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Fall Motorcycle Thread

Rocky

TRIBE Member
When I had u-turn lady come out in front of me, the other driver had absolutely no regard for checking for oncoming traffic and if I was a car and wasn't alert then her passenger would probably be dead.
I rode my first motorized two-wheeled vehicles (50cc and 150cc scooters) in a place (Taipei, Taiwan) where this sort of thing was standard operating procedure. My road awareness skills quickly became honed.

Although, it is much different here. These sorts of things occur less often. And that's why it can be more dangerous. It's usually some random numb-skull who pulls out in front of you. You can easily become use to this sort of thing not happening, and this could lead to you letting your guard down a bit. You can still be 100% aware of the road and other drivers, but you could easily be lulled into not anticipating stupid driving behaviour from that random idiot.

Ability to anticipate a driver's intensions and actions is equally as important as road awareness and mental alertness (unless this is already included in your own definition of these terms).
 

djfear

TRIBE Member
The riding course really changed the way I move about - in all modes of transportation, even including walking! I always look at the driver I'm crossing in front of.

Changing topics, one of the guys I went to Mods & Rockers with is having a fundraiser now that he's paralyzed (this was the accident). I don't really know the details of his insurance or the police outcome or anything like that, but does fault play into account on insurance pay out? I don't want to be a dick and ask why he's having a fundraiser when we're all insured, but I can only guess that our wonderful system is not working out for him at the moment.

For example, let's say you're covered for 1 million for bodily injury, and you were considered at fault, would they still pay you out regardless? Is there any reason why they wouldn't take care of you, or is it a very long drawn out process? I should probably ask Swenard this question...
 

Rocky

TRIBE Member
I don't really know the details of his insurance or the police outcome or anything like that, but does fault play into account on insurance pay out?
I don't really know, but I'd tend to maintain that the insurance industry is a money-making scam.

My girlfriend was in a car accident back in April. She was completely not at fault. She sustained injuries to the muscles in her back and neck from the accident, but the insurance company refused to pay for her physical therapy after approx. $3,000 worth of treatments. She has gone to a lawyer, but, so far, nothing has come of it.

I've said before that a for-profit insurance industry should not exist. The profit motive in these sorts of industries will tend to lead towards increased premiums and decreased payouts in the name of ever-increasing profits. Maybe your friend's case, as with my girlfriend's, is just another example of this.
 
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shanekingsley

TRIBE Member
About 8 years ago I was involved in an 100% not at fault collision where I was hit head on in Roncesvalles. The opposing vehicle (van) crossed the yellow line at the last minute and I did not have time to react. I flew over the handlebars, somersaulted in the air and bounced off the hood/windshield of the van before rolling off and landing on the pavement. I broke my right wrist and sustained a deep cut to my left knee. Full details and a breakdown of the process/ payouts here: Jevco reviews
The riding course really changed the way I move about - in all modes of transportation, even including walking! I always look at the driver I'm crossing in front of.

Changing topics, one of the guys I went to Mods & Rockers with is having a fundraiser now that he's paralyzed (this was the accident). I don't really know the details of his insurance or the police outcome or anything like that, but does fault play into account on insurance pay out? I don't want to be a dick and ask why he's having a fundraiser when we're all insured, but I can only guess that our wonderful system is not working out for him at the moment.

For example, let's say you're covered for 1 million for bodily injury, and you were considered at fault, would they still pay you out regardless? Is there any reason why they wouldn't take care of you, or is it a very long drawn out process? I should probably ask Swenard this question...
First off, sorry to hear about your friend in that collision. I don't think you would be a dick for (tactfully) asking why he's having a fundraiser for when we are all insured. Who better to educate you on how good/bad the insurance system is than someone going through the process?

From my understanding, even if deemed 100% at fault, that would not affect how much you would get along the way for your medical treatments and rehabilitation. That's the whole point of the no-fault system we have - your own insurance company has to take care of your rehab regardless of fault. The issues arise when the insurance company feels that you have healed enough that they do not want to keep paying you out, or it's time to finalize the settlement and your % at fault limits your ability to achieve the highest possible settlement amount. On GTAM there are a few insurance specialists that post up in the insurance sub-section, to whom I would suggest you or your friend direct specific questions to become aware of the multitude of options available on how to best proceed.

