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[QUOTE="Magoo, post: 576177, member: 16296"] Smit Dog, I'm not sure you even got the "right answer" from OFIS! From the Michigan Insurance Code, I dont think "motorcycles," regardless of liscensing and street legal, are subject to the No-Fault Act (thus MCCA) at all! As copied from the Act (with my highligting of text from [url]http://www.michiganlegislature.org/mileg.asp?page=getObject&objName=mcl-500-3101&highlight=[/url]): 500.3101 Security for payment of benefits required; period security required to be in effect; deletion of coverages; definitions; policy of insurance or other method of providing security; filing proof of security; “insurer” defined. Sec. 3101. (1) The owner or registrant of a [B]motor vehicle [/B] required to be registered in this state shall maintain security for payment of benefits under personal protection insurance, property protection insurance, and residual liability insurance. Security shall only be required to be in effect during the period the motor vehicle is driven or moved upon a highway. Notwithstanding any other provision in this act, an insurer that has issued an automobile insurance policy on a motor vehicle that is not driven or moved upon a highway may allow the insured owner or registrant of the motor vehicle to delete a portion of the coverages under the policy and maintain the comprehensive coverage portion of the policy in effect. (2) As used in this chapter: (a) “Automobile insurance” means that term as defined in section 2102. (b) “Highway” means that term as defined in section 20 of the Michigan vehicle code, Act No. 300 of the Public Acts of 1949, being section 257.20 of the Michigan Compiled Laws. (c) [B]“Motorcycle” [/B] means a vehicle having a saddle or seat for the use of the rider, designed to travel on not more than 3 wheels in contact with the ground, which is equipped with a motor that exceeds 50 cubic centimeters piston displacement. The wheels on any attachment to the vehicle shall not be considered as wheels in contact with the ground. Motorcycle does not include a moped, as defined in section 32b of the Michigan vehicle code, Act No. 300 of the Public Acts of 1949, being section 257.32b of the Michigan Compiled Laws. (blah, blah, blah... AND) (e) [B]“Motor vehicle”[/B] means a vehicle, including a trailer, operated or designed for operation upon a public highway by power other than muscular power which has more than 2 wheels. [B]Motor vehicle does not include a motorcycle[/B] or a moped, as defined in section 32b of Act No. 300 of the Public Acts of 1949, being section 257.32b of the Michigan Compiled Laws. Motor vehicle does not include a farm tractor or other implement of husbandry which is not subject to the registration requirements of the Michigan vehicle code pursuant to section 216 of the Michigan vehicle code, Act No. 300 of the Public Acts of 1949, being section 257.216 of the Michigan Compiled Laws. I've argued this quite a bit with companies (not just Progressive), but to no avail. AND, the State is two-faced on this as well; if you have a street-bike, just try to get your plate without your "Evidence of No-Fault Insurance!" FWIW, as an option, I'd see about adding the bike to your Homeowners... many companies will do this. All you need is Liability and Comprehensive anyway. I will say Progressive is a GOOD company, they just have a different interpretation of MCCA than we'd like. A vast majority of companies charge MCCA on bikes, so no reason to only pick on Progressive! (Maybe a class action suit...? ;)) [/QUOTE]
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