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Insurance questions...

This is a discussion on Insurance questions... within the Motorcycle Insurance forums, part of the General category; I know that these are very difficult to answer without a full licence history etc. But a buddy is looking ...


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Old 01-26-2006   #1
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Join Date: Dec 2008
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Default Insurance questions...

I know that these are very difficult to answer without a full licence history etc. But a buddy is looking at getting a new vehicle, isn't hugely Internet savvy and not sure where to turn for advice.

He recently had an accident and has some questions:


1) If they determine shared fault but one of the drivers is unlicensed and uninsured, could a degree of fault still be determined against the other driver? ie - does the fact that the other driver is unlicensed and uninsured put him in the clear?

2) How much would the insurance go up for an over 25 driver with a clean record if he had one at-fault accident? Is a 300% jump realistic?

3) Do the rates get gradually reduced over the 6 year period until it goes off the record?

4) If the driver is adding a vehicle to another policy, would they usually be looking into his record? Would they typically run a check on his licence again before adding the vehicle?

For #4, the other policy is with a separate company
katyk08 is offline   Reply With Quote
Old 01-27-2006   #2
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Default Insurance questions...

I know that these are very difficult to answer without a full licence history etc. But a buddy is looking at getting a new vehicle, isn't hugely Internet savvy and not sure where to turn for advice.

He recently had an accident and has some questions:


1) If they determine shared fault but one of the drivers is unlicensed and uninsured, could a degree of fault still be determined against the other driver? ie - does the fact that the other driver is unlicensed and uninsured put him in the clear?

2) How much would the insurance go up for an over 25 driver with a clean record if he had one at-fault accident? Is a 300% jump realistic?

3) Do the rates get gradually reduced over the 6 year period until it goes off the record?

4) If the driver is adding a vehicle to another policy, would they usually be looking into his record? Would they typically run a check on his licence again before adding the vehicle?

For #4, the other policy is with a separate company


1) Yes, fault is determined without regard to whether the other guy has insurance.
2) 300% sounds high. Shop around
3) It could, depends on what kidn of rating tiers an insurer has.
4) Probably
Ed C is offline   Reply With Quote
Old 01-27-2006   #3
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Default Insurance questions...

1) Yes, fault is determined without regard to whether the other guy has insurance.
2) 300% sounds high. Shop around
3) It could, depends on what kidn of rating tiers an insurer has.
4) Probably

2.) 300% seems VERY high for a first at-fault. More realistic would be the 30% - 50% range, but this would completely depend on the company, the rating algorithm, and the person being insured.

3.) If the company uses "Driving Record", which is pretty much industry standard, then the rates should get better for each year that you are accident free. Usually the driving record can go as high as 6, meaning 6 years accident free. If you make a claim and you don't have accident forgiveness, then you drop to a driving record 0. Given that you do not have any additional claims, next year you will be a Driving Record 1, the year after that a Driving Record 2, and so on . . .

4.) Most likely. If you are opening a new policy with the other insurer (i.e. you are not currently insured with them), then they will check your MVR for sure.

Cheers!
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Old 07-27-2012   #4
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there are lot of insurance company we can find them independently on the internet, you can get many information to websites, read their reviews and select any affordable insurance plan.
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