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Thread: Horrible MOA experience

  1. #31
    JohnWC
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    Reading all this, it seems like carrying a puncture repair kit and a small compressor is not only the simplest, but also the best and cheapest solution to the problem. And from the enormous loads most guys seem to carry on these bikes, I can't see those two items being much of an additional burden. Then again, I guess you have to be willing to get down on your hands and knees and do the repair. Possibly the rub.

  2. #32
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    Quote Originally Posted by PGlaves View Post
    I offer one general comment. If an insurance type service works OK when I am safely home in my garage but doesn't work well, or at all, when I am on-the-road and far from home, then it isn't really worth much of anything to me.
    sounds like, for at least one member, it didn't even work OK when he was safely home in his garage.

    I'll offer a general comment too...If the insurance you have works for you keep it, if not research one that does- but never assume your good or bad experience is NECESSARILY a reflection of the quality of the company- business is transactional and sometimes a bad experience is really just a bad fit. I trust that MOA had choices in this and chose the company they felt would be the best fit for the most members and not just the low bid or best deal corporately. Having said that, I also trust that if enough members are dissatisfied, MOA would bring that to the vendors attention.

  3. #33
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    Quote Originally Posted by jconway607 View Post
    Reading all this, it seems like carrying a puncture repair kit and a small compressor is not only the simplest, but also the best and cheapest solution to the problem. And from the enormous loads most guys seem to carry on these bikes, I can't see those two items being much of an additional burden. Then again, I guess you have to be willing to get down on your hands and knees and do the repair. Possibly the rub.
    I don't even bother with towing insurance. I figure with the money I have saved over the years not paying for the towing insurance I can pay out of my own pocket, self insured. I have ridden over 200,000 miles in the last 15 years and never needed towing. Also I buy motorcycles with cast wheels and carry a plug kit and compressor, and I wonder about the need for it, but it doesn't take up much room. I have plugged one tire in that time, and it was flat in my garage!
    From the only real Fargo, ND!

  4. #34
    Quote Originally Posted by PoorUB View Post
    I don't even bother with towing insurance. I figure with the money I have saved over the years not paying for the towing insurance I can pay out of my own pocket, self insured.
    The Allstate RV coverage we have covers all of our vehicles: car, truck, camper van, motorcycles. When an axle on my all wheel drive Ford Explorer shot craps while towing a trailer on I-35 between Des Moines and Kansas City the tow bill was over $500. A few years ago a 40 mile tow was $415.

    So far I have only had to use it for a motorcycle once. Voni's R1100RSL got a short in the main wiring harness in South Dakota on SD 63 south of Midland. I had them tow it to a motel in Murdo and I rewired the damaged harness in the parking lot.
    Paul Glaves - "Big Bend", Texas U.S.A
    "The greatest challenge to any thinker is stating the problem in a way that will allow a solution." - Bertrand Russell
    http://web.bigbend.net/~glaves/

  5. #35
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    Which Allstate coverage do you get? The cheaper one is $80 a year. $80 x 15 years is $1200 and I have not needed it yet! I figure I have an extra $1200 in my pocket to pay for a tow if I need one.

    I did abandon a motorcycle 700 miles from home, rent a car to get home and went back to get it later, but towing insurance would not have helped as I was able to "limp" it into a dealer that wouldn't fix it in my time frame.

    I needed a tow for my car about ten years back. We had an accident 60 miles from home. We got the car loaded up and I asked about just running us home. After all, I needed to get home whether the car needed to or not. That was $400. I suppose Allstate would have covered part of it, but certainly just to the closest shop, not all the way home.
    From the only real Fargo, ND!

  6. #36
    Quote Originally Posted by PoorUB View Post
    Which Allstate coverage do you get? The cheaper one is $80 a year. $80 x 15 years is $1200 and I have not needed it yet! I figure I have an extra $1200 in my pocket to pay for a tow if I need one.
    I am not saying your self-insurance is wrong. It is part of any risk tolerance scheme. In our case they may be a little ahead but riding BMWs in the Great Plains and Mountain west brings on a lot more risk than riding a Harley Davidson simply because of dealership spacing. AllstateRV does not have a mileage limit. They tow to the nearest qualified service facility. So for a BMW specific repair that needs to be done by a dealer that easily could be a 400 mile or longer tow. Even from where I live it is over 400 miles to a dealer. It looks like at least 200 miles for you from Fargo to Moon Motors.

    With typical rates of $2 to $4 per mile things can add up really fast.
    Paul Glaves - "Big Bend", Texas U.S.A
    "The greatest challenge to any thinker is stating the problem in a way that will allow a solution." - Bertrand Russell
    http://web.bigbend.net/~glaves/

  7. #37
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    But most, if not all towing insurance limits the distance they will tow, so after the first 100 or 200 miles you are on you dime anyway so the distance has little to do with it. Would Allstate pay a tow from out west to Moon Motors, or roughly 900 miles? Trouble is with that is the nearest BMW dealer is probably 500 miles in the wrong direction!

