That's not the hypothetical that was offered.

"... just say u bought that way.." was the tabled suggestion.

Picture the scene...

The Old Bailey - No.1 Court - His Lordship Judge Grimley-Waldorf presiding over the case 'Insurer vs bassman'...

<bassman addresses The Judge>  "If it pleases my Lord and the court, I have dispensed with my defending council and will be representing myself.  I will, if I may, be taking collective advisement from the members of the GS500 message forum via this laptop connected to the world wide web" <basman shows the laptop to the Judge, Jury and the bemused faces of the press and members of the public squeezed into the court>.

<The two lawyers representing the insurer put their heads together and laugh quietly> "We've got this sucker nailed..." 

bassman 

Quote from: bassman on April 01, 2009, 11:42:50 AM
Picture the scene...

The Old Bailey - No.1 Court - His Lordship Judge Grimley-Waldorf presiding over the case 'Insurer vs bassman'...

<bassman addresses The Judge>  "If it pleases my Lord and the court, I have dispensed with my defending council and will be representing myself.  I will, if I may, be taking collective advisement from the members of the GS500 message forum via this laptop connected to the world wide web" <basman shows the laptop to the Judge, Jury and the bemused faces of the press and members of the public squeezed into the court>.

<The two lawyers representing the insurer put their heads together and laugh quietly> "We've got this sucker nailed..." 

bassman 

The bailiff then takes all the bullets but one out of his gun.  "Kill yourself slow," he says, gesturing to the jury, "or kill yourself quick," he says, offering the butt of the gun to you... "Mr. 'I didn't know that the bike I bought because it was modified was modified."

Don't tell the insurance company too much information, only what they ask for.....don't tell them you have made mods...I don't understand why would tell you insurer that you upgraded to progressive spring forks.....

Thats crappy, My insurance covers my entire bike and up to $1000 in custom parts.

mine covers up too 3000 in custom stuff i just have to have recipts for the things that were done.

Well, I always say to the best of my knowledge. Why because there was several things done to my bike that I actually thought was stock for almost a year and I bought it from a dealer. Like my back brake pedal whatever you call it was bent. In all honestly I thought it was made that way and for me has been really comfy because of my ankle that I hurt last year. I didn't even realize it was not supposed to be that way until I set it next to a brand new '08 model. I also didn't realize until I came on here that it was supposed to have this long hideous fender. Or that the bar ends were long and black mine were carbon fiber but I saw a couple on the lot that have the same thing so I really don't know if they are or not stock?

All I know is really what I did and what I found from process of elimination and the ad from the dealer said stock gs500F. But, in my contract all it says that I have to report is change of address and things related to that. They never even looked at my bike or asked to. I do have $3000 in after market accesories insurance but it said nothing about me producing recipts either in said contract.

So, honestly the insurance company will probably do whatever they want because the contracts vary so much that a lay person is confused anyhow! Kinda like the state farm commercial where the lady said that only a specific tree was covered when the guy's car was hit by a falling limb. Like me right now and my ankle incident progressive says it wasnt a mva since I wasn't moving and medicare says it was since it involved a moto. Where does that land me? Paying the bill sigh!

All I know is if my bike gets hit by a missle Progressive better damn well cover it cause they said so in the contract!

Mary

mary

Quote from: Toogoofy317 on April 01, 2009, 06:53:36 PM

All I know is if my bike gets hit by a missle Progressive better damn well cover it cause they said so in the contract!

A missile is just a projected object.  We had a nationally reported case here in VA a few years ago where a woman was convicted of throwing a missile at a moving car - it was a 32 oz mcdonald's coke, in stop and go traffic.  She is now a convicted felon...
http://www.washingtonpost.com/wp-dyn/content/article/2007/02/17/AR2007021701560.html

lawman.. lol .   live your life the way you like too and leave it at that ...  you can spout at us all the rulebook insurance crap you got from your job...   insurance company will find any way to screw me...  i will find my own way to get what the bike is worth to me.  then we end up in the middle.. everyone is happy.

rule of thumb.... only answer the question ask. no more no less.  and more likely no matter what.. with motorcycles you end up on the loser end anyway whether you play by the rule or not.

i pay 1k here for a year in washington state.. a guy with somewhat the same bike pays  and same coverage pays $137 in TN.   hmm...wonder if the insurance company was trying to be fair.

You preach make sure you tell insurance people everything because if you do..they will take care of you... laughable. must be nice in that bubble.

Quote from: Bluehaze on April 01, 2009, 09:58:47 PM
You preach make sure you tell insurance people everything because if you do..they will take care of you... laughable. must be nice in that bubble.

No, I preach tell insurance people everything because if you don't you're paying them for nothing, because they will deny your claims.  The one time you need insurance, because you hit something, or broke something, they will tell you to get bent, and you will get nothing.  If that happens to be when you've mangled your leg and can't work, that will suck.

OH OH Wait I did mangle my ankle and they didn't do a darn thing thank you very much. If I would have told a little white lie and said I was moving I may have not been out a few grand. They are going to ream you either way you go. I don't have to have it but I do because I don't want someone else hitting me without insurance who is supposed to have it and leaving me with the bag! so, in essence I have insurance because other's don't obey the law.

