After my run in with the deer I called my insu. company. The policy says I got $1000.00 on me for medical thats it, they said if I had a another pearson on and NOT my wife they would get a $1000.00 for medical.  CK. YOUR POLICYS NOW. I could get a rider for $50000.00 THATS ONLY GOOD IF I HIT A PEARSON WALKING.

Our Ins. didn't pay for our bikes either. We have full coverage on all bikes but since I hit my husband and we are on the same policy,we can't make a claim against ourselves. $1700.00 later, both bikes are back together.

Fuschia wrote on 10/27/10 at 12:24:02:


Check your state laws. My dad wrecked his bike all by himself. He has this enormous chocolate lab-200 pounds, this dog needs worms because she is so fat! Any way, he was bringing his bike out from the back yard on high idle. He has to work his way between the fence and 2 parked cars in the drive way. The dog came flying out of the house and jumped on the wood fence and knock it don on him. That caused him to let go of the bars (fully engage the clutch at 1800rpm) while in first. he bounced off the first car, hit the fence, bounced off the truck, out into the street. he panicked and grabbed a handful of front brake and dropped it in the gutter pan on the other side of the road. Got his left leg trapped under the still running bike! I live 2 doors down and saw him shoot across the street and pancake it. I went running over and tossed the bike off him. When I flipped the bike off of him, it hit the tank on the other side and dented it pretty good. Anyway, 2005 Bonneville America......$3561 to fix it. Insurance had no problems paying the claim against himself. They even gave him $350 more to fix the fence! Full coverage is full coverage, period. Always read the fine print and check your local laws for certain rights that you can not be denied, even IF the agency says 'we don't cover cover that since you caused....'

Charon wrote on 10/27/10 at 14:39:25:


Sorry I didn't make it clear. Our motorcycle Ins. wouldn't pay for anything. They told my husband sorry & to read the fine print. Since I hit him they wouldn't cover it because we would be making a claim against ourselves and that you can't do. (still unclear to me).   My husband's medical ins. covered my medical as well as the ambulance ride thank goodness

Ok here is what I have discovered with my accident.

Your policy should have a p.i.p. that stands for Personal Injury Protection.
Also if your like me, I have uninsured as well as underinsured. That may come in handy later on.
Dr's offices will ask for your p.i.p. as they don't bill 3rd parties. If someone else hits you as in my case, that is a 3rd party.
Our personal health insurance has paid all my medical so far. My attorney advised me that they can even ask for repayment if and when a settlement is reached with the other drivers insurance company.
Check your p.i.p. and place the coverage there as that should also pay for repairs or replacement of gear.
Each state as well as insurance company varies. If you have to go in,  and have a one on one discussion with your insurance agent  I would advise it before thinking your covered. kim

Because my relatively low initial investment in this bike (used) and not being worth a large sum of $$$ I chose liability insurance only (required by law too) but have increased levels of coverage. Unless you buy these bikes new or are using bank financing (loans) it's not worth having full coverage in my opinion.

No injury coverage at all for riders here in NJ. Passengers yes, but none for the rider. Need to use our personal health insurance if we get hurt. If no health insurance and big injuries....well......you're screwed.