Does anyone know of a link where I can find Combined Loss Ratios of motorcycle insurers? Yes I know it's proprietary, but I'm sure something is published somewhere.

Also, if I hop the way-back machine to the 1990s, more companies had combined auto-motorcycle coverage (single policy) then the industry moved to seperate policies and auto only/motorcycle only coverage. Does anyone have a historical perspective on this? I'm interested in the why aspect.

I think you'll have to pull the SEC filings for different carriers and combine them yourselves - but I doubt that the motorcycle loss ratios are seperated from the auto.

Your BEST bet, I'm guessing, is to try your state insurance department, the division where the carriers file their rates.

Chubb still, to the best of my knowledge, will combine the auto with the motorcycle coverage in most states.

One reason for the seperation, is that many states have changed the laws to allow medical payments EXCLUDED for the driver of a motorcycle, but not the riders. Because of the policy wording change, it means you can't combine autos and motorcycles.

There is a definate pattern difference in losses for bikes vs. cars - with cars, you have higher liability and property damage losses. With bikes, you have low pd and bi claims, but really, really high um/uim and first party benefits claims (not to mention, most of the accidents are NOT the fault of the bike).

So I'd imagine that has something to do with it, also, but can't quite tie it together with my toddler singing in the backround . . .