    Also, sure I was on a Harley, but I got the bike to a large city and could have left it there in rental storage, or some other brands dealership and then rented a car. I sure wasn't going to pay a tow company to run it 700 miles home!
    From the only real Fargo, ND!

  8. #38
    Registered User lkraus's Avatar
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    Progressive (Ohio) offers roadside assistance @ $15/year that provides towing to the nearest qualified repair facility (dealer), no mileage limit. The disablement must occur more than 100 miles from home. The included trip interruption coverage provides up to $100 per day for lodging, up to $50 per day for meals, and up to $50 per day for alternate transportation, with a $500 per disablement limit. Coverage might vary in other states. I've never needed assistance, but it seems like a pretty good deal.
    Larry
    2006 R1200RT

  9. #39
    Registered User m_stock10506's Avatar
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    Quote Originally Posted by PoorUB View Post
    I don't even bother with towing insurance. I figure with the money I have saved over the years not paying for the towing insurance I can pay out of my own pocket, self insured. I have ridden over 200,000 miles in the last 15 years and never needed towing. Also I buy motorcycles with cast wheels and carry a plug kit and compressor, and I wonder about the need for it, but it doesn't take up much room. I have plugged one tire in that time, and it was flat in my garage!
    Paying out of my own pocket isn't so much the issue (for me), it's getting a qualified tow operator. I joined the AMA several years ago because they included roadside assistance in their membership. A couple of years ago, I hit a deer. The bike was certainly rideable to get home, but it wouldn't restart - turned out the fuel pump spigot snapped off. AMA roadside assistance refused to dispatch a tow - said they don't provide a tow due to collision. I begged, told them I would pay for the tow, but they refused. Sunday morning, the middle of nowhere, they wouldn't send a tow. I eventually got someone to give me a number to call; I ended up having to make multiple calls until I could get someone with a flatbed that would get me. I cancelled my AMA membership right after that, and I now have AAA RV Plus coverage.
    Michael Stock, Trinity, NC
    R1100RT, R100, R60/6

  10. #40
    Registered User marcopolo's Avatar
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    Now that this thread has morphed into towing services, and Allstate RV Roadhelp has come up, I'll add my experience with them. Last summer, I had a flat (car, not motorcycle), on I-95 in Maryland. There was so little space on the shoulder, I could not have changed my own tire, even if I had wanted to. While I got RV Roadhelp when my BMW coverage expired on my bike, it covers the car too. I "summoned" help on the phone app, and it never got very far in the process. When I tried phoning, I had difficulty getting through. When I finally did, the person who answered was having a difficult time finding a service provider. Bear in mind, I was on one of the busiest highways in the U.S., not some place in the middle of nowhere. After waiting an inordinate amount of time, I remembered that I also had towing coverage through my GEICO insurance policies (covering car and bike), so I called them. I got a real person on the line almost immediately, and she arranged a service provider very quickly, and I got the tire changed. While this was happening, I called RV Roadhelp back, and cancelled my request. They never did arrange service. This, of course, left me wondering what would have happened, had I been on my bike. I got RV Roadhelp for the same reason others have, the no-limit towing. Their coverage costs me $115/year. The GEICO coverage costs me $9/year. In this particular instance, RV Roadhelp was useless.
    Mark
    2015 R 1200 GS Adventure

  11. #41
    Back in the Saddle mcmxcivrs's Avatar
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    From my perspective about the only true benefit of any of these assistance or insurance programs is having a resource to call on to handle the logistics in the event of a problem. But then isn't that what the Anonymous Book is all about? The companies that provide these services do so to make a profit, so unless you are prone to neglecting your bike or you are driving behind a lot of trucks spilling nails, the cost for most subscribers will outweigh the value received.

    I will remain in the camp of taking my chances and being self reliant and resourceful enough to deal with an issue when/if it happens.
    Ed Miller, Calgary, AB
    2008 K1200GT, 2019 F850GSA

  12. #42
    Quote Originally Posted by PGlaves View Post
    I am not saying your self-insurance is wrong. It is part of any risk tolerance scheme. ...
    Yes. And for various reasons, we might each have reasonable perspectives that differ. So, for example, I started buying the platinum plan when I bought a used 2004 R1150RT which was infamous for stripping the input spline on the transmission, and leaving riders stranded on the side of the road. I had that happen to me on my 2001 R1150GS, fortunately while it was under warranty. I figured the platinum plan insurance was worth the cost for a bike with a non-zero probability of a catastrophic failure while far from home. And then when I sold that bike, I kept buying the insurance out of habit even though my 2017 RT doesn't really justify it. So, I think I made a rational decision to buy the insurance on the 1150, and then made a lazy irrational decision to keep buying it when my circumstances changed. This thread has clarified my commitment to drop the insurance next year.

