Companies that have recreational products divisions often offer extras at little or no charge at all. Accessories coverage is a great example. Most companies will offer $3000 to $5000 worth of accessories coverage at no extra cost. You have to ask your motorcycle insurance agent what the accessories coverage freebee is. What does it cover? Bags, screens, chrome, exhaust, your fuel-injection upgrade, seats, custom paint - name it and chances are it can qualify. This includes suspension upgrades.
But as technology continues to advance the progress of society, it also is advancing the state of the art of rider safety. New technologies in motorcycles are designed to keep us from crashing in the first place, while the latest in protective riding gear mitigates injuries suffered during a crash.
Unless you’re a professional or amateur motorcycle racer, or are otherwise ultra-conscious of your bike’s tires, a safe guess says that round and black is most of what many motorcyclists know – or care to know – about the tires mounted to the wheels of their trusty two-wheeled steed.
Last summer we ran our Motorcycle Beginner series to illustrate the process of how to get started as a rider. With yours truly as the test subject, we went shopping for riding gear, passed (eventually!) a qualified rider training program, examined the process of selecting a first motorcycle and provided a newbie’s perspective of Honda’s entry-level CBR250R.
Although this unpopular proverb carries the danger of alienating prospective motorcyclists, I argue that if a person is so easily freaked out, they most likely do not possess the mental fortitude to correctly react when presented with a hazardous situation, and therefore should not be riding a motorcycle in the first place.
Here we’ll break down a few different motorcycles based on experience levels and type of usage. We’re keeping this list limited to current models, but there are a plethora of motorcycles from yesteryear that shouldn’t be overlooked. Later we’ll discuss the ongoing progression of technology in motorcycling, specifically in the form of rider aids.
To anyone who may have heard loud hooting and hollering coming from a flying black rocket on the Don Valley Parkway south of Queen St. this morning, I’m sorry. I’m pretty sure no one could hear the gleeful cheering through my helmet or above the wind noise, but if you did, I apologize.
Insurance is Vegas without showgirls, was my reply. You pay into the premium, but you are betting on not wrecking or having a claim of any type. The funny thing is that there is a no lose in a sense here. If you pay and make no claim, the house wins (the underwriters in this case). If you have a claim, you win and the house loses. It makes sense doesnt it?
Uninsured motorist places the value on you. The Good Hands people sell higher limits using the analogy of Why would you protect your assets but not consider yourself your greatest asset? Its a good selling technique. In the auto world of insurance, the cost of the UM (uninsured motorist) coverage is not usually that high. Its the exact opposite in the motorcycle world. The odds are simply not with riders, and the underwriters know it. Thats why uninsured motorist coverage has become one of the highest costs within the components of the policy. So, cost is absolutely a factor when dealing with UM coverage.
In the previous installment of this series, we delved into delivering a better understanding of the Bodily Injury coverage and what it does. More importantly, I want you to understand how your assets are exposed in the event its your fault. Unless you are between the ages of 18 years old and 30 years old and your only asset is your bike, you are really taking your (and your familys) chances by buying the minimum liability coverage. If you can afford higher limits, buy them.
Please understand that due to the nature of the subject and the fact that every state has slightly different liability insurance laws, you must afford me a certain amount of flexibility in my explanations. For specifics as they apply to you, consult with your local agents, brokers or direct insurer.
“Group riding” is actually a catchall term. More specifically, are you and a few friends planning a day trip on your cruisers or a mixture of bike types? Are you and some friends heading across country? Are you and 11 other strangers riding a guided tour through new environs? Are you and some buddies and your hot sportbikes going out to look for some fun?
As it is, some riders avoid the night because unless extra steps are taken, it is usually harder to see and be seen. What’s more, in many regions splattering bugs can be an issue, as can deer or other nocturnal animals. And if you crash in the middle of nowhere, well, that could be a bad scenario, no doubt.