBill11Uncle FesterNew Member Introduct...New member
Burnerboy3tommyv333Harley Trike Convers...Hey Bozo (Andrew)
Old Aviator5Old AviatorHonda TrikesGreasing a Motortrike Coupe SA rear...
Old Aviator5Old AviatorHonda TrikesGreasing a Motortrike Coupe SA rear...
Noodles1073JTJerseyHarley Freewheeler /...Tobacco Fade
Noodles1073trike ladyHarley Freewheeler /...Tobacco Fade
Old Aviator5Phu CatHonda TrikesGreasing a Motortrike Coupe SA rear...
SaltBushBill11SullyNew Member Introduct...New member
ronc44242Papa ZookHarley Tri Glidequestion
TxHarleyRider2TxHarleyRiderHarley Trike Convers...Need help bad with conversion.
Chappy KC5StrelnikovFrankensteinFrankenstein Kit
jerry1@iw.net4StrelnikovFrankensteinFrankenstein owners
TxHarleyRider2Papa ZookHarley Trike Convers...Need help bad with conversion.
Skavoola14SkavoolaNew Member Introduct...New to Trike Talk
Old Aviator5GoldWingrGregHonda TrikesGreasing a Motortrike Coupe SA rear...
El Lobo10El LoboHarley Tri GlideBeen away for a while
SaltBushBill11GorillaNew Member Introduct...New member
cissywalton2GorillaCalifornia Sidecar T...how do I change out the reverse bel...
Noodles1073Noodles107Harley Freewheeler /...Tobacco Fade
Old Aviator5Old AviatorHonda TrikesGreasing a Motortrike Coupe SA rear...
SaltBushBill11trike ladyNew Member Introduct...New member
ronc44242ronc4424Harley Tri Glidequestion
Old Aviator5SkavoolaHonda TrikesGreasing a Motortrike Coupe SA rear...
Old Aviator5rhino 2Honda TrikesGreasing a Motortrike Coupe SA rear...
Old Aviator5Old AviatorHonda TrikesGreasing a Motortrike Coupe SA rear...
cissywalton2cissywaltonCalifornia Sidecar T...how do I change out the reverse bel...
Skavoola14PosseRiderNew Member Introduct...New to Trike Talk
Skavoola14woodyNew Member Introduct...New to Trike Talk
PopPop13woodyNew Member Introduct...New Member
Speedy Pete12woodyNew Member Introduct...New member from Alberta, Canada
Vulcanology10woodyNew Member Introduct...New member
SaltBushBill11woodyNew Member Introduct...New member
SaltBushBill11hardwickbvNew Member Introduct...New member
Vulcanology10hardwickbvNew Member Introduct...New member
Speedy Pete12hardwickbvNew Member Introduct...New member from Alberta, Canada
SaltBushBill11rhino 2New Member Introduct...New member
RedOregon13NotgrownupHarley Tri GlideUpgrades on '24 Triglide?
SaltBushBill11ol' schoolNew Member Introduct...New member
Vulcanology10ol' schoolNew Member Introduct...New member
Speedy Pete12ol' schoolNew Member Introduct...New member from Alberta, Canada
D'07ShadowAero6ol' schoolNew Member Introduct...My Older and Dear Friends Gideon! M...
SaltBushBill11scuzziNew Member Introduct...New member
SaltBushBill11SaltBushBillNew Member Introduct...New member
PopPop2Pegasus1300Can Am Spyder Trike...New Member
Vulcanology10GorillaNew Member Introduct...New member
Vulcanology10rhino 2New Member Introduct...New member
Speedy Pete12Marc HNew Member Introduct...New member from Alberta, Canada
Vulcanology10Marc HNew Member Introduct...New member
TxHarleyRider2TxHarleyRiderHarley Trike Convers...Need help bad with conversion.
Speedy Pete12trike ladyNew Member Introduct...New member from Alberta, Canada
rjd637trike ladyHonda Trikes1989 Honda Goldwing trike opinions
DrCrazyTrain13Uncle FesterNew Member Introduct...Introduction
Vulcanology10Uncle FesterNew Member Introduct...New member
Speedy Pete12Uncle FesterNew Member Introduct...New member from Alberta, Canada
Speedy Pete12rhino 2New Member Introduct...New member from Alberta, Canada
Vulcanology10ZammyNew Member Introduct...New member
Speedy Pete12ZammyNew Member Introduct...New member from Alberta, Canada
RedOregon13RKplus10Harley Tri GlideUpgrades on '24 Triglide?
RedOregon13RedOregonHarley Tri GlideUpgrades on '24 Triglide?
SHARKDIVER4DK Custom ProductsGeneral Harley Chatsuper shox
RedOregon13DK Custom ProductsHarley Tri GlideUpgrades on '24 Triglide?
DanTheMan1DanTheManNew Member Introduct...Where Have All The Good Trikes Gone...
RedOregon13ultrafxrHarley Tri GlideUpgrades on '24 Triglide?
RedOregon13David792Harley Tri GlideUpgrades on '24 Triglide?
Rawhideken121dn5upHarley Tri Glide2024 Tri glide
rjd637pawsHonda Trikes1989 Honda Goldwing trike opinions
RedOregon13RedOregonHarley Tri GlideUpgrades on '24 Triglide?
Speedy Pete12Speedy PeteNew Member Introduct...New member from Alberta, Canada
Likes Likes:  0
Thanks Thanks:  0
Results 1 to 14 of 14

