- Oct 28, 2001
- 4,704
- 0
I don't know what you guys are paying for bike insurance, but I haven't been too happy about paying the MCCA surcharge on my dirt bike insurance. All I carry is fire and theft, and the bike is not street legal.
My premium is $137, and of that, $72 (53%!) is for the MCCA surcharge. The kicker is that the surcharge is going up to $100 per vehicle starting July 1, 2003.
After being told over and over again by my agent and Progressive that I must pay the MCCA surcharge, I called the Michigan Office of Financial and Insurance Services. They emphatically stated that in order for an insurance company to charge the MCCA fee, the insured vehicle must be 1) Street legal, and 2) Street licensed. If both of these stipulations are not met, then the insurance company cannot charge the MCCA fee.
So I requested a refund of $144 from Progressive. If they don't honor the request, the legal rep from the Michigan OFIS office said that her office would be more than happy to go after Progressive. "It's what we live for..." she said!
When checking your declarations page, the MCCA surcharge may be listed as a separate line item, or buried in with the premium coverage breakdown. Check with your agent if it is buried or unknown. The same amount is charged for each and every vehicle insured.
About The MCCA Surcharge
http://www.michigan.gov/cis/0,1607,7-154-10555-64138--,00.html
How To File An Insurance Complaint
http://www.michigan.gov/cis/0,1607,7-154-10555_12902_12907---,00.html
If you have a street legal bike AND have it street licensed, then you have to pay the MCCA charge. Otherwise get some money back and buy some new goodies for your bike!
:thumb:
My premium is $137, and of that, $72 (53%!) is for the MCCA surcharge. The kicker is that the surcharge is going up to $100 per vehicle starting July 1, 2003.
After being told over and over again by my agent and Progressive that I must pay the MCCA surcharge, I called the Michigan Office of Financial and Insurance Services. They emphatically stated that in order for an insurance company to charge the MCCA fee, the insured vehicle must be 1) Street legal, and 2) Street licensed. If both of these stipulations are not met, then the insurance company cannot charge the MCCA fee.
So I requested a refund of $144 from Progressive. If they don't honor the request, the legal rep from the Michigan OFIS office said that her office would be more than happy to go after Progressive. "It's what we live for..." she said!
When checking your declarations page, the MCCA surcharge may be listed as a separate line item, or buried in with the premium coverage breakdown. Check with your agent if it is buried or unknown. The same amount is charged for each and every vehicle insured.
About The MCCA Surcharge
http://www.michigan.gov/cis/0,1607,7-154-10555-64138--,00.html
How To File An Insurance Complaint
http://www.michigan.gov/cis/0,1607,7-154-10555_12902_12907---,00.html
If you have a street legal bike AND have it street licensed, then you have to pay the MCCA charge. Otherwise get some money back and buy some new goodies for your bike!
:thumb: