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BIKER INSURANCE AND ROMANCE
By Chuck Wells
Guys who ride motorcycles are
more romantic than those who do not. I’ll explain later so you
have to read my insurance stuff first.
Motorcycle insurance covers almost nothing. If you fall off the
motorcycle, there is no coverage for your injuries so make sure
you have your own hospitalization insurance. Your policy only
covers damage done by you to other people and their cars. Of
course, the amount of damage you will do to someone else’s car
will be minimal compared to being in a car. Make sure you have
enough life insurance before riding the bike.
If you get a ticket driving a motorcycle, it will be charged
against your car insurance. That’s right, your car
insurance! If the ticket is for driving without a motorcycle
license, your car rates could increase by 50%.
If you have an accident with your motorcycle, it could also
raise your car insurance rates. If you are injured in the
accident but did not collect any money, your car insurance rates
could go up.
Coverage for your motorcycle itself (damage to it from an
accident, fire, or theft) must be purchased under the separate
motorcycle policy. There is no coverage for the bike
under your car insurance or your home insurance, even if it is
parked in your garage!
Bikers are more romantic? Progressive Insurance Company did a
survey of men who ride motorcycles and those who don’t and came
up with the following:
- Men who ride motorcycles
rated themselves more romantic than the men who don’t.
- Computer programmers rated
themselves 3 times more romantic than programmers who do not
ride motorcycles.
- Motorcyclists are 5 times as
likely to cry during romantic movies than those who have never
ridden a motorcycle.
- 62% of motorcyclists are
moved by poetry compared to 23% of men who don’t ride.
- Motorcyclists gave flowers 5
times during the year compared with 2 for
non-riders.
- Motorcyclists were 4 times
as likely to cry during an episode of Andy Griffith than those
who do not ride.
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