Thread: Florida Biker insurance, heads-up

  1. #1
    Tour Captain - Contributing Member Big_Steve's Avatar
    Join Date
    May 2010
    Location
    Southwest Florida
    Posts
    436
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Florida Biker insurance, heads-up

    I had gotten bike insurance from a company that deals in 800 numbers with a call center in Whoknowswhere, USA. The rate they gave me was pretty good compared to other call center based companies.

    I have since met an insurance agent here in Florida. She had me drop uninsured motorist coverage on the bike, and add "Stacked" uninsured motorist coverage to my auto policy. She showed me the Florida statute that proves I will be covered by my auto policy if I'm a victim of an uninsured motorist on my bike. She also told me about other customers who have did what I did, and the auto insurance paid out.

    My original policy on JUST my trike was $489.00/year. I now cover a trike and a Valkyrie for under $300.00/year. My auto policy went up $55.00 per year.

    Moral to the story..... If you live in Florida, buy your insurance from an agent that does a lot of motorcycles. I now have Progressive, but the savings is because of an experienced agent, not Progressive.

    My agent is in Sarasota Florida. If anyone wants the number, send me a personal message.
    Big_Steve AKA "Chiefy"
    2006 Honda VTX 1300 S Motor Trike. "Maryann" She got me back into riding. Gone, but never forgotten.
    1998 Valkyrie standard (2 wheel) "R'ota"

    [SIGPIC][/SIGPIC]

  2. #2
    100+ Posts
    Join Date
    Sep 2010
    Location
    Jefferson Hills, PA
    Posts
    117
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: Florida Biker insurance, heads-up

    Remember that you get what you pay for. Uninsured and underinsured cover the operator and passenger if involved in an accident caused by a motorist
    with no insurance or too little to cover the injury damages that were caused.
    Stacking allows the insured to add together the uninsured and underinsured
    on other household vehicles. THERE IS NO MEDICAL COVERAGE FOR A SOLO ACCIDENT WHERE A BIKER IS THE ONLY PERSON INVOLVED. That is because
    most states do not allow first party benefits on motorcycles. This is only one phase of an insurance policy. Liability is to protect your ass (ets) if you are at fault. Physical damage, comprehensive and collision, cover your bike. If financed, the lienholder will demand that comp and collision are in place. Uninsured and underinsured do NOT pay for your bike.

