Morons?? According to my insurance agent M.C.C.A. coverage on a motorcycle only covers you if you hit a car or a car hits you. Also the charges are more for a bike than for a car. So before you, Mr. O’Brien start worrying about your flippin’ pocketbook you may want to consider that it’ll take a CAR or TRUCK to make it possible for someone riding a motorcycle to get ANY sort of compensation thru M.C.C.A.
M.C.C.A. doesn’t cover dumping a bike, hitting a deer or other animal, going off the road and hitting a tree or telephone pole, NOTHING but having an accident with another vehicle so after the law passes the best thing you can do before you get into your vehicle is unbunch your panties and make sure that you are in the frame of mind to watch out for motorcycles. Otherwise it MAY cost you to cover the moron YOU hit!!
It should be left up to the individual if he or she wants to wear a helmet. I don’t like the local goverment telling me what I can and cannot do. As for the insurance companies they will find a way like they always do to get your money any how.
The answer is quite simple. Choice, what our nation was built on and simply put… democracy. A lot of “us” riders out there wear beanie style helmets which are smaller and definitely NOT DOT certified. Does that affect your statistics? Probably. Do your numbers affect my decision? Probably not. Insurance is going to do what they have to in order to gain money. Many michigan riders make a run for the border to feel freedom. Ripping off the helmet at the state line is glory in our own minds. We gladly ride one hundred miles for what we enjoy. We all fight for what we believe in, we only fight for a choice. LET THOSE WHO RIDE, DECIDE! If YOU dont, YOU HAVE NO BUSINESS EVEN GIVING YOUR OPINION!
Well Danno I don’t know what state you live in but here in Michigan we have what’s called “no fault” insurance. Basically what it means is that if you happen to be involved in an accident, even tho the other party is the cause of the accident your insurance covers your damages and the other driver’s insurance covers their’s. The only way you may be able to get ANYTHING from the other party’s insurance company is to get a police report that stated the other party is at fault and then you can only get up to $500.00!!
As for the MCCA which is the Michigan Catastophic Claims Association. It is, in my opinion, a rip off. The way I look at it the no fault insurance is a crock of crap also. We, the citizens in the boondocks of Michigan are paying for every dumbass driver that lives in more populated areas…can you say “Detoit”?
No fault was brought about because insurance premiums were getting out of hand for the poor bastards that had a lot of claims and were high risk so in all their wisdom “no fault” was brought into play. All it does is jack rates over the whole population so dick heads that don’t know how to drive can afford to anyway.
MCCA kicks in after $375,000 for injuries is spent by the insurance company. This ammount goes into effect July 1st of this year.
The way I look at it is…. Do away with no fault. Do away with the MCCA. If you live in a more risk prone area then you will be charged accordingly. If you have a piss poor driving record then you will be charged accordingly. If you have say only $100,000 injury coverage and you do have an accident and your medical bills go over that amount then you will be held responsible for anything over $100,000. It’s not all that difficult to figure out.
As for the helmet law. I think it should be up to the riders to decide if a helmet is to be wore by them. I myself have been riding for well over 3 decades and have rode both with and without a skid lid what about you Danny Boy?
Very good Rudy. Is that what you and you agent see when you look in the mirror every morning? Moron?? I don’t know about Mi. but, in the rest of America you just described what collision coverage is for along with medical, not some special fund ‘MCAA’ that pays back the Ins. co. for medical cov.
As for “looking out” for motorcycles, you should be doing this anyhow along with all other objects, including “morons” such as yourself.’just useing your choice of words’ Regardless, if you feel your ability to drive could become impared if they allow mororcycle riders to not wear helmets, maybe Mi. should make it mantitory for you to wear them. Just to protect your insecure, poorly trained self, or are we speaking of just allowing people LIKE YOU the freedom of choice. Have a fine day.
The ratio of biker fatalities to motorcycle accidents will prove whether helmets really make a difference. I’ve read that it’s around 3% regardless of whether there’s a helmet law, but this data only comes from amateur sources.
What’s really questionable is why the “experts” (safety bureaucrats and insurance companies) don’t use this number, instead relying on scare tactics and open-ended fatality data that can’t be proved.
I’d like to see some real numbers on this. I’d also like to see how much a difference rider training has on the fatality ratio. Why is such an undisputable measurement not available?
Rudy,
I won’t revert to Bucko but, yes I agree MCAA sucks and so does no fault.