In your friends case, since he has suffered what the insurance company would deem as a serious and permanent injury, they have to deal with it differently, but the bureaucracy of it remains the same, as well as the snail like pace at which they operate. For example, irrespective if he was making $1000/week as his pre-accident net earnings, the max income loss benefit is $400/week until final settlement. It is up to the injured party to keep records of all costs, both experienced and projected to include in the final lawsuit/tort claim. If the claim is going to take years to finalize, then it is very reasonable and likely that this person could be on the brink of financial ruin while waiting for insurance to pay out. This does not even take into account the intense stress that perceived financial ruin has on the individual which can greatly impede the ability to heal quickly. And as Rocky pointed out, never forget that the insurance company is in the business of making money, not doling it out, so it's important to immediately recognize what steps you need to make in this type of situation to help yourself on all levels - financially and medically.

I don't really know, but I'd tend to maintain that the insurance industry is a money-making scam.

My girlfriend was in a car accident back in April. She was completely not at fault. She sustained injuries to the muscles in her back and neck from the accident, but the insurance company refused to pay for her physical therapy after approx. $3,000 worth of treatments. She has gone to a lawyer, but, so far, nothing has come of it.

I've said before that a for-profit insurance industry should not exist. The profit motive in these sorts of industries will tend to lead towards increased premiums and decreased payouts in the name of ever-increasing profits. Maybe your friend's case, as with my girlfriend's, is just another example of this.
Rocky - sorry to hear about her injuries. Back and neck injuries can be complicated healing processes and are certainly tougher to treat. Has she seen an Osteopath? They may offer her a great deal more healing potential than a typical physical therapist can offer as they treat beyond the site of the symptom. Osteopaths are typically pre-existing professionals (physio's, chiro's, massage therapists, etc) who feel that they need more tools and a broader and more holistic view of the human body and health care than the compartmentalized fields we traditionally recognize. PM me if you have any questions as my partner is one.

I went with ThomsonRogers (Bay/Richmond) who are one of, if not the biggest, personal injury law firms in Ontario. Their fee was about 25% of my total settlement amount (paid after settlement - nothing up front), which was more than fair considering how aggressive they were and they got me about 8x what the insurance company was offering as their final offer. I can not stress how pleased I was with their service, including all communication with me, professionalism throughout the process and aggressiveness with dealing with both insurance companies. I essentially sued my own insurance company and the other vehicles insurance company and was fairly compensated. In Ontario it's not like states where you can sue for a million for breaking a fingernail; here the settlements reached take into account realistic estimations of what any financial loss would have been and only as a result of permanent and serious injury, which can be difficult to quantify with back and neck injuries.

The whole process took about 18 months from date of collision. Again, PM me if you have any questions.
Cheers.
 

djfear

TRIBE Member
Rocky & Shane, thanks for those responses. I thought about it and spoke with some of my friends about the donations and I'll do it at a slightly later time as I can't this moment.

It makes sense though, as even with my own insurance claim everything takes time. Oh! But I have good news...

My insurance finally called me and said that they finished their investigation and found u-turn lady 100% at fault, so they're covering everything for me. I'm gonna get the bike sent to Speedworx in Markham to get inspected & appraised, so whether it's a write-off or fix will be determined by them. Either one I'll be happy with (more happy with a write-off and fat cheque, but whatever). They told me that the lady had a different version of events, but all of the witnesses that they called and followed up with corroborated with my story.

