Motorcycle Safety and Insurance Tips You Need To Know

ID-100313842Whether you are driving or a passenger on a motorcycle, there is something very special about hitting the open road on a beautiful day and taking in the sights and much more enjoyable to know that you are protected in case of an accident or theft.

In the state of Florida, Florida’s No-Fault or PIP law for insurance does not apply for motorcycles.

You must have insurance though to drive a motorcycle, but what type is required?

Property damage and bodily injury liability insurance is required and if your decision is to not want to wear a helmet, you must carry a minimum of $10,000 in medical insurance.

Without motorcycle insurance, you risk penalties such as,

Loss of License

Loss of Tag/Registration

Restitution for any damages you may cause in an accident

Three years of high risk SR22 mandatory liability insurance coverage
Not only are we talking high risk, we are also talking higher amounts of money coming out of your pocket.

Your Medical expenses

Damage to your motorcycle

Loss of income due to injury

when all this could be avoided.

Lets face it, you are taking a risk every time you get on a motorcycle. When an accident occurs, what is said from the other party’s involved in many causes is “I did not see them”, where did that motorcycle come from”? Rule of thumb. If you are driving a motorcycle, you need be on the lookout, don’t expect the other people on the road to look out for you.

In effect as of July 1, 2008 all first-time motorcycle license applicants must complete a Basic Riders Course to obtain their motorcycle endorsement.

Knowledge of your motorcycle, safety, and the rules of surviving on a motorcycle give you that much more of an edge. Bundle that with Insurance for protection in case anything happens and you can be riding with more comfort.

As much as people concentrate on the injuries, there is another form of insurance to consider when owning a motorcycle.

Theft Insurance

One of the biggest rackets out there is stealing motorcycles to strip them down and sell the parts.

Protect your investment and make you motorcycle less appealing to be stolen.

Lock it Up!

There are a large range of ways to lock up your ride.

Cable Locks

Pad Locks

Disk Locks

Ground Anchors and Wheel Clamps

Alarm System

Common Sense:

Just as when you were a kid with your bicycle, there are some of the same rules that apply with your motorcycle.

Always keep the ignition locked.

Lock up your ride with another motorcycle

Don’t take your eyes off your motorcycle, when traveling, riding around town, or at a friends house.

Always park your ride where you can see it.

Drive Safely and have fun!

Have Questions? Call us today to get your questions answered.

1-863-453-3903 (Call about our discount on motorcycle insurance for attending a riders course and more!)

or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

We find insurance that meets every budget!

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving All of Florida

 

Photo Courtesy of khunaspix. at FreeDigitalPhotos.net

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Motocross Dirt Bike Fun – Right Gear and Insurance

ID-100113339When choosing Insurance for your off-road motorcycle, you are providing both you and the bike a safety net just as important as the gear you are wearing. Dirt Bike/Motocross are for off-road fun. These bikes are designed for riding on unpaved ground or rough terrain and are not street legal.

A Helmet– This expense is crucial whether you are on road or off-road with your motorcycle.This your most valuable asset. When choosing a helmet make sure you pick quality, its fits properly and is secure every time you ride.

A Neck Brace– Just as important as the helmet. Your getting bumped and jostled just riding over the terrain. We never want to think we are going to go down, but in the event that this happens, with a neck brace, you have protection from serious injury.

Chest / Back Protector– There are many of these available and use of one is highly recommended as a chest / back protector (also advertised as a “Roost Deflector”) can help dissipate the energy generated in a crash and help protect internal organs and other body parts from impact damage when you end up in a yard sale.

Knee Braces– Excellent piece of protection. Everyone who rides a dirt bike should have Knee Braces. Every time you get on that dirt bike you should be wearing these for the same protection you would give to your head and chest.

Boots
– Protect your ankle and foot area, get a pair of good quality boots in place of a standard boot to offer that need protection to your lower leg.

Goggles– Lets face it, your going to be in dirt and mud that slings from other riders when you are competing. Your clear vision can mean a race and your safety. Suggestion: Tear Off goggles that can provide you with the clear vision you need.

Staying Hydrated – is a must and just a critical as the gear you are wearing.

Look into different systems that can carry fluids that are easy to consume.

Always follow the safety rules when riding Motocross/Dirt Bikes and make sure you have the right insurance coverage.

 

 

Photo Courtesy of Toa55. at FreeDigitalPhotos.net


Tips for Buying A Good Used Motorcycle

With gas prices going up, many people are leaving the car at home and opting for two wheel transportation such as scooters and motorcycles. In many area’s of the US it has come to the point for many that pulling out of the driveway just to go to work is costing more. If you are one of these people on the hunt for a good deal and reliable transportation but can’t afford to buy a new motorcycle then you need to inform yourself before you make a purchase.

What are you going to be comfortable driving? Just like a car or truck the same is for a motorcycle. Are you into big cars and trucks or do you like a sports car. With motorcycles the style and model are the same consideration. From Harley Davidson to Honda, Kawasaki, Yamaha etc, they may look the same to some, but each bike has its on unique design. For instance some Harley Davidson’s are better suited for traveling on the open road, and Kawasaki may offers bikes that are for every day use and going fast.