As for my riding with or with out a piss pot on my head, no the majority of the last 42 years riding I have not worn one. Only when I’ve been out of the U.S., like in Mi.and yes I do have a place there but prefer not to go there when I am able to ride. So if you ever decide to take your training wheels off and your PISS POT-I may see you in the free country since there evidently is not enough political solitarity amoung bikers in Mi. or at least not enough to quit *****ing and start voting for their rights. Or maybe you as the new philosophical review agent on Mi. insurance and biker rights could quit whining and *****ing like a old lady and step up to the plate and start leading the way yourself. See ya RUB! Hope you know what that means 3 decade rider!
So Dan,you think I’m a RUB??? Well the 1st 2 out of 3 ain’t right but the last one is. I’m not a welfare rider either.As for riding out of the state of confusion…um er Michigan, I try to as much as I can because of the brain bucket law. Training wheels? Nope. Voting? Every time the poles are open. As for looking out for bikes. I agree that everyone needs to do so along with every other vehicle on the road, and pedestrians. Thinking my ability to drive will be impaired by other bikers not wearing helmets?? No. The remark was for all the cagers that can’t seem to notice a school bus let alone a scooter. As for the term “moron”, I was responding to the post by O’ Brien on March 18. He was whining about MCCA rates while I don’t believe he had all the facts about MCCA when it pertains to bikes. Also in the past posts I noticed your comparison of insurance rates between Wisconsin and Michigan. VERY informative. That leads to my reference to my insurance agent. I don’t believe he is a moron either. My rates for MCCA are considerably higher on my bike than my car so I asked him about it. Not that he can do anything about it but at least he took the time to explain the MCCA coverage. Which is pretty much non-existant on a bike.Again I say a total rip-off. So after reviewing past posts… (I take it you own a HD..and have been riding longer than I have)… I am going to offer up my apology to you as a fellow biker for any misunderstanding. Wheather you accept it or not is up to you. 883 Sportster. Not big but it gets me there. rudy
Ok Rudy or Mike arent you getting tired of the Insurance Compaines running the show??? To do or not to do this is what its all about. There rights what about are rights????
Out lawmakers in thier great and all knowing wisdom have decided that you can ride a motor cycle with out wearing helmet….but God forbid you drive your car with out wearing your seat belt..
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Morons?? According to my insurance agent M.C.C.A. coverage on a motorcycle only covers you if you hit a car or a car hits you. Also the charges are more for a bike than for a car. So before you, Mr. O’Brien start worrying about your flippin’ pocketbook you may want to consider that it’ll take a CAR or TRUCK to make it possible for someone riding a motorcycle to get ANY sort of compensation thru M.C.C.A.
M.C.C.A. doesn’t cover dumping a bike, hitting a deer or other animal, going off the road and hitting a tree or telephone pole, NOTHING but having an accident with another vehicle so after the law passes the best thing you can do before you get into your vehicle is unbunch your panties and make sure that you are in the frame of mind to watch out for motorcycles. Otherwise it MAY cost you to cover the moron YOU hit!!
It should be left up to the individual if he or she wants to wear a helmet. I don’t like the local goverment telling me what I can and cannot do. As for the insurance companies they will find a way like they always do to get your money any how.
The answer is quite simple. Choice, what our nation was built on and simply put… democracy. A lot of “us” riders out there wear beanie style helmets which are smaller and definitely NOT DOT certified. Does that affect your statistics? Probably. Do your numbers affect my decision? Probably not. Insurance is going to do what they have to in order to gain money. Many michigan riders make a run for the border to feel freedom. Ripping off the helmet at the state line is glory in our own minds. We gladly ride one hundred miles for what we enjoy. We all fight for what we believe in, we only fight for a choice. LET THOSE WHO RIDE, DECIDE! If YOU dont, YOU HAVE NO BUSINESS EVEN GIVING YOUR OPINION!
Well Danno I don’t know what state you live in but here in Michigan we have what’s called “no fault” insurance. Basically what it means is that if you happen to be involved in an accident, even tho the other party is the cause of the accident your insurance covers your damages and the other driver’s insurance covers their’s. The only way you may be able to get ANYTHING from the other party’s insurance company is to get a police report that stated the other party is at fault and then you can only get up to $500.00!!
As for the MCCA which is the Michigan Catastophic Claims Association. It is, in my opinion, a rip off. The way I look at it the no fault insurance is a crock of crap also. We, the citizens in the boondocks of Michigan are paying for every dumbass driver that lives in more populated areas…can you say “Detoit”?
