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On Sun, 03 Apr 2005 21:39:33 -0700, the inscrutable
spake:
On Sun, 03 Apr 2005 19:25:52 -0700, Larry Jaques
wrote:
On Sun, 03 Apr 2005 11:56:45 -0700, the inscrutable
spake:
I would only sell car insurance to motorbike riders. :^)
Short term insurance at highest rates, eh? 
What brings you to that conclusion?
Logic?
Flawed logic my friend, but understandably so. I'll get to that point
inna minute.
Gotcha.
I believe that motorcyclists have a higher death rate
than auto drivers + higher risk = higher rates.
Jim was talking about providing *automobile* insurance coverage to
people who also ride motorcycles. Motorcycle riders are generally
*much* better automobile drivers than those who never have ridden.
Truckers as well. Folks who need to worry about killing, or being
killed, tend to pay attention more than th' oblivious soccer momma's.
Agreed. I learned how to CMA on a scoot early on (age 15-1/2) because
I could ride one before I got my driver's license. I was a real mean
ass on my Kawasaki street 90, lemme tell ya. 
Actuarially, that fact is totally overlooked by insurance
underwriters, hence Jim's million dollah idea.
Hmmm, could be.
Now, back to your flawed logic. Statistics suck, so I won't go there.
However, I'd like to ask you another question... what's th' major
contributing factor to this "higher death rate" for motorcyclists that
you speak of?
Unfortunately, the most common phrase given to Insurance companies and
the cops at the scene of the accident is "I didn't see the
motorcycle." with or without the "until it was too late." sigh
The only time I dumped my bike was when some blue-haired old lady
in a Cadidliac pulled out in front of me. I thank Buddha I was wearing
a coat and helmet and was only going 35mph. I had a raspberry the size
of an orange on my right elbow/forearm and my head hit her rear door
so hard it broke the window. I walked away from it and still wear a
helmet EVERY time I climb on a bike, though that has become rare.
Then again, bikers (both dirt and street) are wild and crazy guys,
too. That has to be 2nd.
--
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