GEICO rally exclusion

[jschmidt]

The MSF does an absolutely horrific job of promoting itself. That being said, when you do find a course within a bajillion miles of you, good luck finding a space! Given how full the classes are, I can't figure out why there aren't more available. Are they short of instructors or something?

As a business, there's simply no money in it, at least compared to other business opportunities.

I find no shortage of commitment. At all. But as an instructor, the working conditions are pretty bad, particularly standing all day on a parking lot in August. In Maryland, a small percentage of instructors last longer than three years.

Lastly, one of the biggest problems is finding a suitable range; there is simply not enough profit to build one. This may be the single biggest limiting factor.

[Slonishku]

Given how full the classes are, one might thing that charging an extra $20 or 30 per student would be very acceptable, that going rather directly to the instructors.

[jschmidt]

Given how full the classes are, one might thing that charging an extra $20 or 30 per student would be very acceptable, that going rather directly to the instructors.

Pay is not the issue for instructors. The issue is weekend work combined with very, very uncomfortable weather conditions and miles of walking. The physical requirements of teaching are the primary reason people give it up. In near 100 degree weather, the surface temp of a blacktop lot might be 20-30 degrees hotter.

If you do contact the MSF, you'll find that their actual influence on teaching is limited to the few states in which they operate programs. They are the developer of a curriculum, not the owner or franchiser of training centers.

And as I said, the most onerous issue for new programs is finding a suitable range. If you want to do something politically useful, could I suggest that you lobby NHTSA to begin making grants for range construction. With this kind of support, I could double the size of my program (to 2400 students) within a year.

[county]

Good info on the IB exclusions, I didn't know that.  I guess I'll ask to be decertified


I pay about $700 per year on my Blackbird and F650CS ($500+ for the XX and the rest for the CS) for full coverage.  I shopped it and Geico was the best I could find.  Progressive wanted $2000 for the XX.  My understanding from talking to the Progeressive agent was that my location (zip code) might have had something to do with the rates...a lotta squids live in my neighborhood I guess.

[mehaffydr]

My question would be: If you were in a rally or doing an IBA ride and did get into an accident why the HE!! would you tell anyone AT ALL that you are in a rally or doing an endurance ride. Just seems a little common sence is needed.
Oh I would not use Geico either.

[discochris]

My question would be: If you were in a rally or doing an IBA ride and did get into an accident why the HE!! would you tell anyone AT ALL that you are in a rally or doing an endurance ride. Just seems a little common sence is needed.
Oh I would not use Geico either.

Well, they might ask "Why were you on a dirt road in rural Iowa at 2:30 in the morning when you hit that deer?"  I think I'd struggle to find a good answer to that...

[mike goodwin]

Well, they might ask "Why were you on a dirt road in rural Iowa at 2:30 in the morning when you hit that deer?"  I think I'd struggle to find a good answer to that...

What business would it be for them to know why you were traveling on a public road???
That's half the problem with this country is these stinking insurance companies have so many by the  balls.

[Stray Cat]

Well, they might ask "Why were you on a dirt road in rural Iowa at 2:30 in the morning when you hit that deer?"  I think I'd struggle to find a good answer to that...

How about:
It's a free country with no travel restrictions and I can travel where and when I feel like it without reprecussions.  
Unless your policy has a specific exclusion to that effect, tell them to go F themselves. It's as a pointless question as why you where in traffic in mid afternoon in a big city when you ran into a Chevy.

[jschmidt]

My question would be: If you were in a rally or doing an IBA ride and did get into an accident why the HE!! would you tell anyone AT ALL that you are in a rally or doing an endurance ride. Just seems a little common sence is needed.
Oh I would not use Geico either.

This is why so many wrecks happen on the entrance roads to racetracks on track days.

[Slonishku]

Huh?  

[jschmidt]

Huh?  

Wink, Wink.

[mehaffydr]

  This is why so many wrecks happen on the entrance roads to racetracks on track days.

Ya know it took me a whole day to figure that out. I thoght you were screwing with me then the lite bulb lit. That was my point exactlly.

[jschmidt]

Ya know it took me a whole day to figure that out. I thoght you were screwing with me then the lite bulb lit. That was my point exactlly.

[discochris]

How about:
It's a free country with no travel restrictions and I can travel where and when I feel like it without reprecussions.  
Unless your policy has a specific exclusion to that effect, tell them to go F themselves. It's as a pointless question as why you where in traffic in mid afternoon in a big city when you ran into a Chevy.

And then their team of high-priced lawyers figure out some way to deny your claim, because you weren't telling them the truth. This might not be such a big deal in the case of a minor property claim, but suppose you lose control of your bike, and kill someone. If your company doesn't pay your claim, do you have the $500,000+ to settle the lawsuit? Do you want to take that risk?

[Slonishku]

  This is why so many wrecks happen on the entrance roads to racetracks on track days.

OK... I got it. Only took me a minute, once I realized there was something to think about. And a great point, by the way.

I totally agree that it's nobody's business why you were where you were, but also agree that I don't want my financial house of cards resting upon a hope that "they" won't figure out that I was riding in a rally. I buy insurance for peace of mind as much as anything. And peace of mind is easier to come by when you can tell the truth...

[discochris]

A similar example would be collector car insurance. It's really cheap - about $100/year for full coverage. There's a disclaimer though that you have to sign saying you won't drive the car to work, for errands, as a backup vehicle etc.

If you lose control and run someone over on the way to work, and they ask why you were driving your classic car at 8 am on a Wednesday, you better have a good answer.