  3. #3
    T.O.I. - Florida jfingalls's Avatar
    Join Date
    May 2010
    Location
    Ormond Beach, Florida USA
    Posts
    457
    Thanks
    0
    Thanked 2 Times in 2 Posts

    Default Re: Florida Biker insurance, heads-up

    So help me out with this FREDG, is the stacked approach on our motor vehicle insurance adequate or does it leave us some liability? My limited understanding of uninsured motorist insurance is to protect us against the person who hits us and does not have insurance coverage for some reason or another (whatever the damages or personal injuries are). By the way, I would like the savings from dropping the uninsured motorist if this will work. Thanks and I am from Florida.

  4. #4
    TOI - New Jersey Doc's Avatar
    Join Date
    Aug 2010
    Location
    Lehigh Acres, FL
    Posts
    208
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: Florida Biker insurance, heads-up

    Let me add my 2 cents on this....while I'm back in New Jersey, I did live in Florida for 12 years and had Progressive Insurance. In 2002 I dropped them after my Ex had a Minor Fender bender where she backed into another Vehicle. Damage to our PT Cruiser was a Minor rub in the paint and a Cracked Tail Light lens...their adjuster estimated our damage at $935.00 and recommended a Body Shop to do the Repair. When I called them and requested to take the Cruiser to a friends shop to minimize my expense for the Repair they said "no, you have to repair it at a Progressive authorized Facility". I got a New Lens from the Chrysler Dealership I normally dealt with for $68.00 (I ran a Service Shop and that was my Dealer Cost)...purchased a Tube of McGuire's Scratch Out for a couple of bucks and Buffed the Rub Mark out of the Paint and Immediately cancelled the Progressive Insurance. Moral of the story is I won't pay inflated Insurance Rates so my Provider can get Kick-backs from the "Authorized Repair Facilities"!

    Ed

  5. #5
    100+ Posts
    Join Date
    Sep 2010
    Location
    Jefferson Hills, PA
    Posts
    117
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: Florida Biker insurance, heads-up

    Uninsured and underinsured are strictly medical coverage to protect you, the operator against drivers that have no (un) or not enough (under) to compensate
    for injuries that they cause you, the operator. Maybe an example. Bad citizen steals a car at a mall and while driving he hits you, the motorcyclist. Bad citizen of course jumps out of car and runs. You have injuries caused by an uninsured motorist. (The vehicle owner is not responsible as his car was stolen) (Bad citizen is unknown.) You, the motorcyclist, turn your claim into insurance coverage under YOUR uninsured coverage. Now if you carry stacked
    uninsured, you can add all of your uninsured coverage on all your vehicles together. So maybe you have two cars and a bike. Each carries 100,000 stacked. That would entitle you to $300,000 for medical bills. (I hope I am not boring everyone to death) Your bike is wrecked due to bad citizen so you the motorcyclist would turn this loss in under your collision coverage to YOUR carrier. Reverse the situation, you leave the mall in your car and hit a biker.
    That biker would look to Your liability insurance to cover his damages. Now as to the post about fixing a vehicle. You always have the choice of where to get your vehicle fixed. Some unnamed insurance companies want you to go to the cheapest shop around to keep their claims cost down. Don;t buy into this b.s. Hope this clarifies a bit

  6. #6
    T.O.I. - Florida jfingalls's Avatar
    Join Date
    May 2010
    Location
    Ormond Beach, Florida USA
    Posts
    457
    Thanks
    0
    Thanked 2 Times in 2 Posts

    Default Re: Florida Biker insurance, heads-up

    Thanks FREDG, it is crystal clear now. And thanks Big_Steve for the heads up it appears I can save about $175 a year (net savings). The actual savings on my Trike insurance will be around $230 per year with Foremost Insurance by dropping the Uninsured Motorist coverage. Thanks to all, John

  7. #7
    TOI - New Jersey Doc's Avatar
    Join Date
    Aug 2010
    Location
    Lehigh Acres, FL
    Posts
    208
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: Florida Biker insurance, heads-up

    Wow...you're intitled to your opinion but there was no BS involved! Unless of course you work for Progressive and took offense to the truth!

