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Jul 5th 2019, 02:38 PM   #16
 Thunder's Avatar
 
  Sep 2016
  Stanwood

  2013 Aprilia Tuono
What do you do if you have a garage full of Motorcycles? I have reduced risk by avoiding traffic, and pedestrians. 90% of my riding is on 2 lane rural roads.I park my motorcycles inside, and secure. Almost never out of site. If I destroy my Aprilia Tuono, replacing the motorcycle is probably the least of my problems. I ride mostly alone. I worry the most about running into a another rider, or a pedestrian, even though not very likely.
I wish they had broadform liability for motorcycles.
Flyboymedic likes this.
Jul 5th 2019, 03:08 PM   #17
 chadams66's Avatar
 
  Jan 2016
  Garden Home

  2012 Versys...'83 BMW R80 RT...Suzuki GS 450t
Quote:
Originally Posted by Thunder
What do you do if you have a garage full of Motorcycles? I have reduced risk by avoiding traffic, and pedestrians. 90% of my riding is on 2 lane rural roads.I park my motorcycles inside, and secure. Almost never out of site. If I destroy my Aprilia Tuono, replacing the motorcycle is probably the least of my problems. I ride mostly alone. I worry the most about running into a another rider, or a pedestrian, even though not very likely.
I wish they had broadform liability for motorcycles.
I have 3 bikes under one policy @ around $275 a year..I believe they consider you to be riding one bike at a time and the policy actually covers whatever you're riding at the time...I could be wildy wrong...
I'm in Oregon..I don't know if that will make any difference either...
Jul 5th 2019, 03:47 PM   #18
 Sentinel's Avatar
 
  Jun 2016
  Poor Tortured

  2019 Nada
Quote:
Originally Posted by chadams66
I have 3 bikes under one policy @ around $275 a year..I believe they consider you to be riding one bike at a time and the policy actually covers whatever you're riding at the time...I could be wildy wrong...
I'm in Oregon..I don't know if that will make any difference either...
i think you're wildly wrong.

i think all parts of your policy are per-vehicle and none overlap, i.e., if your riding your Duc but only your Beemer has liability, if you wreck the Duc, yer fucked.
Jul 6th 2019, 06:38 AM   #19
 Akdawg's Avatar
 
  Dec 2018
  Goldendale WA

  Classic Sportsters, Triumph & BSA
A lot of riders I've been talking to know nothing of this. I've been in contact with my 14th dist representatives and Rep Jenkin that authored the bill asking them for PSAs to get the word out. The response I been getting is " well just look at the Dept of Licensing or Dept of Insurance website. " How many riders spend their days trolling Washington Department websites looking for something that might effect them? I asked the reps to cough up a few bucks for Facebook ads or some other new wave social media to get the word out and met with an "oh well" answer. So much for our representatives serving their constituents....guess they'll leave it up to WSP to get the info out as they write tickets for no insurance. My State Farm agent told me they got official notification last Monday by the state Dept of Insurance of the new law. Timely huh?

Edited by Akdawg on Jul 6th 2019 at 06:47 AM
Jul 6th 2019, 07:25 AM   #20
 ZXtasy's Avatar
 
  Jan 2016
  Moses Lake, WA

  2013 Kawasaki Concours C-14, 2005 ZX-10R Kawasaki (Nekkid), '99 Yamaha TW-200
Yeah, I am still amazed my agent knew nothing about ti until I sent the the link in this thread a couple of weeks ago. They called me and said, uh, yes...I guess that's right. I hate to think all conspiratorial and stuff, but is this some sneak attack? The day the law goes into effect, a nice warm July day, every bike on the road will be a target to get pulled over to check for insurance. At about $500 a pop for riding W/O would add up fast, Ka-Ching!

(For you youngsters that is the sound a 'cash register' machine used to make....Google it.)
Jul 6th 2019, 08:10 AM   #21
 Texasl's Avatar
Moderator
 
  Jan 2016
  Northeast Olalla

  07 Guzzi
Quote:
Originally Posted by ZXtasy
Yeah, I am still amazed my agent knew nothing about ti until I sent the the link in this thread a couple of weeks ago. They called me and said, uh, yes...I guess that's right. I hate to think all conspiratorial and stuff, but is this some sneak attack? The day the law goes into effect, a nice warm July day, every bike on the road will be a target to get pulled over to check for insurance. At about $500 a pop for riding W/O would add up fast, Ka-Ching!