Fucking motorcycles... *sigh*. The thing I hate about riding is the anxiety it can cause family, as I get the same feeling when my gf sometimes goes riding, since she's had a few spills. But yah, I'll be getting another one at some point again. I don't think I can give it up as it's too much fun. I would like to get into tracking & dirt riding, but that will have to wait a bit more. For now I gotta deal with this and wait out this wonderful winter.
 

cosmiK-Cat

TRIBE Member
So, i saw someone out on a little Suzuki Dirt bike on Mar 1st.
(Shall we rename this the Spring thread?)
Looking to get a bigger bike this season- would like another gear and a bit more hp :)
Went to the spring show-sat on alot of bikes, but as i am looking for something around 600-800 cc dual sporty- naked-ish based on the reviews i may have to wait till next year as the bugs on what i'm looking at haven't been worked out yet.

But I'd still like to get my M this season- i don't really want to take the little Rebel out on the 401..if that's part of the highway test in Toronto-anyone know?
 

djfear

TRIBE Member
On the M test you go on the highway and take the first exit. They'll make you do 1 lane change to the middle and then back. Just keep checking your mirrors, move your head a lot, stay in the right tire track and don't do anything stupid or illegal.

I won't be riding this year, and most likely not next year. After I wrote off my motorcycle I decided I want to grab a car first so that I can go adventuring in the winter time, because quite frankly I am fucking bored out of my skull! Next year we're planning on doing motorcycle diaries in south america, or possibly southern europe for 2-3 months (and I have to save up for that).

Come spring 2017 I'll probably grab a Daytona 675r w/ ABS or something equivalent. ABS everything! *sigh*... I'll be cursing every rider I see in the summer time. Hopefully I'm not dumb and decide to buy a bike this year. :p
 

shanekingsley

TRIBE Member
I did my M test in Mississauga and it was just as described - only on the highway for one exit to demonstrate a lane change to middle lane, then get off the highway at the next exit. You should be fine on your Rebel.

As for looking for a 600-800cc dual sporty, naked-ish bike - there are so many amazing options out there that fit that bill.

Up to 5 degrees this week - the bike comes back out!
 
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djfear

TRIBE Member
I need a new full face helmet, gloves, and boots before I even buy a new motorcycle. :|

Has anyone owned an S1000RR? I'm curious what they're like to ride & own.
 

cosmiK-Cat

TRIBE Member
Nice job on the honda there. don't get the flatseat thing that's popular lately.

I'm still not out. Lotsa dirt/sand crap on the road in town from the long winter, really dislike skidding in it.
Been reading up on electric motorcycles- going to set up a test ride a zero- gets pretty good reviews:
"Holy s##t!"
2014 Zero SR- First Ride Electric Motorcycle Review- Photos- Specifications
My pops would roll over in his grave I think if i bought one. Then again, if this came out when he was young, it might be the thing he'd buy
 

cosmosuave

TRIBE Member
Nice job on the honda there. don't get the flatseat thing that's popular lately.

I'm still not out. Lotsa dirt/sand crap on the road in town from the long winter, really dislike skidding in it.
Been reading up on electric motorcycles- going to set up a test ride a zero- gets pretty good reviews:
"Holy s##t!"
2014 Zero SR- First Ride Electric Motorcycle Review- Photos- Specifications
My pops would roll over in his grave I think if i bought one. Then again, if this came out when he was young, it might be the thing he'd buy
Not much range 90 miles... You could not go on a long cruise but for communing I guess it is ok... For the price I would wait another 5 years for the technolgy to develop and the price comes down..
 
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litespeed

Well-Known TRIBEr
crap.. just got a notice that my M2 expires in July.

I'm thinking about doing to course, as opposed to booking a road test through the ministry. Might be good to have a refresher on a few things. Has anyone done the course for their full M?
 

shanekingsley

TRIBE Member
crap.. just got a notice that my M2 expires in July.

I'm thinking about doing to course, as opposed to booking a road test through the ministry. Might be good to have a refresher on a few things. Has anyone done the course for their full M?
I took the course for the Full M. I had lot's of riding experience and as you described, I also did it to get the refresher after 5 years of no training. I could have easily passed the test at the ministry, but taking the course was a great way to revisit and correct some bad habits picked up.
RTI offers a course: Riding Strategies (M & ML) – $360 + TAX
 

cosmiK-Cat

TRIBE Member
Not much range 90 miles... You could not go on a long cruise but for communing I guess it is ok... For the price I would wait another 5 years for the technolgy to develop and the price comes down..
Works for me- my family fits in that radius, and that's as far as i"d go most runs. Prices are almost the same as Harley, but yeah, considering new in the same range is about 1/2 the price from other (fuel) mfg.

