Rider crashes 899 pani demo bike today at euro cycle event

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anthem said:
Why should the dealer pay for your .... up ??? Your own insurance generally covers you riding another bike. It should be your responsibility first and foremost - so your insurance and then you. . Just because they have insurance, it doesn't mean they won't suffer out of pocket for making claims. ..



You mean if you leaked more water from your body ???

It's like if you borrow a bike from a friend, if you wreck it, you're responsibility.. Absurd to say just because your buddy has insurance that they should just claim it. . People need to take responsibility for their own actions.
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A lot of motorcyclists only carry liability insurance, not collision or even comprehensive. If your insurance doesn't cover your own bike, it's sure not going to cover someone else's bike you are riding.

I agree with a post above, the dealers have insurance for demo rides just like they do for their own employees riding bikes such as demos, and the service department test riding bikes.
 
They may have insurance but that waiver clearly says your liable for all and any damages. Once you sign, It's on you. no different then renting a car. They offer insurance or you have the option to decline and use your own.
 
why does it matter if they have insurance or not. . insurance isn't free. It has a cost based on what the expected risk, amount of claims, etc for the business. . when did the concept of "I screw up, I'm responsible" go out the window ? You don't want to carry insurance - thats your problem. If I screw up someone elses bike (friends, dealer, whatever) - its my problem and I'm responsible. .

and this is why we have less and less opportunities for test rides - because somehow people believe that everyone else is responsible for wrecks but themselves. . geez - its like insurance money grows on trees.
 
Who **** cares about insurance right now? He said the guy was serious condition. Nobody here knows what happened. For all we know someone hit him.
 
The reality is that you and your dealer have no say in who is held responsible in these cases, it's the insurance companies who make that determination based upon the laws that are applicable in your state. Most dealers (including us) have a waiver that you sign when you take a demo ride, which states that you are assuming responsibility for your actions and most importantly that you understand that the dealer is not liable for damage to YOU if you crash (medical liability, which is far more expensive than the cost of a bike). Most of those waivers will say that you are liable for any damage you cause to the bike as well (you break it, you buy it, etc.) but in reality that's more just to make sure you understand it, the actual legal liability is based upon state law and not the waiver. Even if you didn't sign a waiver, you're still responsible if state law says you are.

So let's say you either did or did not sign a waiver, you go out on a demo ride, and you crash the bike through your own fault. The dealer will turn that crash in to their insurance, they will cover the claim, and then they will contact the rider's insurance company and the legal department of each company will pour over the policy language and state laws and determine which company is legally the primary coverage in this case. If the rider's insurance company covers it, then they reimburse the dealer's insurance company for it. If the rider's insurance company does NOT cover it, then the dealer's insurance company will go after the rider to be reimbursed based upon state law assumption of liability if that applies in your state. I can't speak for anything other than Nebraska, but here in the land of corn the rider is going to pay for this, whether they or the dealer really like that or not, the insurance company will sue to get their money back if they have to, and you will pay. Now if the crash was caused by another driver, then there is a 3rd insurance company involved who may be paying for it. The bottom line is that the dealer's insurance is not some kind of free ride that lets you crash a demo bike and not have to pay for it.
 
JeffD said:
I like it, but after looking at the Rivale and Dragster and watching the video reviews of those bikes, I'm pretty sure MV Agusta gets the nod for me. The difference in price between a Dragster ABS and Monster 1200s gets me the Quat D exhaust for the Dragster, which brings this sound:

https://www.youtube.com/watch?v=wNxjixepgt4

If Sebastian still has his demo bike, we should meet up there and both go for a demo ride.

The real question is, how was the Panigale on Barber this weekend?!!!! Any video?
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Jeff, I had a blast on the Panigale. Met a few guys here that race them, like Derrick Cantrell(AMA guy) and followed him around giving, me tips. He had the Akra with rapid bike and his S model was smoking fast. I would say, 99% of the guys in advanced (60 riders but don't didn't seem like that many) were either AMA, Wera or CCS racers. I was not the slowest, but I was always getting passed by someone. There was a guy on a 2014 Ducati hyper that I had trouble passing. I finally got passed him and one of the guys said, "he was on your ass the entire time." Jason Disalvo and Elana Myers were there and they buzzed me every sessions. My first couple of sessions, my best times were in the 1:47s. After working with Derrick for two sessions, the best time I saw was a 1:43. I have to check the dda for the last two sessions of the day because my boy said we did a few laps in the 1:39s. Pretty good for my first time back at barber since 04.
 
Freakin' awesome Leon, I'm jealous. I was at VIR back in 2001 and Jason Disalvo was racing AMA 250 GP. He was getting some track time in before an AMA race weekend and rode in the advanced group. I couldn't believe how fast he was through the tight sections. Always thought he would make it to MotoGP since he is Pedrosa's size, but his career didn't work out that way.
 
ok first off. I'd you don't know what happened or know the rider DON'T be a tool and open your mouth about something you don't know This guy is my friend. He is a very experienced rider. Been riding for years. Has done plenty of track days. He's ok. A minor concussion and a broken nose. This incident h append on his was back to the dealer. HE knows why he crashed And so do I. You sir do NOT. So for you to armchair the incident makes you look like an idiot.
 
Your two ducs the "slapdick" as You so nicely put it. Has more class and decency then you ever could you sir are a ....... dolt and shouldn't even have the privilege of riding or owning a bike.
 
