insruance SDIP

[Jim]

So I’m a step 98 (safe driver) on my auto policy. I get my M class license and put a motorcycle on a new separate) insurance policy. They tell me I’m a newly licensed M class, so i have to start at the beginning step for that policy. No big deal.

so i get a speeding ticket on my bike last summer, and now I’m surcharged on my auto policy

So my bike insurance policy is higher because I’m licensed for under 5 years, but as soon as I get a surchargable incident under that M class, it affects my D class auto policy.

Explain this to me, how this makes sense. Seems like I’m screwed in any way possible for surcharges and SDIP policy.

[Danz19899]

aren't insurance laws great!! . . . .

[BMFR6]

you got lied to. your sdip step is tied to your license (which carries your M endorsement) and is not given to you by the ins company. this means you only have one sdip rating. you have a surchargable event regardless of what you are driving, you get points and it hurts all your policies. so when you say you were a 98 on your auto policy, you were actually a 98 on your auto and bike policy.

[Jim]

you got lied to. your sdip step is tied to your license (which carries your M endorsement) and is not given to you by the ins company. this means you only have one sdip rating. you have a surchargable event regardless of what you are driving, you get points and it hurts all your policies. so when you say you were a 98 on your auto policy, you were actually a 98 on your auto and bike policy.

they did a complete different policy for my bike, and i saw the paperwork that showed my step. sounds like i'm screwed

[butcher bergs]

Explain this to me, how this makes sense.

You don't live in NH.

[Stoneman]

In NH anyway, they 'surcharge' your highest premium. Say I get a ticket on my bike - the 'surcharge' would actually show on my truck insurance as that's the more costly of the two. Shady as shit, but they place the 'highest risk' on the most expensive policy. Equals more cha-ching for them...

[The Snowman]

You've only had your license a year? That explains it.

Like BMFR6 said, your SDIP isn't tied to the insurance, just your license.

Too bad insurance companies don't offer multi-vehicle discounts that include motorcycles. (if they do, mine isn't one of them) I have a policy with 2 cars and 3 bikes on it and only get the multi-vehicle on the cars.

It seems like a double standard though how they can give you a higher rate for being an inexperienced motorcycle rider on your bike policy and the lower 98 SDIP rate for the car. Then, hike both when you get a violation for the other.

Blame the Dems.

[DuncanMoto]

[QUOTE=07BladeRider;906830]....Too bad insurance companies don't offer multi-vehicle discounts that include motorcycles....QUOTE]

Mine just started. I just had 3 bikes combined on one policy.

[WordTooYoMamma]

Wirelessly posted (Tilt: HTC-ST7377/1.59.502.3 (67150) Opera/9.50 (Windows NT 5.1; U; en))

+1 on blaming the dems

[klepsta]

Same thing happened to me, they just surcharged the more expensive policy to make more $$$

[butcher bergs]

The "more expensive" policy (your automobile, in most cases) reflects the charges because America views the motorcycle as a luxury and not a form of transportation.

[slammp]

Stupid question. How is it you were a senior member on this board when I signed up and you just got your M license?

1) If you took the safety course you get a mandatory discount on your policy.
2) You should not be a higher rate because you just got your motorcycle license - that is incorrect - I would shop my insurance with another carrier.
3) both policies, while completely different, are based upon the same driving record so accidents or tickets on either will effect each policy.

Seriously, I would recommend shopping around. I use State Fund insurance at 100 Summer Street in Boston because I can deal with it while at work - they always competitively price my policy and I usually end up with a different carrier each year based on that.

[Doc]

SOoooo.... You have been driving illegally?

[Jim]

if you guys are referring to me, i've had 3 permits (good for 2 years each) since i was 18. Bought my 1st street bike in June 2007 & got my license a week after. So i've almost had my M-class for 3 years now.

[ChrisNoF4i]

Definitely fight the ticket! (If you, in fact, were not riding dirty)

[slammp]

i've had 3 permits (good for 2 years each) since i was 18

Your sig says your 29. You seem to have skipped a 5 year period there?

[Jim]

Your sig says your 29. You seem to have skipped a 5 year period there?

why are you ball busting? want to know what i had for dinner last night too?

since you're so interested, 3 permits x 2 years valid = 6 years. starting at 18 years old, i was on permits till 24. got my M class in June 2007, when I was 26. i barely rode my friend's bikes when i was on my permit, so i didnt always renew them right away. that should explain any gaps where I wasnt able to ride.

[BMFR6]

hhmmm. i should just have an NESR Insurance Day, I'll quote all of you and tell you if you're getting screwed.

[Jim]

hhmmm. i should just have an NESR Insurance Day, I'll quote all of you and tell you if you're getting screwed.

so there's nothing i can do about the 2 speeding incidents? 1 auto and 1 motocycle citation in 5 years will effect both policies?

[BMFR6]

so there's nothing i can do about the 2 speeding incidents? 1 auto and 1 motocycle citation in 5 years will effect both policies?

not really. your "step" is tied to your license, when you get a policy in MA the ins company runs your license number through the registry and the registry tells the ins company what "step" you are at. we have no say in what it is. if your motorcycle license and drivers license were separate things (which isn't possible), you could have 2 different steps. but you (we) have a drivers license with an M endorsement, same license. wish i had better news. i'll do some more digging for you, but i'm pretty sure your stuck. FWIW, don't get any more tickets, they don't help matters.

[Wild.Bill]

As much as I don't like it, the points go with the license. I got the M back around 1970 rode for quite a while then stopped for a while. I started again 2 years ago and when I got insurance on the bike -- on a different policy from a different company than my car's -- I had to pay a surcharge from the start because of the many points I collected with the cars (having a Corvette is a good way to collect lots points).

This might be why my wife has always had a different auto policy without me on it.

[Jim]

FWIW, don't get any more tickets, they don't help matters.

the one in 2005 i was rushing to pick up a drunk friend who couldnt drive home.

the bike one last year, i was running late for my apprasial. my street bike was hit & run in my driveway while i was at VIR last year.

typically, i'm pretty good with the speed limits.

[BMFR6]

the one in 2005 i was rushing to pick up a drunk friend who couldnt drive home.

the bike one last year, i was running late for my apprasial. my street bike was hit & run in my driveway while i was at VIR last year.

typically, i'm pretty good with the speed limits.

No its cool, I'm not mocking or judging. We all have reasons but the bottom line is the registry doesn't care so neither does the insurance companies.