Category Archives: MotorCycle

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 (Get More Information about our discount on motorcycle insurance for attending a riders course and more!)

 

 

 

 

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