[Phil]

asked HR about 2 hours ago and waiting to hear back …

[Phil]

In that case I appreciate your intention Thanks
(love your Ducati btw)

[Phil]

ok … im not sure what to make out of this or your last post

Its not criticism (I think) nor is it help, or answers to my confusion. So I suppose you are either making a joke (which I dont get, english as a second language that happens sometimes) or you are just one of those people that like to put a random stab into someone that you do not approve of.

[Phil]

someone explain what Heath coverage is … oh lol health? Ok now i am really confused.
Lets say .. god forbid… mister x runs over a banana and slips. He has a complicated fracture of .. lets say … his knee. His reconstructive surgery comes out to costing him 40,000.
X has 15k/30k bodily and a health plan from work.
sooooooo … I think, and I want to underline THINK because I really am not basing this on any knowledge, I think that 15k will be payed out by his motorcycle insurance and the other 25k he has to pay privately. I dont think that his health insurance kicks in because its an accident. (why else would people with health insurance have to have this coverage?)

[Phil]

dcJohn – Thanks for the reality check! You are 100% right ! Your reference to the car helped me understand! True I can mess with the gears in a turn if I am no where near the limit … but if i hit anything unexpected then I am done since now it is too late to engage the engine….

Rab – if you dont see the point of my post then I am sorry … Let me make it very clear: I state my case, views, and questions to get help from more experienced riders. I am an engineer and it is my nature to want to understand why things are as they are. I am looking for advice from people that will be patient with me and tell me WHY I shouldn’t do certain things and discuss them with me.

bob250 – I think you nailed it.

megaspaz – Hmmm .. what are you saying? I get an adrenalin rush going 160+ mph on the German speed limit free highway. I get a rush dodging trees and mougles on my snowboard on double black diamond runs. Cruising around safely does not really do the adrenalin for me and I think thats a good thing.

munch – I really like the lazyboy analogy, thank you for that.

What I take from all of your comments is that riding a motorcycle is not the #1 way to commit unintentional suicide (I should have remembered that more people get hurt horseback riding then motorcycling).
I need to start adding the common sense into situation once I am experienced enough to have the rider’s common sense. Till then, Beginner Phil will need to stick by the rules and learn a little bit more about them, one day at a time.

Thanks for everyone’s input

[Phil]

what has the price of my bike to do with bodily …. bodily is what they will pay for my injuries… right?
What they pay for the bike is anything above deductable…
So especially since I am on a vehicle with no protection (airbag etc …) I want my injury payments to be high god forbidd …

Please educate me if i am being a foreigner

[Phil]

Just requoted … and got this:

BODILY INJURY LIABILITY $50k/$100k
PROPERTY DAMAGE LIABILITY $15,000
RESIDUAL MEDICAL PAYMENTS $500
SUPPLEMENTARY UNINSURED MOTORIST $50k/$100k
COMPREHENSIVE $1,000 DED.
COLLISION $1,000 DED.
PED-PIP BASIC

Total Premium: $980

I asked why its sooo expensive and the best they could come up with is the ticket (adds 1 point) and inexperience (adds 2)
But even without 3 points she said that my premium would be only about $300 cheaper……. what the hell !!!!

[Phil]

Here my limits ….
this is on a shadow spirit 750 c2

I had one speeding ticket which raised the total by about $150, I am 25 and have my license for 1 month now, single …. uhm what else .. perfect credit… and I even get a 10% discount bec my car is insured with geico also!

BODILY INJURY LIABILITY $100,000/$300,000 $377.00
PROPERTY DAMAGE LIABILITY $25,000 $80.00
RESIDUAL MEDICAL PAYMENTS 2M $82.00
SUPPLEMENTARY UNINSURED MOTORIST $100,000/$300,000 $191.00
COMPREHENSIVE $1,000 DED. $154.00
COLLISION $1,000 DED. $318.00
PED-PIP BASIC $10.00

Total Premium: $1212.00

Dagger, how do yours compare ?

[Phil]

Eon …. exactly !!
I am not trying to get people to say that I am awesome at riding, quite the opposite … I am looking for guidance.
I feel quite cocky with only 500 miles and its scary…
Oh and isnt knowign yourself the sole reason for buying a smaller bike? shouldnt you base your vehicle purchase on what you know you can and should be handling? If I did not excercise constraint I would be sitting on a R1200K.

Elwood …. Thanks for the input

Please understand that I do push the limit on the bike but ONLY in very clear safe situations … like on-off ramp curves that are empty and that I literally drive every day and know etc…

Running into danger of repeating myself …
My problem is that I keep breaking rules that I learned in the course and on the forums one by one and notice they REALLY are not AS important as it is stated…. I feel that 70% of the riders course is for people that have never been on a bycicle or know how a manual transmission works.
Here are some examples:

-stay in gear and accellerate out of the turn – In the beginning i stuck to that but then i noticed that it really does not matter that much if youre even in a gear. (of course as long as you dont pull a stunt such as rev up and drop the clutch …)

-dont break while cornering it will straighten the bike and I will end up going straight instead of continuing my path – ok I mean dont lock up your wheels while cornering … duhh but breaking has not yet caused any of the above.

-buy a bike smaller then 500cc – i got the shadow 750 and if it had any less power i would not feel safe on the highway (NY has short on ramp acceleration lines) weight wise I can handle it too. (example from above … almost dropped it when reverse walking out of gravel driveway)

If I had money left over after starting this great experience of riding I would do an advanced rider course or stunt course (I know I am probably missing the experience for a pre-requisite) just to learn the limits better and REALLY know how to control any situation.

I suppose I am being like this because for the last 3 months before I actually started riding i memorized all the rules and tips … and now I notice that they are more like guidelines. Its just that everyone talks about them as if you will die the instant you dont stick to them.

[Phil]

I concider both of the above to be the same….
With “scare” I mean a situation that will force me to do some kind of emergency maneuver

[Phil]

hmmm …
Pay more attention ? Saying that I did not get freaked yet because I did not pay attention is a bit weird, I am not sure I udnerstand your case…. If I am not paying attention and a car pulls out in front of me I would freak the hell out! I think not paying attention being the reason for not having a scary moment does not work….
If I missunderstood, please clarify

-Here to learn!

[Phil]

300 for a ninja 250 !?!?!?!? I quoted that one and they offered me 2000+ !?!?!? wow whats wrong here?

[Phil]

so weird ….
I did shop around! Geico beat progressive and esurance.
My driving record has one speeding ticket on it, but since I got the insurance online I was able to see what difference that ticket made.
Initially i was quoted something like $1020, and once they checked my record they upped it by $160.

I mean if I am paying 1.5 times as much as most people, I understand (new rider and all) but 3.5x !!!!????

[Author]

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