    Also, it matters if one can afford the cost of resolving the failure when it happens. For most of us on this forum, who can afford to buy new BMW motorcycles, the probability of a catastrophic failure is low, and we can afford the cost of resolving it if it happens. But consider the demographics of motorcycle ridership: old farts (like most of us in the MOA) can afford to fix our bikes as necessary. But younger riders will probably have less experience with expedient repairs, are more likely to be riding older less reliable motorcycles, and are less likely to be able to afford expensive repairs. For them, insurance is probably a good value. And I think all riders benefit if there is an affordable path to ownership for new riders. And especially for the MOA, we benefit when there is an affordable path to ownership of used BMW motorcycles.

    So, the point of all this is that the MOA benefits if there is a high-quality provider of trip insurance. And what we are discovering is that our current provider places barriers to using the coverage when you need it most. So, I would advocate that the MOA would be better served by revising the relationship with our insurance partner. Either we should drop it, and encourage riders to buy one of the highly rated plans mentioned in this thread, OR we should apply some leverage to our current partner to revise the service level agreement.

    Cap

  13. #43
    Quote Originally Posted by cap View Post
    Yes. And for various reasons, we might each have reasonable perspectives that differ. So, for example, I started buying the platinum plan when I bought a used 2004 R1150RT which was infamous for stripping the input spline on the transmission, and leaving riders stranded on the side of the road. I had that happen to me on my 2001 R1150GS, fortunately while it was under warranty. I figured the platinum plan insurance was worth the cost for a bike with a non-zero probability of a catastrophic failure while far from home. And then when I sold that bike, I kept buying the insurance out of habit even though my 2017 RT doesn't really justify it. So, I think I made a rational decision to buy the insurance on the 1150, and then made a lazy irrational decision to keep buying it when my circumstances changed. This thread has clarified my commitment to drop the insurance next year.

    Also, it matters if one can afford the cost of resolving the failure when it happens. For most of us on this forum, who can afford to buy new BMW motorcycles, the probability of a catastrophic failure is low, and we can afford the cost of resolving it if it happens. But consider the demographics of motorcycle ridership: old farts (like most of us in the MOA) can afford to fix our bikes as necessary. But younger riders will probably have less experience with expedient repairs, are more likely to be riding older less reliable motorcycles, and are less likely to be able to afford expensive repairs. For them, insurance is probably a good value. And I think all riders benefit if there is an affordable path to ownership for new riders. And especially for the MOA, we benefit when there is an affordable path to ownership of used BMW motorcycles.

    So, the point of all this is that the MOA benefits if there is a high-quality provider of trip insurance. And what we are discovering is that our current provider places barriers to using the coverage when you need it most. So, I would advocate that the MOA would be better served by revising the relationship with our insurance partner. Either we should drop it, and encourage riders to buy one of the highly rated plans mentioned in this thread, OR we should apply some leverage to our current partner to revise the service level agreement.

    Cap
    I agree 100 per cent.
    Paul Glaves - "Big Bend", Texas U.S.A
    "The greatest challenge to any thinker is stating the problem in a way that will allow a solution." - Bertrand Russell
    http://web.bigbend.net/~glaves/

  14. #44
    Debbie's Servant Lee's Avatar
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    Quote Originally Posted by mcmxcivrs View Post
    But then isn't that what the Anonymous Book is all about? .
    One time I was contacted because of my number in the Anonymous book. Not sure how he picked my name since I was a couple hours from him.
    I told him where the closest dealer was and gave him the number.
    I called a bike shop near him and asked if they knew someone who could tow the guy to Omaha and they did.
    I called the rider back and gave him the number for the tow and I asked if he had tow insurance for the bike.
    He said no and I suggested he contact his car insurance and see if his car insurance would cover a tow for his bike and it turned out it did.
    Lee
    2016 R1200RS
    MOA # 30878
    Past BMW Bikes: 2011 K1300S, 2003 K1200RS, 1991 K75S, 1987 K75T, 1984 R100RT

  15. #45
    '14 R1200 GS Adv bigjohnsd's Avatar
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    I've had the Platinum Coverage for two years now, I have yet to use it though I might have been able to in 2019 0n the Dalton Highway about 50 miles North of the Yukon River Crossing. I cut my quite worn rear tire (Shinko 805) on a sharp rock on our way back to Fairbanks from Prudhoe Bay.

    Platinum Roadside Assistance & Tire Hazard Protection provides 100 miles of free towing - I was 180 miles from Fairbanks.
    I plugged unsuccessfully, then removed the tire from the rim and patched inside. My glue was suspect and the patch leaked. I removed tire again and successfully patched it at the Yukon River Camp, the maintenance guy let me work in his shop .

    I replaced the worn-out tire in Fairbanks on my $$ as it didn't owe me anything, there might have been 2/32 of tread but not worth the hassle.

    I would gladly forego the Tire Replacement coverage for Unlimited Tow Mileage Coverage. I hope that the "Club" looks at these comments when they renew the Road Service contract.

    I for one advocate for an Unlimited Tow Mileage Coverage option in the next contract.
    The only dumb question is the unasked question!

    Team Pterodactyl - When we ride, we ride!

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