Re: Health Insurance Coverage for Motorcyclists

[Dan Wallander <triumph99@xxxxxxxxxxxxx>]

On my insurance (US) there are several categories that vehicles can get 
put into for rate purposes.  Three of them are 'work', 'school', and 
'recreational' (there may be more).  It may also be possible with some 
insurance companies to give a percentage of use to each of the 
categories.  Recreational is the least expensive with my insurer and 
since I didn't drive to work (walking was much easier as work was only 
about 20 feet down the sidewalk) I chose to save some money.  I would 
guess that many people classify their motorcycles as recreational with 
their insurers as a way to save money.As such, vehicle owners 
(motorcycle, SUV, RV, etc) actually indicate on their policies what 
their intended use of their vehicle is. 

I think this is as big a crock of sh-- as the rest of you.  A motorcycle 
has the same rights, priveleges, and responsibilities as an automobile 
on the road.  The motorcyclist should have the same.

Dan Wallander
99 ST

>> 
> 
> Surely motorcycling is not a recreational activity any more than car
> driving is.  It is a form of transport used for getting from A to B. If
> you take a trip 100 miles down the road to view the splendid scenery, have
> a picnic, visit a friend on two wheels this is no different than doing it
> on four. If your policy excludes 'recreational activities' you just don't
> say "I was out for a ride", you say "I was riding to........".   Or is the
> US legal system totally different to the UK?
> 


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