The missle inference was in the section about civil war either being declared or not. So, I was kinda thinking they could have meant a real missle too!I was just trying to lighten the mood but apparently that isn't in my insurance contract so I won't anymore. But, you know everybody's coverage anhow is it in there?

Everyone - forget opinions - get real.  If you buy insurance and then do a mod and you don't tell your insurance that you've done the mod and then you have an accident and then subsequently learn that the mod invalidated your insurance and the insurer is not going to pay out then...then...tough titty!  Don't say I didn't warn you!.

I got home from work today, the sun was shining - we're on British Sunmer time now in the UK so the evenings are lighter for longer now - and I could not stand the squishy front forks a moment longer!  So after much brain scrunching consideration I can up with the magic solution that 75 mililitres (7.5 cc) of 10W fork oil was required to be added to each fork to cure my squishy woes.  So, did the dirty, buttoned everything up, when for a ride, and couldn't believe the improvement!  As firm as a firm thing in an infirmary!  Much better!

So, I'm happy now until I change my insurer in June.  Then I'm gonna pull the forks, get that 10W out, put some the 15W in, re-install the progressives and then Bob's your Aunty - I'll be a happy GS'er once again.  If only I still smoked then I'd be on cloud nine...

bassman

Better go tell you insurance!

I just go buy what my contract says. Everyone is different.

Mary

Quote from: Toogoofy317 on April 02, 2009, 08:09:45 PM
OH OH Wait I did mangle my ankle and they didn't do a darn thing thank you very much. If I would have told a little white lie and said I was moving I may have not been out a few grand. They are going to ream you either way you go. I don't have to have it but I do because I don't want someone else hitting me without insurance who is supposed to have it and leaving me with the bag! so, in essence I have insurance because other's don't obey the law.

Have you talked to an attorney about that?  What does your policy say exactly?  If you get rear-ended at a light, you're covered right?  Why would moving matter?  I think you may have gotten jobbed, but you only have a certain amount of time to make a claim, so I would check ASAP.

We have reached the point in our society where the powerful and connected can do anything they want, and things like contracts, property rights, individual rights, states' rights, and constitutional principles in general no longer apply.  Our legal system is in a flat spin, so arguing about insurance details is like swapping seats on the Hindenburg.

The only thing for sure in all this is those in charge will steal from you what they require by any means necessary so they can give it to themselves and those who don't want to work or play by the rules.  They favor criminals and the stupid and lazy over everyday working folks for some reason.

Voting against socialism would help.

One of my favorite sayings applies to this:  "Cream rises to the top, but so does scum."

AIG, the largest insurance company on Earth, along with their partners in crime in our wonderful and honest government, just soaked us and our kids to the tune of $187 BILLION.  The guilty parties at AIG have left the company, and the shiite storm is falling on the innocent who remain, just as the government planned.  As far as I'm concerned they don't have the legal or moral authority to tell me ANYTHING.

Since my calculator doesn't crunch numbers that big, I would have to do it on paper, but it's safe to say we have been robbed of several years worth of insurance for every motorist in the nation.

Attention class! <bassman taps pointer on blackboard?>  Today's project is to do a Google search on 'Motorcycle Insurance and Modifications' and see what you can find.  Here's an example in the context of UK insurance...

'...Motorcycle insurance and modifications
xxxx, xxxxxxxx, 2006

A large proportion of bikers are not informing their motorbike insurance company about modifications they have made to their machine. Many of them fear that reporting modifications will increase their motorbike insurance premium. Others are simply unaware that they need to inform their insurer in the first place.

According to a review by (name of insurer), the motorcycle insurance provider, the majority of common motorbike modifications make little or no difference to the insurance premium. On the other hand, bikers could be invalidating their motorcycle insurance policies by not giving their insurer the full facts. This could result in the insurance provider refusing to pay out when it comes to making a claim - particularly if the modification has had an impact on the incident relating to the claim.

Some of the common modifications which (name of insurer) saw as having little impact on motorbike insurance premiums include crash mushrooms, crash bars, huggers, up-rated brakes, after market exhausts (road legal of course), dynojet kits and an increase in engine capacity up to five per cent.

In the same review, (name of insurer) suggested that an increase to the motorbike's engine capacity of more than five per cent, custom built motorcycles and nitrous oxide injection systems were all likely to have a significant impact on your motorbike insurance premium.

(Name of an Individual), managing director of (name of insurer) said: "One of the most important principles underlying any kind of insurance is that all relevant information must be passed on to the insurance company. That's the only way an insurer can understand precisely what risks they're covering and calculate a fair price."

bassman (I hope I don't sound arrogant with all this crap - it's just a bit of fun !...

Nah, ya don't sound arrogant. But, I've read through my contract in great detail now thanks to this thread. But, all it tells me that I have to report is this. Change of address, addition or subtraction of drivers, change of where the bike is garage kept, and if it has been in an accident.

Now, this is Florida and Progressive. As a matter-of-fact they have never even seen the bike! I also have included with my plan $3,000 in after-market coverage. So, each policy is different. I just think comparing the american insurance with the UK insurance is comparing apples to oranges. You guys have much stricter insurance codes it appears. 

Mary