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Your Questions About Bike Insurance Online

April 8, 2013

Nancy asks…

Is it cost effective to replace the drivetrain on an older mountain bike?

I have at least 5000 miles on my well cared for Cannondale F900. All other components are in excellent shape.

I would appreciate some opinions on whether it makes sense to replace the drive train, or if I will get better VALUE buying a comparable new bike.
EDIT: Cables and chain are newer and probably salvageable… so everything else in this case including the derailleur…

Administrator answers:

I’d replace what you need to in the drivetrain and keep the bike going….as long as you still like the bike and the rest of the components. You can buy a cassette, rings, and a chain for as little as $100 if you shop smart…..$150 to $200 if you buy better parts at normal retail. You can even find package deals with the derailleur, chain, and cassette for good prices online.

If you’ve ridden that bike very hard or had some tumbling crashes, then you might consider a new bike (or just a frame). Lots of bikes can go forever and never fail, but with hard use and aluminum frames, it makes sense to replace them after several years… insurance when compared with medical bills. :o )

Mary asks…

What are the specific laws regarding roadway easements in the state of Washington?

Are owners with roadway easements (private roads) crossing their property able to restrict legitimate use of these roads? I wish to obtain access to a national park and bike trail near my home, but I am finding that most of my neighbors who have roads that cross this trail have resisted my using these roads to gain access with my bicycle. Can the easements associated with these roads be found in public records, such as the assessor’s report? Where would I find the state regulations that address roadway easements?

Administrator answers:

At the state legislature, revised statutes
Revised Code of Washington (RCW)Last Update: December 10, 2009

The Revised Code of Washington (RCW) is the compilation of all permanent laws now in force. It is a collection of Session Laws (enacted by the Legislature, and signed by the Governor, or enacted via the initiative process), arranged by topic, with amendments added and repealed laws removed. It does not include temporary laws such as appropriations acts. The official version of the RCW is published by the Statute Law Committee and the Code Reviser.

The online version of the RCW is updated twice a year, once in the early fall following the legislative session, and again at the end of the year if a ballot measure that changes the law passed at the general election.
There are several ways to find RCWs. Please see the links and information below:
2009 RCW Supplement – Access the statutes affected by 2009 legislation
RCW Dispositions
Search RCWs

If you know the full or partial citation, type it in the field below or choose from the generated list and click the Go button.

RCWs by Title
Titles PrefaceTitle 1General provisions
Title 2Courts of record
Title 3District courts — courts of limited jurisdiction
Title 4Civil procedure
Title 5Evidence
Title 6Enforcement of judgments
Title 7Special proceedings and actions
Title 8Eminent domain
Title 9Crimes and punishments
Title 9AWashington criminal code
Title 10Criminal procedure
Title 11Probate and trust law
Title 12District courts — civil procedure
Title 13Juvenile courts and juvenile offenders
Title 14Aeronautics
Title 15Agriculture and marketing
Title 16Animals and livestock (formerly: animals, estrays, brands, and fences)
Title 17Weeds, rodents, and pests
Title 18Businesses and professions
Title 19Business regulations — miscellaneous
Title 20Commission merchants — agricultural products
Title 21Securities and investments
Title 22Warehousing and deposits
Title 23Corporations and associations (profit) (business corporation act: see title 23b rcw)
Title 23BWashington business corporation act
Title 24Corporations and associations (nonprofit)
Title 25Partnerships
Title 26Domestic relations
Title 27Libraries, museums, and historical activities
Title 28ACommon school provisions
Title 28BHigher education
Title 28CVocational education
Title 29AElections
Title 30Banks and trust companies
Title 31Miscellaneous loan agencies
Title 32Mutual savings banks
Title 33Savings and loan associations
Title 34Administrative law
Title 35Cities and towns
Title 35AOptional municipal code
Title 36Counties
Title 37Federal areas — indians
Title 38Militia and military affairs
Title 39Public contracts and indebtedness
Title 40Public documents, records, and publications
Title 41Public employment, civil service, and pensions
Title 42Public officers and agencies
Title 43State government — executive
Title 44State government — legislative
Title 46Motor vehicles
Title 47Public highways and transportation
Title 48Insurance
Title 49Labor regulations
Title 50Unemployment compensation
Title 51Industrial insurance
Title 52Fire protection districts
Title 53Port districts
Title 54Public utility districts
Title 55Sanitary districts
Title 57Water-sewer districts
Title 58Boundaries and plats
Title 59Landlord and tenant
Title 60Liens
Title 61Mortgages, deeds of trust, and real estate contracts
Title 62AUniform commercial code
Title 63Personal property
Title 64Real property and conveyances
Title 65Recording, registration, and legal publication
Title 66Alcoholic beverage control
Title 67Sports and recreation — convention facilities
Title 68Cemeteries, morgues, and human remains
Title 69Food, drugs, cosmetics, and poisons
Title 70Public health and safety
Title 71Mental illness
Title 71ADevelopmental disabilities
Title 72State institutions
Title 73Veterans and veterans’ affairs
Title 74Public assistance
Title 76Forests and forest products
Title 77Fish and wildlife (formerly: game and game fish)
Title 78Mines, minerals, and petroleum
Title 79Public lands
Title 79APublic recreational lands
Title 80Public utilities
Title 81Transportation
Title 82Excise taxes
Title 83Estate taxation
Title 84Property taxes
Title 85Diking and drainage
Title 86Flood control
Title 87Irrigation
Title 88Navigation and harbor improvements
Title 89Reclamation, soil conservation, and land settlement
Title 90Water rights — environment
Title 91Waterways

Donald asks…

How much does motorcycle insurance cost?

Im planning on purchasing an ’08 kawasaki ninja 250 for college but I am doing so without my parents approval which means i have to pay for everything (bummer!) But I was wondering how much typical insurance would be for a bike like this???

Administrator answers:

Haha, no parents approval! Too familiar a story!

Here is the tip on insurance. Most companies (like Gaico, which I have for my bike) offer free quotes online. Hence, even if you don’t have a bike, you can go and fill one out (with the name/year of the bike you want) and see what it will give you. Motorcycle Safety course reduces the cost of insurance.

250cc ninja is a great bike. The insurance on those is isually fairly low, since insurance is basically cc dependednt. However, since 08 has the new (sportbike) styling, i believe insurace would be higher.

Good luck.

Mark asks…

Can a lie about having historical plates for cheaper insurance?

When trying to get a quote from progressive online, it asks whether the motorcycle is registered as a historical vehicle. If I click yes the insurance is 50% cheaper than normal. Can I just click yes and buy then insurance, then register my bike? I don’t have much money, and I only want to ride it for 2 months before I move.

Administrator answers:

You can but you’d be paying for nothing as you wouldn’t be insured…,…

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