Motorcycle Insurance Companies Question?

Question

My father has his bike insured with a certain company. Another company has cheaper insurance for me on that bike than his does. Is it possible for me to buy my own policy from a separate company without affecting his coverage?

Answer 1

Probably not. But what are the limits of his insurance compared to your quote? I'll bet your quote is for the minimum your state will allow. After you hit that amount, it's coming out of your (or daddy's) pocket.

Trust us old bikers, we have learned from experience what things should be.

I learned when a friend hit another biker and all he had was state minimum ($10.000.00) The helicopter ride the other rider took was $7500.00. Then surgeries, hospital stay, loss of income, pain and suffering, permanent disability (partial),  months of rehab, replacing his bike ($30,000) And that was just the other guy. He got his leg broken in 3 places, broken ribs, internal injuries requiring surgery, and a bunch of stitches. He lost his house! Now they garnish his pay every week to pay against what he owes the insurance companies and this man. He gets about half his pay, and will probably loose half his retirement (social security) and still not pay off what he owes before he dies.