Make sure you have the right coverage for your motorcycle. Your options are listed below.
Liability Insurance – Required in all states. This protects third parties in case of bodily injury or property damage. You can also increase your liability coverage above the minimum insurance requirements to protect yourself against lawsuits. If you are found responsible for injuries or property damage, you will have to pay for it. If the bill is over your coverage amount, you will be responsible for the difference, so make sure you have the coverage you need!
In “No Fault” states, personal injury protection (PIP) is required on your insurance policy.
Collision Coverage – Covers the damage to your motorcycle if you are in an accident.
Comprehensive Coverage – Takes care of damage caused by theft, vandalism, hitting an animal, or damage caused by storms, fires, or other natural causes.
If you have financed your motorcycle the lender will require you to carry Comprehensive and Collision Coverage.
Safety Apparel Coverage – On a motorcycle, the only thing between you and the road is your riding gear. Invest in safety apparel you need to protect yourself, and check your policy – many motorcycle insurance policies cover the safety apparel.
Custom Equipment Insurance – Critical if you have added custom items to your motorcycle. Make sure you let your insurance agent know about your accessories and major upgrades. Many policies include custom equipment coverage, but your accessories will not be covered unless you inform your insurance company. Make sure your investment is protected.
Uninsured or Underinsured Motorist – coverage protects you if another person is at fault in an accident, and they don’t have enough or any insurance to pay related expenses.
Passenger Liability is crucial if you ever plan on having a passenger on your motorcycle. This coverage is required in some states, and you should strongly consider the coverage even if it is not required. This will protect your family and friends should they ride on your motorcycle.
Safety Helmet – Always wear a safety helmet.Your helmet should be DOT certified, fit well, and be comfortable. Consider a full coverage helmet. It protects your face in an accident, offers protection from wind and dust, and keeps bugs away from your face.
Sunglasses & Goggles – If you don’t get a full coverage helmet, at least consider motorcycle sunglasses and goggles to protect your eyes and your ability to see. Motorcycle glasses have a wrap-around design and foam padding to keep objects away from your eyes.
Jacket – A good motorcycle jacket will protect your arms, back, and chest. It is recommended to have a reflective jacket so that other drivers can see you more easily.
Pants – Although jeans are a common choice for motorcyclists, consider investing in chaps or riding pants whichprovide additional protection as well as warmth.
Boots – Motorcycle boots protect your feet and ankles. Look for comfortable boots with ankle protection, good rubber soles for traction, and thick soles to handle the motorcycle vibrations.
Gloves – Motorcycle gloves provide protection, increase handle traction, and are essential in inclement weather.
Drunk driving is always hazardous, but on a motorcycle, inhibited balance and coordination are even more dangerous. Not to mention, drunk driving is against the law. Don’t drive drunk!
Get Specialized Training
Complete a motorcycle training course. It will provide you with valuable information and teach you skills and techniques to keep your ride safe.
Ride as if you were invisible to other drivers. This is a main cause of motorcycle accidents.
Weather and road conditions that are mere inconveniences to a car driver can be deadly to a motorcyclist. Metal, oil, water and potholes can all cause problems. Rain is very problematic because it mixes with vehicleoil on the road, creating dangerously slick conditions. When driving your motorcycle in the rain, therefore, you must be extra vigilant. If you can delay your ride until the weather clears up, all the better.