Damn snow!
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Thread: Damn snow!

  1. #1
    Registered User Array Allison's Avatar
    Join Date
    Jul 2005
    2004 500 Kawasaki Ninja

    Damn snow!

    So a week and a half before the snow came, my insurance ran out. Being the poor bastard I am (and chronic stupid), I didn't have the money to renew it.

    Until it snowed a foot and a half in 48 hours.

    Sammy, my poor baby, is sitting out in my backyard (covered), but not properly winterized, and I haven't had time to winterize her because it was hell week last week with school and everything. *sigh*.

    And my insurance is absolutely through the roof... $2400 for the year?! With no accidents? Jesus christ.... If I somehow scrounge out that kinda cash I may continue on with my winter riding (I did it last year!), but at the moment I'm a bus wench! Which is fine, because people in this city are absolute morons in the snow in their stupid cars... bah!

    Did we ever have a hot chicks wrap-up party?!

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  3. #2
    Registered User Array Silent Scream's Avatar
    Join Date
    May 2005
    EX500 - SOLD
    Just a little secret... it's cheaper to take the loss of your bike in the event of a crash than it is to pay comprehensive every year. You're basically paying them money so they can give you a nice check for much less than your bike is worth, then increase your rates and have you pay them back all the money they gave you 10x over.

    So lets see...

    Option 1: You pay ICBC money towards your comprehensive/collision. You don't crash your bike. Ever. You've paid them extra money for nothing.

    Option 2: You pay ICBC money towards your comprehensive/collision. You do crash your bike. You've now paid them extra money, and then paid them a lot more money for the following 6 years because they've been inconvenienced by writing you a check.

    Option 3: You only pay for basic insurance. You now pay $1200/year. Half of what you're currently paying. If, down the road, you crash your bike, you still have extra money in your pocket from not paying comprehensive/collision and can afford to have your bike fixed or buy a new one.
    In the whole wide world, there's no magic place... so you might as well rise. Put on your bravest face.

  4. #3
    Registered User Array prophet's Avatar
    Join Date
    Sep 2006
    '07 GSX-R750
    Some pretty good advice there.

    Incidentally, there's a thread that goes into a discussion on whether or not to take collision here.

  5. #4
    Registered User Array slowzuki's Avatar
    Join Date
    Apr 2005
    In your bitch
    Your mama...(late model)
    Good posts...
    “……If a chick sits on your face and you can't hear the stereo anymore...she's too fat! --The Machinist.

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