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Saturday, October 1, 2011

BMW G450X, 2011, Motor Vehicle Insurance and Lawyer Info


BMW G450X, 2011
USA MSRP: $8,200 - with additional racing silencer: $8,450 USD

  • Type Water-cooled, single-cylinder tilted forward, 4-stroke, four Titanium valves, two overhead camshafts, dry sump lubrication
  • Bore x stroke 98 mm x 59 mm
  • Capacity 449 cc
  • Rated output Homologated for road use: 41 hp (30 kW) at 7,000 rpm; open version (with standard silencer): 52 hp (38 kW) at 9,000 rpm
  • Max. torque Homologated for road use: 31.7 ft-lb (43 Nm) at 6,500 rpm; open version with standard silencer: 32.4 ft-lb (44 Nm) at 7,800 rpm
  • Compression ratio 12.0 :1
Mixture control / engine management Electronic intake pipe injection / Keihin digital engine management with overrun fuel cut-off
Emission control Closed-loop 3-way catalytic converter

Performance / fuel consumption
  • Maximum speed approx. 90 mph (145 km/h)
  • Fuel type Unleaded Premium
Electrical system
  • Alternator three-phase alternator 280 W
  • Battery 12 Volts 7 Amps/hour, maintenance free
Power transmission
  • Clutch Multiple-disc clutch in oil bath, mechanically operated; primary clutch (sits directly on the crankshaft)
  • Gearbox Constant mesh 5-speed gearbox integrated into crankcase
  • Drive O-ring chain
Chassis / brakes
  • Frame Bridge-type frame made of stainless steel tubing
  • Front wheel location / suspension UPSD fork 45 mm
  • Rear wheel location / suspension Direct Mounted Ohlins Shock
  • Suspension travel front / rear 11.8 inches / 12.6 inches
  • Wheelbase 58.0 inches (1475 mm)
  • Steering head angle 61.8°
  • Rim, front 1.60 x 21 wire spoke
  • Rim, rear 2.15 x 18 wire spoke
  • Tyres, front 90/90 x 21
  • Tyres, rear 140/80 x 18
  • Brake, front Brembo 2 piston floating caliper
  • Brake, rear Brembo single piston floating caliper
Dimensions / weights
  • Length 86.6 inches (2200 mm)
  • Width (incl. mirrors) 31.7 inches (806 mm)
  • Height (excl. mirrors) 58 inches (1475 mm)
  • Seat height, unladen weight 37.5 inches (955 mm)
  • Unladen weight, road ready, fully fuelled 1) 267 lbs. (121 kg) excluding accessories
  • Dry weight 2) 245 lbs. (111 kg) excluding accessories
  • Permitted total weight 617 lbs. (280 kg) GVWR
  • Payload (with standard equipment) 351 lbs. (159 kg)
  • Usable tank volume 1.8 US gallons (8 liters)
  • Reserve approx. 0.2 gallon (0.75 liter)
  • Technical data relate to the unladen weight (DIN)

Motor Vehicle Insurance for Small Businesses

Automobile insurance is a contract between a policyholder and an insurance company to cover losses arising out of the use and operation of the automobile. Many states require drivers to have automobile insurance. Even if not required, automobile insurance is necessary since the cost of some losses is likely to exceed the net worth of some individuals and businesses.

Automobile insurance may be purchased by an individual or a business. There are many different types of policies, and prospective policyholders may elect among a number of options. For example, a small business owner may choose to insure all vehicles owned by the business when the vehicles are being driven for business purposes and when the vehicles are being driven by company officers for any purpose.

Automobile insurance for a business considers four primary risks:
    Physical damage to your business's automobile or another person's automobile
    Liability for physical injuries to other persons
    The cost of your medical care if you are injured in an accident
    Attorney's fees if you are sued

Automobile insurance may cover each of these risks; the amount of coverage per claim depends on the dollar amount of the policy. Not having automobile insurance exposes you and your business to tremendous financial risks because of the high costs of property, medical care, and lawsuits.

No-Fault and Fault Systems

Each state has one of two kinds of automobile insurance systems:
    No-fault automobile insurance systems
    Fault automobile insurance systems

No-fault. In states with no fault automobile insurance systems, it doesn't matter who caused the accident. Each insurance company pays for the property damage and medical expenses of its policyholders according to the terms of the policy. If the property damage or medical injury is serious and expensive, the no-fault system may not apply and fault will have to be determined to identify the insurance company that is liable for the loss.

Fault. In states with fault automobile insurance systems, it does matter who caused the accident. Fault is either admitted or proved. Determining fault may involve a lawsuit. The insurance company of the at-fault driver pays the losses of the other driver. The insurance company of the at-fault driver also pays the losses of the at-fault driver according to the terms of the policy.

There are three major types of automobile insurance for a business: collision, liability, and medical expense.
Collision covers property damage to your business's car caused by an accident. It does not cover the other person's car.
Liability insurance covers property damage and personal injury to the other driver.
Medical insurance covers the cost of your personal injury. Your health insurance company also may cover the cost of your medical care resulting from an automobile accident.

Uninsured and Underinsured Motorists
Let's say you're in an accident and the other driver doesn't have insurance or is underinsured; that is, the insurance doesn't cover the amount of your losses. What happens?

If you are in a no-fault state, it doesn't matter so long as your insurance policy is adequate to pay for all losses. However, if your losses exceed the value of your policy, then you have a problem.

In an at-fault state, it creates a problem for the innocent driver. There are two ways to solve this problem:
    You can buy uninsured motorist coverage from your insurance company to guard against this risk. In this case, your insurance company covers your losses to the extent of the dollar amount of the policy.
    You can sue the uninsured or underinsured driver. This method assumes that the negligent driver has assets to cover the cost of the accident. It also involves the expense of hiring a lawyer and possibly going to trial.
If you have any legal questions about the automobile insurance policies for your business or if someone in your company has been in an accident in a company vehicle, contact a small business attorney in your area.

Questions for Your Attorney
    If I am a company executive and I was driving a company vehicle when I was involved in an automobile accident, can the automobile insurance policy which I have for my own vehicles be used to pay for property damage and medical expenses?
    Will the automobile insurance which I have for my business vehicles cover the damages caused by an employee who was driving a company vehicle for personal reasons?
    Am I legally required to purchase underinsured or uninsured motorist coverage for my business vehicles?


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