[Ducati] Uh oh- WSJ Article, insurance

Wed Sep 19 23:47:09 EDT 2007

Well since you are in Albuquerque now (damn, still stuck here in the tropics
of Texas), you are in the place where some years ago, my Farmer's insurance
agent needed pictures of a bike one of the kids got. Initially, the
insurance was turned down because the bike to be insured was a sportbike,
with a fairing (that drew the flag). Oh, the bike?  a Hund@ NS 50 (wopping
50cc with top speed of 45 mph or so) The agent got it overturned and reason
prevailed.

Peter

----- Original Message ----- 
From: "Scott Cloninger" <scloninger at ceienterprises.com>
To: "Ducati Owners Group" <ducati at ducati.net>
Sent: Wednesday, September 19, 2007 9:13 AM
Subject: RE: [Ducati] Uh oh- WSJ Article

> Yeah, and the part that kills me is that our politicians get hold of
> this crap and use it as a basis for legislation, ignoring more
> scientific studies because they don't present the results the
> politicians want to hear.  All you have to do is remember the last IIHS
> study, 20 years ago, that was nearly the basis for legislation that
> would have limited our privileges severely until the AMA presented more
> rational and accurate studies for the consideration of the bill's
> sponsors.
>
> Why, fer Pete's sake, would anyone take the word of an insurance group
> regarding sportbike legislations?  Isn't that like taking the wolf's
> word about chicken house construction methods?  "Yes sir.  The doggie
> door goes right over there!!"
>
> Beyond the obvious biases pointed out by Stephen, below, you can look at
> the IIHS definition of a "sport motorcycle" and tell the study is
> biased.  These are the idiots that claim an FJ and an ST (obvious sport
> tourers) are in the same class as a HayBus (OK....a Hayabusa) and the
> new ZX1400 (obviously NOT intended as sport tourers).  They also had
> great difficulty classifying "naked sport motorcycles" for whatever
> reason.
>
> It is my theory that the insurance companies would do nearly anything to
> get rid of fully faired motorcycles since they generally come with high
> cost per repair statistics and high medical care per incident costs.
>
> Maybe it would be more fair if the insurance companies would introduce a
> policy set for those of us who do wear proper protective gear and have a
> bit of riding experience.  Maybe the law doesn't say "you have to wear a
> helmet" in all states...but the insurance companies could certainly
> include a clause in their med-pay and life policies that states they
> won't pay if you don't wear proper protective gear whilst riding a
> motorcycle! (such gear to be defined within the language of the policy
> and to include boots, gloves, and a DOT approved helmet at a minimum)
> That puts the onus on the rider to take care of himself and wear proper
> gear, or foot the financial bill for the consequences should he exercise
> his "choice" not to wear it.  It's easy to "choose freedom" when you and
> your family don't have to bear the financial consequences of your
> ill-considered actions, but it's a whole other ball of wax when your
> "choice" might ruin your life and the lives of your entire family.
> There ought to be consequences for negligent behavior, and personal
> responsibility for ones actions, though taboo in the modern legal
> environment, must be reestablished if our society is to progress any
> further.
>
> How's that for my 2 cents?
>
> Scott Cloninger
> Albuquerque, NM
>
>
> -----Original Message-----
> From: S & L Warburton [mailto:seven at reach.net]
> Sent: Tuesday, September 18, 2007 7:20 PM
> To: Ducati Owners Group
> Subject: Re: [Ducati] Uh oh- WSJ Article
>
> > Quite a bit of noise lately about this...
>
> I'll say. Our Canadian media gobbled up that IIHS (Incredibly Inaccurate
> Heap of She-it) report like it was prime rib at hamburger
> prices.
>
> What a total crock! A US study that is so skewed and full of errors or
> out right lies yet our Canadian media reports it as being the
> gospel. Totalling ignoring the fact that those statistics include states
> that have no helmets laws. States that have higher speed
> limits. And states that do not have any form of graduated licensing.
>
> I especially like this bit:
>
> The bikes are built on racing platforms and then modified for the
> highway before being sold to consumers.
>
> Oh Pahleese... this twit is so gullible that she probably is going after
> Honda Civics believing that they are really F1 cars in
> disguise.
> Oh ya... they are already going after the imports and threatening to
> crush 'em!
>
> We're all screwed!
>
> the Dreamer
> (a.k.a. Ducati Dreamin' Stephen)
> Living life on the edge. Less crowded, better view.
> '98 900 SS FE (biposto), silFEr
> DOCC #19
> DOCC Executive member in charge of vice
> Club web site: http://www.docc.ca
> My web sites: http://www2.reach.net/seven/
> mailto:seven at reach.net
>
>
>
> </pre>
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