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Old 10-26-2012, 02:13 PM   #1
RFVC600R OP
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Quick insurance Question....Sorry guys!

I didn't know where to post this, Sorry but I just need a quick answer.

When I signed up for insurance through Mcgraw Group, They didn't ask me what my est. yearly mileage will be. On my paper work it list 2000 miles a year What happens if I am over it? I did 3300~ miles and I'm not even a quarter way through my policy.
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Old 10-26-2012, 03:40 PM   #2
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Contact your insurance agent and ask if it matters.
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Old 10-26-2012, 03:46 PM   #3
Trl Rdr
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The higher the miles the more your premium is! Your agent saved you some $ with the lower estimated mileage.

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Old 10-26-2012, 04:21 PM   #4
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Quote:
Originally Posted by Trl Rdr View Post
The higher the miles the more your premium is! Your agent saved you some $ with the lower estimated mileage.
If he is knowingly stating a fake mileage in order to get a lower rate, that is insurance fraud. It doesn't matter if the agent put it down and he never said it, he has paperwork stating the mileage (might be an ample mileage allowance for the agent's Harley bar-to-bar on nice days customers for example) and he knows it is wrong. They could even try to deny coverage. A few thousand miles may make very little price difference, maybe even none. Typically the company is more interested in type of use such as "commuting" vs. "pleasure" vs. delivery or commercial use.

Lying is not okay just because it saves you money. If he emails his agent about the wrong mileage and THEN the agent says it doesn't matter, he has done his duty.
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Old 10-26-2012, 05:05 PM   #5
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I'm waiting on a reply from my agent. Hopefully it doesn't matter. No way I could only use 2K miles in a year even if I just rode it on the weekends n stuff. Everything is so far away from each other in the desert, rack up miles quick on any machine.
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Old 10-26-2012, 05:37 PM   #6
GSAragazzi
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Hey Dracus... are you a Marine? (your location)
If so, check the rate through USAA. Chances r you'll get a better rate regardless miles etc.
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Old 10-26-2012, 07:30 PM   #7
nskitts
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I doubt it matters much. I don't think my insurance company asked. If you are nervous about it call and ask what happens if you go crazy and take a cross country trip.
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Old 10-27-2012, 06:16 AM   #8
RFVC600R OP
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Quote:
Originally Posted by GSAragazzi View Post
Hey Dracus... are you a Marine? (your location)
If so, check the rate through USAA. Chances r you'll get a better rate regardless miles etc.
Semper Fi
No I am not a marine, just some poor fucker stuck here
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Old 10-27-2012, 07:26 AM   #9
Grreatdog
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State Farm kept sending me a mileage form to fill out for my Cherokee. I finally filled the last one out to say that if they wanted my three cars, two bikes and house on State Farm I would never see that form again. I still can't believe it worked. But they stopped sending them. Anyway, State Farm and Progressive have never asked for mileage estimates on my bikes.
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Old 10-27-2012, 08:41 AM   #10
hamiamham
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Don't f-ck with the insurance company; they will use any excuse not to pay you in event of damage to your bike. Change the mileage to whatever is realistic. Trust me on this this; my father was in the insurance industry for his entire career.
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