No fault was brought about because insurance premiums were getting out of hand for the poor bastards that had a lot of claims and were high risk so in all their wisdom “no fault” was brought into play. All it does is jack rates over the whole population so dick heads that don’t know how to drive can afford to anyway.
MCCA kicks in after $375,000 for injuries is spent by the insurance company. This ammount goes into effect July 1st of this year.
The way I look at it is…. Do away with no fault. Do away with the MCCA. If you live in a more risk prone area then you will be charged accordingly. If you have a piss poor driving record then you will be charged accordingly. If you have say only $100,000 injury coverage and you do have an accident and your medical bills go over that amount then you will be held responsible for anything over $100,000. It’s not all that difficult to figure out.
As for the helmet law. I think it should be up to the riders to decide if a helmet is to be wore by them. I myself have been riding for well over 3 decades and have rode both with and without a skid lid what about you Danny Boy?
Very good Rudy. Is that what you and you agent see when you look in the mirror every morning? Moron?? I don’t know about Mi. but, in the rest of America you just described what collision coverage is for along with medical, not some special fund ‘MCAA’ that pays back the Ins. co. for medical cov.
As for “looking out” for motorcycles, you should be doing this anyhow along with all other objects, including “morons” such as yourself.’just useing your choice of words’ Regardless, if you feel your ability to drive could become impared if they allow mororcycle riders to not wear helmets, maybe Mi. should make it mantitory for you to wear them. Just to protect your insecure, poorly trained self, or are we speaking of just allowing people LIKE YOU the freedom of choice. Have a fine day.
The ratio of biker fatalities to motorcycle accidents will prove whether helmets really make a difference. I’ve read that it’s around 3% regardless of whether there’s a helmet law, but this data only comes from amateur sources.
What’s really questionable is why the “experts” (safety bureaucrats and insurance companies) don’t use this number, instead relying on scare tactics and open-ended fatality data that can’t be proved.
I’d like to see some real numbers on this. I’d also like to see how much a difference rider training has on the fatality ratio. Why is such an undisputable measurement not available?
Rudy,
I won’t revert to Bucko but, yes I agree MCAA sucks and so does no fault.
As for my riding with or with out a piss pot on my head, no the majority of the last 42 years riding I have not worn one. Only when I’ve been out of the U.S., like in Mi.and yes I do have a place there but prefer not to go there when I am able to ride. So if you ever decide to take your training wheels off and your PISS POT-I may see you in the free country since there evidently is not enough political solitarity amoung bikers in Mi. or at least not enough to quit *****ing and start voting for their rights. Or maybe you as the new philosophical review agent on Mi. insurance and biker rights could quit whining and *****ing like a old lady and step up to the plate and start leading the way yourself. See ya RUB! Hope you know what that means 3 decade rider!
So Dan,you think I’m a RUB??? Well the 1st 2 out of 3 ain’t right but the last one is. I’m not a welfare rider either.As for riding out of the state of confusion…um er Michigan, I try to as much as I can because of the brain bucket law. Training wheels? Nope. Voting? Every time the poles are open. As for looking out for bikes. I agree that everyone needs to do so along with every other vehicle on the road, and pedestrians. Thinking my ability to drive will be impaired by other bikers not wearing helmets?? No. The remark was for all the cagers that can’t seem to notice a school bus let alone a scooter. As for the term “moron”, I was responding to the post by O’ Brien on March 18. He was whining about MCCA rates while I don’t believe he had all the facts about MCCA when it pertains to bikes. Also in the past posts I noticed your comparison of insurance rates between Wisconsin and Michigan. VERY informative. That leads to my reference to my insurance agent. I don’t believe he is a moron either. My rates for MCCA are considerably higher on my bike than my car so I asked him about it. Not that he can do anything about it but at least he took the time to explain the MCCA coverage. Which is pretty much non-existant on a bike.Again I say a total rip-off. So after reviewing past posts… (I take it you own a HD..and have been riding longer than I have)… I am going to offer up my apology to you as a fellow biker for any misunderstanding. Wheather you accept it or not is up to you. 883 Sportster. Not big but it gets me there. rudy
Ok Rudy or Mike arent you getting tired of the Insurance Compaines running the show??? To do or not to do this is what its all about. There rights what about are rights????
Out lawmakers in thier great and all knowing wisdom have decided that you can ride a motor cycle with out wearing helmet….but God forbid you drive your car with out wearing your seat belt..