Uninsured Motorist Coverage Question

[dustman27]

Hello, I currently have uninsured and under insured motorist coverage on my two cars through 1 insurance company.

I am planning on buying a motorcycle, and the best rate is through another insurance agency. Does the uninsured/under insured coverage on my first plan protect me when I am riding my motorcycle? Do I need to buy the same coverage for the new motorcycle policy or would it be redundant?

 

[carolina girl]

Hello, I currently have uninsured and under insured motorist coverage on my two cars through 1 insurance company.

I am planning on buying a motorcycle, and the best rate is through another insurance agency. Does the uninsured/under insured coverage on my first plan protect me when I am riding my motorcycle? Do I need to buy the same coverage for the new motorcycle policy or would it be redundant?

No it will not protect you on another auto.

 

[dustman27]

could it maybe be a state by state law? I have a insurance agent ad he told me it would cover me but I just felt weird about it and wanted to get a second opinion. I live in Arizona.

 

[Sales71]

could it maybe be a state by state law? I have a insurance agent ad he told me it would cover me but I just felt weird about it and wanted to get a second opinion. I live in Arizona.

Most likely the auto insurance will not cover your motorcycle.

 

[FullAuto]

I believe it does vary state by state. I just received a UM settlement last month from my coverage on a wreck where I wasn't driving my car. In my state, it applies to all the cars in your household, cars you are a passenger in, cars you are driving but don't own, being hit as a pedestrian, etc. It also stacks. In my wreck, I received UM from the policy on the car I was driving and UM from my own policy. I have most of my household cars insured through the same company, but also own a couple of classic cars insured elsewhere. If I were to be hit in one of the other cars, the UM from my primary car would apply.

 

[AZDave]

could it maybe be a state by state law? I have a insurance agent ad he told me it would cover me but I just felt weird about it and wanted to get a second opinion. I live in Arizona.

I have heard about Allstate Agents telling their insured's this. If you do waive the coverage, make sure you have it in writing from your agent that your auto coverage is portable and will pay in the event of a mcyc um/uim loss.

I have seen many cases where um/uim has transfered to a mcyc in the household from the auto. Most recent: Insured driving mcyc, killed by underinsured driver. At fault party had $100,000; my insured had $100,000 UIM; my insured had $100,000 uim on auto in the household, insured by different company. All three policies paid limits.

There appears to be case law established here in AZ. Claims managers don't like to give specifics...But, I never allow my insured's to not carry the coverage and insist that it all equals in the household. Why risk it?

 

[USF3983]

It doesn't in Florida and I'd be doubtful if it did anywhere else. If a company follows the standard ISO form, then it won't. It'd be stupid to anyway. Anyone who doesn't own a motorcycle and wants affordable UM coverage would be lived to learn their company is offering UM coverage that transfers from auto to motorcycle since motorcycle injuries will likely be severe.

You have to weigh your options. I'm sure you're asking the question because you've figured out that UM coverage is outrageously priced, and rightly so. In Florida, it's pretty bad. Maybe not in your state. Health insurance should cover most of what you're expecting to be covered for unless you don't have any or if your healthcare plan doesn't cover that type of exposure. I'm not licensed in your state so the laws might be different, but UM would also cover lost wages and pain and suffering.

 

[FullAuto]

. I'm sure you're asking the question because you've figured out that UM coverage is outrageously priced, and rightly so.

So what is "outrageously" priced? I pay $176 every 6 months, so that breaks down to ~$30/month. I guess that's a little high, but I don't consider it outrageous. That's also for 500/500 in UM. It would be a decent amount cheaper to carry a more normal amount like 100/300.

 

[TeePee]

My life is not worth cheap coverage to save a couple bucks a month.

 

[USF3983]

My life is not worth riding a motorcycle when some *** in a car sideswipes me. UM coverage may be cheap on a auto, are you talking about $30 per month on the motorcycle policy? It's not very cheap here in Florida.