    Ed

  8. #8
    Tour Captain - Contributing Member Big_Steve's Avatar
    Join Date
    May 2010
    Location
    Southwest Florida
    Posts
    436
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: Florida Biker insurance, heads-up

    This was supposed to be a helpful thread. Take any fighting to email for Christ's sake.
    Big_Steve AKA "Chiefy"
    2006 Honda VTX 1300 S Motor Trike. "Maryann" She got me back into riding. Gone, but never forgotten.
    1998 Valkyrie standard (2 wheel) "R'ota"

    [SIGPIC][/SIGPIC]

  9. #9
    TOI - New Jersey Doc's Avatar
    Join Date
    Aug 2010
    Location
    Lehigh Acres, FL
    Posts
    208
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: Florida Biker insurance, heads-up

    Nuff said!

  10. #10
    100+ Posts
    Join Date
    Sep 2010
    Location
    Jefferson Hills, PA
    Posts
    117
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: Florida Biker insurance, heads-up

    My b.s. statement was meant to say that the insured does not have to go to the shop of Progressive's choice. Not that the statement was b.s.

  11. #11
    100+ Posts Big0's Avatar
    Join Date
    Apr 2011
    Location
    Oakland Park Fl, USA
    Posts
    104
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: Florida Biker insurance, heads-up

    Will definitely check into this as they just quoted me an enormous rate of over
    $1,000 for the Stallion alone at Geico.. Are they crazy ? Living it up in florida.

    Big0

  12. #12
    5+ Posts whentwothree's Avatar
    Join Date
    May 2011
    Location
    central florida
    Posts
    6
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: Florida Biker insurance, heads-up

    I will ask our agent about the stacked uninsured coverage, sounds plausable,

    but finding the willing agent was the KEY... Thanks Chiefy

  13. #13
    10+ Posts
    Join Date
    Aug 2013
    Location
    Sebring, Florida, USA
    Posts
    16
    Thanks
    0
    Thanked 3 Times in 2 Posts

    Default Re: Florida Biker insurance, heads-up

    I used to have Progressive and changed to Allstate when I owned a Spyder because Progressive was way to expensive. I have just purchased a Hannigan trike kit for my 2012 Wing and found that Allstate will not insure it. I just got State Farm this morning and they insured the trike with no problem. I was able to stack the uninsured, under insured portion on with my truck at all three agencies.

  14. #14
    1500+ Posts
    Join Date
    Oct 2012
    Location
    Batavia Ohio
    Posts
    1,536
    Thanks
    0
    Thanked 1 Time in 1 Post

    Default Re: Florida Biker insurance, heads-up

    Be very careful before accepting the idea of "stacking" uninsured/underinsured motorist. If you live in a state that permits it, please remember that if you have a claim, it counts against your bike AND your auto coverage. Might cause a rate increase that would negate the savings of Stacking. Think carefully, and talk to an agent that KNOWS, and can discuss the pros and cons of the move.

Similar Threads

  1. Lets See Some Rear Cylinder Heads
    By msocko3 in forum Harley Trike Conversions
    Replies: 34
    Last Post: 10-10-2012, 12:36 AM
  2. Old Biker, about to be new Triker
    By screwball in forum New Member Introductions
    Replies: 7
    Last Post: 04-12-2011, 03:00 PM
  3. Replies: 13
    Last Post: 07-01-2010, 03:09 PM
  4. You know you are a Biker when,...
    By zoood in forum General Discussion
    Replies: 5
    Last Post: 03-03-2010, 11:34 PM
  5. Just A Biker
    By robandlyn in forum General Discussion
    Replies: 5
    Last Post: 09-03-2009, 10:39 PM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •