1. everycredit

    everycredit Been here awhile

    Joined:
    May 14, 2012
    Oddometer:
    272
    Location:
    Tacoma
    It's been nagging at me for quite a while--I should get insurance for the bike, especially if I want to leave the state (legally).

    Fellow Washingtonians: who do you recommend? Who actually had to "use" their insurance and how was it to deal with the insurer?

    Thanks.
    #1
  2. HotChilliColdBeer

    HotChilliColdBeer Human Swizzle Stick

    Joined:
    Mar 4, 2007
    Oddometer:
    330
    Location:
    98155
    And without it woulda been in a rather large financial hole.

    Long story short, some uninsured dickwad decided to hit and run on my ass. Totaled the bike and gear (helmet, jacket, pants), shoulder surgeries. I burned every penny of my motorcycle 'Un/underinsured' policy. My auto insurance kicked in to help cover the costs, there were that many $ bills. All because dickwad was late for work and didn't know what the mirrors in the car are for.

    I have since upped my policy coverage, $50,000 will go quick when you go under the knife. I look at it this way - $200-300 a year is cheap when you're sitting at home unable to work for 3 months. Knowing the coverage would take care of the bills was worth it.

    Regarding dealing with the insurance company, there was good and bad. The adjuster and the bike/gear settlement was very good. The medical/out of work settlement, that was a JOKE. Progressive sucks balls. They fought me every step of the way. I attribute it to the business model of ' Do everything you can to not pay a claim.'

    That just my story.



    Charlie
    #2
  3. Handy

    Handy Sunburnt

    Joined:
    Sep 17, 2011
    Oddometer:
    1,666
    Location:
    The great state of Idaho
    Do you not have any insurance, not even liability? There is no reason for that, I have state minimum liability on one bike, it is $15 per year. My other bike has full coverage with $100 deductible for $110 per year. I have never made a claim so I can't say how it is to deal with the insurance company in that regard.
    #3
  4. Scott_PDX

    Scott_PDX Leisure Engineer

    Joined:
    Oct 18, 2010
    Oddometer:
    3,868
    Location:
    Portland...the newer one on the left side.
    Are you talking a dirt bike or a street bike? If street, then of course the answer is YES! Liability insurance is required for street bikes and protects the rest of us.
    #4
  5. Handy

    Handy Sunburnt

    Joined:
    Sep 17, 2011
    Oddometer:
    1,666
    Location:
    The great state of Idaho
    Wow, I had no idea!

    Exceptions

    You don’t need to have insurance when you operate a vehicle registered as any of the following:

    #5
  6. WeeMcD

    WeeMcD V-Strom explorer

    Joined:
    Jul 3, 2009
    Oddometer:
    499
    Location:
    Seattle
    The state of Washington does not require insurance on motorcycles. Just realize that it's your own assets and life at risk. I believe that all surrounding states require insurance.

    #6
  7. turnsleft

    turnsleft Long timer

    Joined:
    Jun 23, 2007
    Oddometer:
    1,566
    Location:
    Woolley
    It is against the law to get in a wreck with out insurance.

    Three bikes with Allstate.
    #7
  8. Lumberjeff

    Lumberjeff River City MC

    Joined:
    Dec 21, 2012
    Oddometer:
    96
    Location:
    Tacoma, WA
    I have and have used Nationwide. I have had to use them for a motorcycle and a car accident. They did great both times.
    #8
  9. WeeMcD

    WeeMcD V-Strom explorer

    Joined:
    Jul 3, 2009
    Oddometer:
    499
    Location:
    Seattle
    It's against the law to not have insurance for a car in Washington, but motorcycles don't require insurance. The law posted above is correct.
    #9
  10. HH

    HH Hurricane Harry

    Joined:
    Dec 3, 2010
    Oddometer:
    1,676
    Location:
    Seattle/Dahlonega
    maybe WA lets us ride without insurance, but it's illegal to wreck without it:lol3
    #10
  11. BigDave75

    BigDave75 Will Work for Food!

    Joined:
    Oct 23, 2009
    Oddometer:
    1,772
    Location:
    God's Country
    Two words: State Farm
    #11
  12. HotChilliColdBeer

    HotChilliColdBeer Human Swizzle Stick

    Joined:
    Mar 4, 2007
    Oddometer:
    330
    Location:
    98155
    Tod - True of false?



    Charlie
    #12
  13. oldmonkeybut

    oldmonkeybut Digital Emigrant

    Joined:
    Jan 5, 2009
    Oddometer:
    2,725
    Location:
    Western Rain county, Oregon
    You may be able to ride in Wa. without insurance but don't cross the border. Even if you live elsewhere, Oregon requires insurance to ride here.
    #13
  14. Maxacceleration

    Maxacceleration Awol

    Joined:
    Oct 9, 2009
    Oddometer:
    2,281
    Location:
    Wa
    I use AAA insurance. They use Progressive for my bike.
    I have also used GMAC for my bike. It was cheap at the time.
    Progressive is cheaper now.
    Look at AAA, they are more than maps & towing. I have saved considerably on everything insured with them.
    I have also learned not to underinsure. I was broken up pretty good and needed more coverage (not to mention the people that hit me were underinsured also).

    Its your risk... You feeling lucky?
    #14
  15. turnsleft

    turnsleft Long timer

    Joined:
    Jun 23, 2007
    Oddometer:
    1,566
    Location:
    Woolley
    Last I remember from my ins guy, one needs ins and proof of ins for cars/trucks and such and ins but no proof of ins for motorcycles. That was a few years ago and could be just the last thing in my not so good memory.

    Any way I have ins on 3 dual~sports for way less by switching from where I was[for 35 yrs].:D
    #15
  16. peterman

    peterman cop magnet

    Joined:
    Jan 2, 2006
    Oddometer:
    14,047
    Location:
    Springfield,,,,like the Simpsons,,,orygun
    red,white, and blues flashing!
    You pull to the shoulder in an out of traffic location, shut off the bike, and (out of respect) remove your helmet to show your face.

    OSP, (or Sheriff, local) walks up beside you.
    "I'll need to see your,,Driver's Lic., Registration, and Proof of Insurance.",,then you get the "do you know how fast you blah blah,, or,,do you know why I stopped you?" BS,,,,
    AFTER they enter yer info into the system,

    ,3 separate infractions right there if you don't have your paperwork. And serious cause for them to tear into every other possible infraction a scofflaw bastard like you is likely to commit,,muffler,,all yer lights, horn, etc,, until he finds something else to write you for. You invited it,, besides the ticket for 10 over, now you get your bike towed, and six more tickets because you didn't have the basic 3. that's how it works here in Oregon. as a consequence,,hopefully,,everyone is insured.
    But I also carry and 'uninsured driver' clause when I pay up.
    Just in case some of the more northern guys are riding down here and crash me! ;>)

    I was lit up outside of Randle a few years back, and handed the county mounty officer all my paper,,he looked at me like,,"what is all this stuff"?,,I told him,,required papers for where I live/ride,,no coverage, no plates!

    He then proceeded to lecture me as to how Warshington riders don't NEED insurance to ride.
    "But the cars do don't they?", I asked, and he said 'yes'.
    I thanked him for the warning, :eek1 and told him I hoped that none of his uninsured Warshington riders ever hit me!:deal
    I carry full coverage, plus roadside assist, flood/fire,zombie a-pock-o-lips, etc. on all my bikes,,,&,,,,basic liability on my ratty old pickup.:lol3
    #16
  17. Eldon

    Eldon 950 ADV

    Joined:
    Dec 24, 2004
    Oddometer:
    515
    Location:
    WA
    Man I never thought about not having insurance as I crossed into another state... Funny the two times I've been pulled over here in WA I had to explain to the cop that you're not required to have insurance in WA. Both times I was let go without a ticket (for the real reason I was pulled over).

    Anyway, I should look into getting it again. When I check on insurance for the 950A back in 2005 I was quoted at $850 per year. So far I've saved $6800 and now that the beast is worth less then what I've saved maybe it'll be a little cheaper. :wink:
    #17
  18. Handy

    Handy Sunburnt

    Joined:
    Sep 17, 2011
    Oddometer:
    1,666
    Location:
    The great state of Idaho
    Jesus lover! My full coverage on a truck, car, and bike plus liability on another car and bike aren't that much per year all together! No wonder you don't get insurance if it's that much in WA, I was wondering why the hell wouldn't someone get liability insurance for only $15/year.
    #18
  19. Eldon

    Eldon 950 ADV

    Joined:
    Dec 24, 2004
    Oddometer:
    515
    Location:
    WA
    My wife's car and my truck is about $450 a year for full coverage. I was only 20 years old when I got a few quotes but it was cheaper to get a signature load then to get a lower rate on a motorcycle loan and buy full coverage insurance.
    #19
  20. peterman

    peterman cop magnet

    Joined:
    Jan 2, 2006
    Oddometer:
    14,047
    Location:
    Springfield,,,,like the Simpsons,,,orygun
    when you get to be older,,(ahem) yer rates drop dramatically,,currently 3 bikes covered (with multi-vehicle discount) for just over $400 per year, full coverage, for all three. I'm 63.
    PS,,I have been a long ways from home and had need of coverage to rescue me,when it comes to,,"I hurt, and my bike's f'd up,I wish somebody would take me home", it's worth every cent when needed!
    #20