I posted this on the end of another thread and it didn't go well. In the interest of a having a worth while discussion regarding a clause in my Geico policy.
I got my policy and took the liberty to post here the exceptions policy of my Geico Motorcycle insurance policy:
First, the whole page # 12 without any editing, then I will highlight my concerns at the bottom of the page.
Here is the whole page:
New Policy Page 21 of 42
12.
a) any hill climbing exhibition or any other contest or demonstration;
b) any race, speed contest, spontaneous racing or stunting activity of any nature;
c)
d)
13. to punitive or exemplary damages.
14.
15.
16.
17.
18.
PERSONS INSURED
1.
2.
3.
1. a)
b)
2.
FINANCIAL RESPONSIBILITY LAWS
OUT OF STATE INSURANCE
LIMITS OF LIABILITY
1.
2.
3.
to bodily injury or property damage losses sustained while your motorcycle is used in, or in preparation or practice for:
any marathon-type contest, use in any competition and/or sporting event, or while on any race course or facility designed for racing; or any contest which sanctions continuous riding for 24 or more hours and/or mileage accumulation in excess of
500 miles per 24 hour period.
to bodily injury or property damage caused by war, whether or not declared, civil war, insurrection, rebellion or revolution.
to bodily injury or property damage while occupying, using or operating an all terrain vehicle.
to bodily injury or property damage while occupying, using or operating an electric personal assistive mobility device.
for bodily injury or property damage that results from nuclear exposure or explosion including resulting fire, radiation or contamination.
for bodily injury or property damage due to bio-chemical attack or exposure to bio-chemical agents.
SECTION I applies to the following as insureds with regard to an owned motorcycle:
You and your relatives;
Any other person using the motorcycle with your permission. The actual use must be within the scope of that permission;
Any other person or organization for his or its liability because of acts or omissions of an insured under 1. or 2. above.
SECTION I applies to the following with regard to a non-owned motorcycle:
you for all non-owned motorcycles as defined;
your relatives when using a motorcycle or trailer.
Such use by you or your relatives must be with the permission, or reasonably believed to be with the permission, of
the owner and within the scope of that permission.
A person or organization, not owning or hiring the motorcycle, regarding his or its liability because of acts or
omissions of an insured under 1. above.
The coverage limits stated in the Declarations are our maximum obligations regardless of the number of insureds
involved in the occurrence.
When this policy is certified as proof of financial responsibility for the future under the provisions of a motor vehicle
financial responsibility law, this liability insurance will comply with the provisions of that law. The insured agrees to
reimburse us for payments made by us which we would not have had to make except for this agreement.
When the policy applies to the operation of a motorcycle outside of your state, we agree to increase your coverages to
the extent required of out-of-state motorists by local law. This additional coverage will be reduced to the extent that you
are protected by another automobile insurance policy. No person can be paid more than once for any item of loss.
Regardless of the number of motorcycles to which the policy applies:
The limit of Bodily Injury Liability stated in the Declarations as applicable to "each person" is the limit of our liability
for all damages, including damages for care and loss of services, because of bodily injury sustained by one person
as the result of one occurrence.
The limit of Bodily Injury Liability stated in the Declarations as applicable to "each occurrence" is, subject to the above
provision respecting each person, the total limit of our liability for all such damages, including damages for care and
loss of services, because of bodily injury sustained by two or more persons as the result of any one occurrence.
The limit of Property Damage Liability stated in the Declarations as applicable to "each occurrence" is the total limit
of our liability for all damages because of injury to or destruction of the property of one or more persons or
organizations, ...................
**** Under line 3. there is this:
to bodily injury or property damage losses sustained while your motorcycle is used in, or in preparation or practice for:
any marathon-type contest, use in any competition and/or sporting event, or while on any race course or facility designed for racing; or
any contest which sanctions continuous riding for 24 or more hours and/or mileage accumulation in excess of 500 miles per 24 hour period.
Now I don't really have a dog in this fight. I mostly motorcycle camp and rarely travel over 500 miles in a 24 hour period. I have done so, but not with any regularity.
However, if I did ride 500+ miles in 24 hours and I had Geico Insurance, I would want this exclusion explained to me by a Geico representative, an attorney or perhaps just a English major. Legalize perhaps, but that sentence is run on and I am not sure if that last clause is to stand alone. I wouldn't trust my local Geico Insurance Agent to tell me "I am good." I would want clarification. Perhaps we have good qualified professional folks on this forum?
Better safe than sorry.
