Bikes are a higher liability vehicle for 2 reasons.
1. It is much easier to steal a bike than a car.
2. Physical injury is more likely on a bike than a car.
It's not fair, but the insurance companies and bean counters only care about statistics.[/QUOTE]
Exactly. Have we not learned anything from the BS that the insurance companies claim; "we'll take your premiums, but we don't want to pay for your accidents". Hey, their CEOs need that 27th house and 32nd sports car with their $20million bonuses.
In Nevada, we actually had a Home Owner's Association claim that you could not own a motorcycle and live in this particular HOA community. Not a 'decible reading' for loudness that would apply to everyone (if that was the contemplation), for cars, motorcycles, lawnmowers, etc.; you simply could not live in the neighborhood and own a motorcycle. I believe the same community bought a speed gun and used to issue liens to people if they were over the speed limit in the neighborhood. Thank goodness, the State jumped in and said that they HOA could not do these things; out of a HOA's jurisdictition, so to speak (no S**t). Folks ( & businesses) get out of their legal realm (but not out of their self-righteous realm). They make things up to avoid liability* (sorry, *responsibililty) and possible loss of profits for their not so faithful leader CEOs, that they follow like lemmings.