(For you youngsters that is the sound a 'cash register' machine used to make....Google it.)
Insurance is a secondary offense, which means that the LEO will need probable cause to initiate the encounter. It may sound a bit strange, but maybe you shouldn't give them an obvious reason to stop you in the first place.
Jul 6th 2019, 10:33 AM   #22
 VeritasImageryNW's Avatar
 
  Jan 2016
  Allyn, WA

  '06 HD Street Bob, '85 Yamaha FJ600, '99 Honda CBR600f4
Quote:
Originally Posted by Texasl
Insurance is a secondary offense, which means that the LEO will need probable cause to initiate the encounter. It may sound a bit strange, but maybe you shouldn't give them an obvious reason to stop you in the first place.
Easier said than done sometimes..."Yer motorbike sounds a bit too loud..." "You were swerving around in yer lane a bit, have you been drinking?" "I didn't see yer brake light when you slowed down, I think you have a light out." "This motorcycle looks a lot like one reported stolen."

One thing I learned while getting my Law Enforcement degree was that it doesn't take much at all to have "probable cause" for a traffic stop.
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Jul 6th 2019, 11:43 AM   #23
 liberpolly's Avatar
 
  Jan 2016
  Seattle

  Ducati Diavel, Aprilia Scarabeo
Quote:
Originally Posted by Thunder
What do you do if you have a garage full of Motorcycles? I have reduced risk by avoiding traffic, and pedestrians. 90% of my riding is on 2 lane rural roads.I park my motorcycles inside, and secure. Almost never out of site. If I destroy my Aprilia Tuono, replacing the motorcycle is probably the least of my problems. I ride mostly alone. I worry the most about running into a another rider, or a pedestrian, even though not very likely.
I wish they had broadform liability for motorcycles.
If your garage full of motorcycles which are happened to be made before 1990, you can get collectible plates and be exempted from mandatory insurance (and annual fees).
Jul 6th 2019, 11:50 AM   #24
 LaCorski's Avatar
 
  Oct 2016
  Yakima

Quote:
Originally Posted by Thunder
What do you do if you have a garage full of Motorcycles? I have reduced risk by avoiding traffic, and pedestrians. 90% of my riding is on 2 lane rural roads.I park my motorcycles inside, and secure. Almost never out of site. If I destroy my Aprilia Tuono, replacing the motorcycle is probably the least of my problems. I ride mostly alone. I worry the most about running into a another rider, or a pedestrian, even though not very likely.
I wish they had broadform liability for motorcycles.
Exactly! I'm fine with carrying insurance but when you ride multiple bikes... it's a bit more frustrating and expensive. Just makes it tough for those of us who really enjoy the sport from multi bike experiences.

Sent via SM-J737V
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Jul 6th 2019, 12:44 PM   #25
 chadams66's Avatar
 
  Jan 2016
  Garden Home

  2012 Versys...'83 BMW R80 RT...Suzuki GS 450t
Quote:
Originally Posted by Sentinel
i think you're wildly wrong.

i think all parts of your policy are per-vehicle and none overlap, i.e., if your riding your Duc but only your Beemer has liability, if you wreck the Duc, yer fucked.
uuhhh..I'm not sure why you'd have your beemer insured but not your duc..but I guess that would make some sort of sense? my policy "may not" have overlap..but it is 275 for three bikes..by some peoples thinking it should 3 times 275..but in my case at least that ain't so...figure it out..I'm paying a little over 91 dollars a year per bike..and I can guarantee you if I sell one the price ain't coming down...I don't know who your insurance agents are..but don't get ripped off...
Jul 6th 2019, 01:29 PM   #26
 VeritasImageryNW's Avatar
 