I take it that Geico Motorcycle Insurance doesn't really want riders who ride 500+ miles a day.
I got my policy and took the liberty to post here the exceptions policy of my Geico Motorcycle insurance policy:
First, the whole page # 12 without any editing, then I will highlight my concerns at the bottom of the page.
Here is the whole page:
New Policy Page 21 of 42
12.
a) any hill climbing exhibition or any other contest or demonstration;
b) any race, speed contest, spontaneous racing or stunting activity of any nature;
c)
d)
13. to punitive or exemplary damages.
14.
15.
16.
17.
18.
PERSONS INSURED
1.
2.
3.
1. a)
b)
2.
FINANCIAL RESPONSIBILITY LAWS
OUT OF STATE INSURANCE
LIMITS OF LIABILITY
1.
2.
3.
to bodily injury or property damage losses sustained while your motorcycle is used in, or in preparation or practice for:
any marathon-type contest, use in any competition and/or sporting event, or while on any race course or facility designed for racing; or any contest which sanctions continuous riding for 24 or more hours and/or mileage accumulation in excess of
500 miles per 24 hour period.
to bodily injury or property damage caused by war, whether or not declared, civil war, insurrection, rebellion or revolution.
to bodily injury or property damage while occupying, using or operating an all terrain vehicle.
to bodily injury or property damage while occupying, using or operating an electric personal assistive mobility device.
for bodily injury or property damage that results from nuclear exposure or explosion including resulting fire, radiation or contamination.
for bodily injury or property damage due to bio-chemical attack or exposure to bio-chemical agents.
SECTION I applies to the following as insureds with regard to an owned motorcycle:
You and your relatives;
Any other person using the motorcycle with your permission. The actual use must be within the scope of that permission;
Any other person or organization for his or its liability because of acts or omissions of an insured under 1. or 2. above.
SECTION I applies to the following with regard to a non-owned motorcycle:
you for all non-owned motorcycles as defined;
your relatives when using a motorcycle or trailer.
Such use by you or your relatives must be with the permission, or reasonably believed to be with the permission, of
the owner and within the scope of that permission.
A person or organization, not owning or hiring the motorcycle, regarding his or its liability because of acts or
omissions of an insured under 1. above.
The coverage limits stated in the Declarations are our maximum obligations regardless of the number of insureds
involved in the occurrence.
When this policy is certified as proof of financial responsibility for the future under the provisions of a motor vehicle
financial responsibility law, this liability insurance will comply with the provisions of that law. The insured agrees to
reimburse us for payments made by us which we would not have had to make except for this agreement.
When the policy applies to the operation of a motorcycle outside of your state, we agree to increase your coverages to
the extent required of out-of-state motorists by local law. This additional coverage will be reduced to the extent that you
are protected by another automobile insurance policy. No person can be paid more than once for any item of loss.
Regardless of the number of motorcycles to which the policy applies:
The limit of Bodily Injury Liability stated in the Declarations as applicable to "each person" is the limit of our liability
for all damages, including damages for care and loss of services, because of bodily injury sustained by one person
as the result of one occurrence.
The limit of Bodily Injury Liability stated in the Declarations as applicable to "each occurrence" is, subject to the above
provision respecting each person, the total limit of our liability for all such damages, including damages for care and
loss of services, because of bodily injury sustained by two or more persons as the result of any one occurrence.
The limit of Property Damage Liability stated in the Declarations as applicable to "each occurrence" is the total limit
of our liability for all damages because of injury to or destruction of the property of one or more persons or
organizations, ...................
**** Under line 3. there is this:
to bodily injury or property damage losses sustained while your motorcycle is used in, or in preparation or practice for:
any marathon-type contest, use in any competition and/or sporting event, or while on any race course or facility designed for racing; or
any contest which sanctions continuous riding for 24 or more hours and/or mileage accumulation in excess of 500 miles per 24 hour period.
Now I don't really have a dog in this fight. I mostly motorcycle camp and rarely travel over 500 miles in a 24 hour period. I have done so, but not with any regularity.
However, if I did ride 500+ miles in 24 hours and I had Geico Insurance, I would want this exclusion explained to me by a Geico representative, an attorney or perhaps just a English major. Legalize perhaps, but that sentence is run on and I am not sure if that last clause is to stand alone. I wouldn't trust my local Geico Insurance Agent to tell me "I am good." I would want clarification. Perhaps we have good qualified professional folks on this forum?
Better safe than sorry.
I take it that Geico Motorcycle Insurance doesn't really want riders who ride 500+ miles a day.