Just like a car or truck, maintenance is always needed along the way. Check the year and make of your potential choice of purchase and make sure parts are available. Buying an older bike may mean that parts are not as readily available. Antiques are great and sought after, but may be better used for bike shows and Sunday afternoon drives.

How much horsepower you need also means how much fuel you will require. The bigger the engine the more you can expect to spend at the pump. As well the faster the bike can go, there is also a chance your insurance will cost you more.

Check the mileage as you would when purchasing a 4 wheel vehicle. High mileage on a motorcycle is not such a big deal as on a car or truck. Your concern with high mileage on a motorcycle is that the bike has been maintained well for that mileage. Ask for proof of any repairs or add ons.

A bike that looks a little worn around the edges does not necessarily mean the engine is not is good condition. Ask how the motorcycle was housed. Has it been sitting outside with a cover or parked in a garage. Taking someone with you that knows motorcycles is a great idea. The sound of an engine can tell a story to someone who knows what to listen for.

Above all else, if you are going to purchase a new or used motorcycle make sure you know how to drive it. There are courses given all over the US and that investment is worth it for you and your life.

Call us today to get your questions answered. 863-453-3903

or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

We find insurance that meets every budget!
Ask us about deductibles as low as $100.00.

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving all of Florida


Why Have Scooter Insurance

With fuel prices going up and down, alternative ways to drive are getting more and more popular. I have a few friends that now take their motorcycle or scooters to work to save money during the week and why not!

Just as you would want to save money on fuel, saving money on insurance is just as important, every dollar counts these days. Scooter insurance is similar to motorcycle insurance and required in most states. Scooter insurance can protect you and your scooter if you were in an accident or a victim of theft. It can also be helpful if you are in an accident and the other party tries to sue you.

Your insurance coverage and price will greatly depend on the type of scooter or motorcycle you have. Motorcycles that are built for speed and racing will have higher rates then your family low speed motorcycle and scooters. High speed, mean high risk. The low speed means you can get affordable, quality coverage.

We have expert insurance agents that can help explain the type of coverage you need and make make sure you have the right amount of insurance coverage for the state of Florida. They will explain your policy to you in detail where it will be easy to understand.

Affordable motorcycle/scooter insurance rates are available now and you can get top quality coverage for less money at Budget Bi Rite. Call us today or fill out a form on our website to have an agent contact you within 24 hours. We find insurance that meets every budget!

Call us today to get your questions answered. 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

We find insurance that meets every budget!
Ask us about deductibles as low as $100.00
.

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving all of Florida


Motorcycle Safety – Helmet or No Helmet

Motorcycle helmet laws differ from state to state. Only twenty states and the District of Columbia have motorcycle helmet laws that require all riders to wear a helmet. Three states don’t have any helmet laws (Illinois, Iowa, and New Hampshire). Twenty-seven states have a motorcycle helmet law that only ssome riders to wear a helmet. All but one (Colorado) depend on the driver’s age. Colorado requires those under the age of 17 and younger including passengers.

If you are traveling across state lines, it is important to know the laws of each state. For safety concerns though, it is important to recognize the value of wearing a helmet. There have been several studies reviewing helmet use, injuries and fatalities as well as laws and helmet.

  • As states repeal helmet laws, fewer riders are wearing helmets. According to the National Occupant Protection Use Survey (NOPUS), conducted from the fall of 2000 to the summer of 2002, helmet use dropped from 71 percent to 58 percent nationally.
  • In 2006, 65% of fatally injured motorcycle riders were not wearing a helmet in states without all-rider helmet laws, compared with only 13% in states with all-rider helmet laws. (NHTSA, 2007)
  • Per vehicle miles traveled, motorcyclists are about 21 times as likely as passenger car occupants to die in a traffic crash and four times as likely to be injured. (NHTSA, 2001)
  • Helmets reduce the risk of death by 29% and are 67% effective in preventing brain injuries to motorcycle riders. (NHTSA, 2001)
  • Surveys have shown that helmet use is essentially 100% in places with all-rider motorcycle helmet laws compared to 34 to 54% at locations with no helmet laws or with age-specific helmet laws. All-rider laws significantly increase helmet use because they are easy to enforce due to the rider’s high visibility. (NHTSA, 2000)

If you look at it from the standpoint of a Motorcycle Insurance company, you can understand that accidents without helmets can cause significant injuries and even death, which can increase payouts.

No one wants to see anyone injured, let alone seriously injured because of an accident. If wearing a helmet and protective gear can prevent the injury from being much worse than when not wearing a helmet, it’s something to consider. Wearing a helmet can lower the cost of your Motorcycle Insurance premiums. Maybe that is enough to make you reconsider if you go helmet free?

Call us today to get your questions answered. 863-453-3903

or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

We find insurance that meets every budget!

Ashley Bishop Owner/Agent
Budget Bi Rite Insurance, Inc

Serving All of Florida