  Jan 2016
  Allyn, WA

  '06 HD Street Bob, '85 Yamaha FJ600, '99 Honda CBR600f4
Quote:
Originally Posted by chadams66
uuhhh..I'm not sure why you'd have your beemer insured but not your duc..but I guess that would make some sort of sense? my policy "may not" have overlap..but it is 275 for three bikes..by some peoples thinking it should 3 times 275..but in my case at least that ain't so...figure it out..I'm paying a little over 91 dollars a year per bike..and I can guarantee you if I sell one the price ain't coming down...I don't know who your insurance agents are..but don't get ripped off...
What he is saying is that if your "proof of insurance" only shows one bike, then that's the only one that is covered. In WA you will have a separate insurance card for each vehicle. You cannot use a card for the "Beemer" while riding the "Duc". I have two bikes under one policy, but insurance cards for each. If I'm riding the Harley, but only have the card for the Honda I can still face a "lack of insurance" ticket that I would then have to fight in court. The same could be said if I were to get in an accident.
Jul 6th 2019, 01:52 PM   #27
 chadams66's Avatar
 
  Jan 2016
  Garden Home

  2012 Versys...'83 BMW R80 RT...Suzuki GS 450t
Quote:
Originally Posted by VeritasImageryNW
What he is saying is that if your "proof of insurance" only shows one bike, then that's the only one that is covered. In WA you will have a separate insurance card for each vehicle. You cannot use a card for the "Beemer" while riding the "Duc". I have two bikes under one policy, but insurance cards for each. If I'm riding the Harley, but only have the card for the Honda I can still face a "lack of insurance" ticket that I would then have to fight in court. The same could be said if I were to get in an accident.
interesting my insurance card has all three bikes listed on it...I don't suppose if you have multiple cards you could carry them all? or at least make sure you have the right one on you? I still can't see any real problems here..but then I don't live in Washington any more...things are kind of tough up there it seems...
so if you're out there riding your bike and you get into an unfortunate accident and you don't have the right insurance card on you..who's fault is that? why would you do that? I don't really think that's a valid point...yeah you'd have to go to court to fix "your" error..but it would seem to be a very easy case to win...I would advise not doing that and avoiding any trouble...seems simple enough to me..but then I'm lucky and only have that one card..right? well two really..amazingly enough my car insurance card has both of my cages on it...funny thing..I carry my car insurance card when I'm riding my bike...kind of crazy I know..but it's easier than taking it out of my wallet every time I ride...same is true when I'm in a cage..I have my motorcycle insurance card with me...wild huh?

Edited by chadams66 on Jul 6th 2019 at 02:15 PM
Jul 6th 2019, 03:20 PM   #28
 
  Jan 2016
  Lynnwood WA

  2007 Yamaha FZ6, 2008 Aprilia Tuono & 2009 Yamaha WR250R
My proof of insurance card lists all three bikes I have covered.
Jul 6th 2019, 04:23 PM   #29
 GPD323's Avatar
 
  Jan 2016
  Spanaway

I have individual cards for the 4 bikes and 3 cars/truck.
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Jul 6th 2019, 05:18 PM   #30
 VeritasImageryNW's Avatar
 
  Jan 2016
  Allyn, WA

  '06 HD Street Bob, '85 Yamaha FJ600, '99 Honda CBR600f4
Quote:
Originally Posted by chadams66
interesting my insurance card has all three bikes listed on it...I don't suppose if you have multiple cards you could carry them all? or at least make sure you have the right one on you? I still can't see any real problems here..but then I don't live in Washington any more...things are kind of tough up there it seems...
so if you're out there riding your bike and you get into an unfortunate accident and you don't have the right insurance card on you..who's fault is that? why would you do that? I don't really think that's a valid point...yeah you'd have to go to court to fix "your" error..but it would seem to be a very easy case to win...I would advise not doing that and avoiding any trouble...seems simple enough to me..but then I'm lucky and only have that one card..right? well two really..amazingly enough my car insurance card has both of my cages on it...funny thing..I carry my car insurance card when I'm riding my bike...kind of crazy I know..but it's easier than taking it out of my wallet every time I ride...same is true when I'm in a cage..I have my motorcycle insurance card with me...wild huh?
Must be an insurance provider thing. My car insurance issues a single card per car.

Normally not an issue with the cars because the insurance card is in the same envelope as the registration, in the glove box. With the bikes it all depends on if there is some "storage" provided. The Harley has no place to keep either the registration or the insurance card, so I have to keep both of those in my wallet at all times, so I can't just jump on the bike and forget them. The Honda has underseat storage so it's not a problem with that. But if you had multiple bikes with no place to store reg. and ins. card, it could be real easy to forget to grab them, or swap out what you're carrying.
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