and in typical GEICO fashion- they will price the non profitable/loss prone right out of interest, in order to protect the profit; as your own post proved-it really isnt a profitable class of business if they dont ditch their insureds at a certain rate, then it does, in fact become a loss. It is not a winning bid.

You may ask-well how do they do this, since it is illegal to raise a customer's rates to recoup funds lost on a claim? Well, you create a company that is really several companies in one-so certain customers fit into different "parts" of the same company, based on certain criteria. So, lets say you get a claim with GEICO-well, upon renewal, your rates go up. Isnt that illegal? Yes. Wait, what's this? The fine print says i now am insured with a different company, doing business as GEICO. So, I no longer qualified for the company is was in (which had great rates) because of a claim, now I am with a different company, which is also GEICO, but not the same GEICO i was just in, which has higher rates. So, my rate went up, but only because i am now with a "different" GEICO-it's enough to make your headspin.


Also, comparing a general "power sports" segment doesnt work, as ATV/Boats are frequently actually covered under a homeowners policy...

My guess is you work in customer service, claims filing/data entry or something like that, all opinions aside, the loss threshold is $500, and they dont waste all those fraud auditors' time investigating a few hundred bucks. Also, there isnt a claims adjuster in the business that wouldnt love to see an at-fault, car vs motorcycle claim disappear for $184. Remember what the bottom of the check says..."full and final payment"

if you arent at fault, there's no deductible, the at fault insurer pays