...now i'm thinking it'd be a good excuse to get a vintage bike to tinker with for a few years...sigh. i need a barn :D
 
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djfear

TRIBE Member
God damn right they do.

1. All metered parking is free.
2. Rush hour, permit parking, and other no parking rules still apply.
3. If you can pay for it, that means its free.
4. Don't park on the sidewalk. You will get fined.
5. Though youre technically not allowed to park longer than 3 hours anywhere, this rule is rarely enforced and reserved for abandoned cars, or other delinquents.
 

OwenThomas

TRIBE Promoter
Does Toronto still offer free motorcycle parking in designated areas?
Rocky, how did you go riding in the U.K? I thought our Ontario licenses are no good for motorcycles there.

I lived in Wales for a while and am considering going back for a few weeks to get my license, buying a bike and leaving it at my Moms house so I can zip around Europe when I can get over there. Cheaper than renting, long-term and I can't be bothered to ship a bike like you did only for 2 week riding trips a few times a year. Insurance on bikes is pennies compared to the butt raping we experience in Ontario.
 

Rocky

TRIBE Member
God damn right they do.

1. All metered parking is free.
2. Rush hour, permit parking, and other no parking rules still apply.
3. If you can pay for it, that means its free.
4. Don't park on the sidewalk. You will get fined.
5. Though youre technically not allowed to park longer than 3 hours anywhere, this rule is rarely enforced and reserved for abandoned cars, or other delinquents.
Sweet! But I don't think it's all metered parking spots. I just read this HERE:

Motorcycle and Scooter Parking Pilot Overview

The City of Toronto along with the Toronto Parking Authority is introducing designated on-street motorcycle and scooter parking zones in certain existing locations operated with pay-and-display machines on a pilot basis to provide safe, convenient parking for motorcyclists. These parking zones will be defined by line markings on the pavement and signage. The purpose of the pilot is to encourage motorcyclists to park legally on city streets and to park within the pay-and-display area in a controlled fashion to maximize available parking.

Parking in these designated locations will be free of charge to motorcycles and scooters, consistent with the City of Toronto's existing practice with respect to locations solely operated by way of pay-and-displays machines.

Pilot Scope and Proposed Parking Locations

Approximately 300 motorcycle spaces have been allocated in existing pay and display locations. The pilot project will focus on areas in the downtown core that were observed to have a significant number of motorcycles or scooters parked regularly.

Toronto Parking Authority staff will monitor the sites throughout the year to determine usage and compliance. The program will be evaluated over a one year period with final recommendations in the Fall of 2015.

The 30 locations selected for the pilot project are shown below and in the map provided. Details for each location can also be viewed by clicking on the 'List View' tab below.
 

Rocky

TRIBE Member
Rocky, how did you go riding in the U.K? I thought our Ontario licenses are no good for motorcycles there.

I lived in Wales for a while and am considering going back for a few weeks to get my license, buying a bike and leaving it at my Moms house so I can zip around Europe when I can get over there. Cheaper than renting, long-term and I can't be bothered to ship a bike like you did only for 2 week riding trips a few times a year. Insurance on bikes is pennies compared to the butt raping we experience in Ontario.
I cross from Calais to Dover and didn't have any questions about my licence. I had European Green Card insurance, which seemed to be fine. I don't even remember if they asked me for my Canadian licence, but there's a chance they did. I was more concerned about the fact the I was leaving The Schengen having entered illegally from Turkey into Greece (long story).

Shipping the bike cost me $2,000 total one way, so shipping both ways for a few weeks of riding wouldn't be worth it, for sure.

For a while, I was paying for both my Green Card Insurance and my insurance back home, in Canada, since I was not able to cancel my policy without a penalty. The insurance industry is a joke here. We should have a not-for-profit industry since it is deemed mandatory and essential.
 
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