So if you're finished with the name calling, go ahead and tell us what happened already.
 
mytwoducs said:
wow, well I hope the "slap Di__" is ok. went to the Ducati event at my dealer today. I rode the new monster first today and got the tires scrubbed up a bit. nice bike, if I was even more effluent, lol, I would get it for running around. good power, wanted to come up, I like that, rides like a dirt bike. I liked it.
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triumphchris675 said:
Your two ducs the "slapdick" as You so nicely put it. Has more class and decency then you ever could you sir are a ....... dolt and shouldn't even have the privilege of riding or owning a bike.
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Guys... I really don't get why whenever someone posts about crashes/accidents you guys have to start throwing insults/blame around?? Are we not all in the same boat here??? Doing something we all find fun/thrilling etc and yet we know we are one minor error from being in big trouble....

Take my word for it..if you ride long enough..you will crash.... So lets be respectful and care about others...Please...
 
JeffD said:
Speaking of that Steve, how are you healing up from your recent semi-serious crash?
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Jeff.. Thanks for asking.... I am almost there..I am riding again although due to pain in my left wrist and heel I find left handers a challenge... Its just a time thing now.... I cant do the 600+ mile trips yet that I had been doing...200 is my max before my body says no more... Doing the 3 sisters in Texas Hill country at Easter... That's going to be interesting.... :)
 
jarelj said:
The reality is that you and your dealer have no say in who is held responsible in these cases, it's the insurance companies who make that determination based upon the laws that are applicable in your state. Most dealers (including us) have a waiver that you sign when you take a demo ride, which states that you are assuming responsibility for your actions and most importantly that you understand that the dealer is not liable for damage to YOU if you crash (medical liability, which is far more expensive than the cost of a bike). Most of those waivers will say that you are liable for any damage you cause to the bike as well (you break it, you buy it, etc.) but in reality that's more just to make sure you understand it, the actual legal liability is based upon state law and not the waiver. Even if you didn't sign a waiver, you're still responsible if state law says you are.

So let's say you either did or did not sign a waiver, you go out on a demo ride, and you crash the bike through your own fault. The dealer will turn that crash in to their insurance, they will cover the claim, and then they will contact the rider's insurance company and the legal department of each company will pour over the policy language and state laws and determine which company is legally the primary coverage in this case. If the rider's insurance company covers it, then they reimburse the dealer's insurance company for it. If the rider's insurance company does NOT cover it, then the dealer's insurance company will go after the rider to be reimbursed based upon state law assumption of liability if that applies in your state. I can't speak for anything other than Nebraska, but here in the land of corn the rider is going to pay for this, whether they or the dealer really like that or not, the insurance company will sue to get their money back if they have to, and you will pay. Now if the crash was caused by another driver, then there is a 3rd insurance company involved who may be paying for it. The bottom line is that the dealer's insurance is not some kind of free ride that lets you crash a demo bike and not have to pay for it.
Click to expand...

We used to have an insurance guy on here, but in general, the insurance follows the the vehicle. Meaning no mater who does what to a vehicle, the policy for the vehicle covers it. Then, if the insurance company decides they have a case, they will go after the rider. Simple.
 
Inexperienced rider crashes 899 pani demo bike today at euro cycle event

Trauma said:
We used to have an insurance guy on here, but in general, the insurance follows the the vehicle. Meaning no mater who does what to a vehicle, the policy for the vehicle covers it. Then, if the insurance company decides they have a case, they will go after the rider. Simple.
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Yes that's for the person who insured the vehicle... . However just because there is insurance on a vehicle doesn't mean that is for YOU to claim on it of you screw it up. That's for the owner of the insurance/vehicle . .

If you borrow your friends bike and wreck it. Is it your responsibility or your friends insurance ? Yeah - he /could/ claim it, but then his insurance will probably go up anywhere from hundreds to thousands (or in some cases tens or even hundreds of thousands) all because you screwed up a bike. So is it the insurance holders fault that you wrecked a bike you don't own ???

As an aside - some insurance policies cover the rider and any car or bike he rides/drive. But for whatever reason most motorcycle insurance policies are written to the bare minimum.
 
That would be a very special policy to cover every vehicle not mentioned in the policy. You drive and total a Ferrari with a a policy on your Honda Civic, your company is not going to pay, plus you have to have a rider to insure a rented car. But policies or for the vehicle, not the person (other then liability, i.e umbrella). You wreck a friends/dealers bike, you can be an ....... and walk away. It is up to the insurance company of the vehicle to come after you.
 
Actually its quite common. I think its called non-owned vehicle coverage or something. . it is especially helpful if you rent cars, drive borrowed cars, etc. . Very helpful for college students who might be driving cars they don't own as well. . It just can't be a "regular occurrence" otherwise primary coverage needs to be taken. .

All insurance have limits of coverage regardless of whether its liability, comprehensive, damage, umbrella, non-owned, etc. . so yes, if I wrecked a Ferrari on my coverage, depending upon limits, it can easily be covered. In my case, it would easily be covered (though I don' own a Honda civic). . Physical damage policies are on the vehicle unless contracted otherwise. . .

And your last sentence is exactly what I'm talking about - you wreck a bike and "walk away" because you assume somebody else will take care of it, well, you're an ......... .
 

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