01-10-2023, 10:38 PM
Hey Gone: Maybe if and when the smell returns, get the insurance company to produce a copy of the reference to the [California] law that they are following. They should be able to do that. If they cannot, well, that is another issue of competence.
In terms of other riders in the home [with and] without a license to ride: I have had that argument with an insurance company before and could not win. They claim other non-riders in the home still have access to the keys and the vehicle even if they do not ride. Hence, the extra liability on each motorcycle, even though I am the only legal rider in the home and can only ride one vehicle at a time. I argued, bill me the comprehensive and maybe the collision coverage for each vehicle, but one liability for all two-wheeled vehicles. Sounds logical? They wouldn't have it, and I am unsure if it is even a provincial thing or just an industry practice thing up here. The usual follow-up response was along the lines of we understand your reasoning and it is sensible, but we cannot.
The bottom line is the insurance company cannot be assured that no one else would ride my other bikes while I am out on the road with another (or not). Certainly in theft that would be true. But heck, why would we wish to cover liability of a thief? A wee bit twisted for better or for worse.
In terms of other riders in the home [with and] without a license to ride: I have had that argument with an insurance company before and could not win. They claim other non-riders in the home still have access to the keys and the vehicle even if they do not ride. Hence, the extra liability on each motorcycle, even though I am the only legal rider in the home and can only ride one vehicle at a time. I argued, bill me the comprehensive and maybe the collision coverage for each vehicle, but one liability for all two-wheeled vehicles. Sounds logical? They wouldn't have it, and I am unsure if it is even a provincial thing or just an industry practice thing up here. The usual follow-up response was along the lines of we understand your reasoning and it is sensible, but we cannot.
The bottom line is the insurance company cannot be assured that no one else would ride my other bikes while I am out on the road with another (or not). Certainly in theft that would be true. But heck, why would we wish to cover liability of a thief? A wee bit twisted for better or for worse.