Whether 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.
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.
Ground Anchors and Wheel Clamps
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!)
When 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.
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