What type of coverage do you need?

May is motorcycle safety month!


Orlando, FL  5/2/2017 11:08:30 AM—Perhaps you feel extremely confident and a skilled biker, if that is your case it works on your behalf. Having the proper training to manage dangerous conditions and having the latest safety features on your motorcycle is your best plan to make sure you come back home safe and sound.

To that effect, please allows us to recommend you a phenomenal way to assess your proficiency level and perhaps reinforce or improve those areas where you feel less confident with visiting--http://www.msf-usa.org/students.aspx#brc-lw.The Motorcycle Safety Foundation® is the internationally recognized developer of the comprehensive, research-based, Rider Education and Training System (RETS). RETS curricula promotes lifelong-learning for motorcyclists and continuous professional development for certified RiderCoaches(SM) and other trainers. It is a national, not-for-profit organization sponsored by BMW, BRP, Harley-Davidson, Honda, Kawasaki, KTM, Piaggio, Polaris Motorcycles, Suzuki, Triumph and Yamaha.

While there is proof that wearing helmets save lives, believe it or not, in Florida, driving a motorcycle after the age of 20 years old without a helmet is not against the law.

 According to the National Highway Traffic Safety Administration, in 2015 motorcycle helmets saved 1,772 lives) helmets are estimated to be 37 percent effective in preventing fatal injuries for motorcycle riders (operators) and 41 percent effective for motorcycle passengers.

On the good side, according to NHTSA’s 2016 National Occupant Protection Use Survey, motorcycle helmet use was 65.3 percent in June 2016, compared with 60.7 percent in 2015. 

It sounds more like common sense, that whenever you ride on two wheels instead of four, your chances to have an accident may increase and for the same reason, protecting your body, especially your head should be your top priority.

But risks are not limited to your personal safety and accidents, your precious wheels most probably will also be attractive to thieves.

The National Insurance Crime Bureau (NICB) reported that motorcycle thefts rose 6 percent in 2015 based on data from the National Crime Information Center of the FBI. However, motorcycle thefts are down 32 percent from 2006 when they totaled 66,774, according to the NICB. According the the NICB’s report more motorcycles are stolen during warm months—July and August had the most motorcycle thefts in 2015 while January and February had the fewest. The top five makes stolen in 2015, from highest to lowest, were American Honda Motor Co., Yamaha Motor Corporation, American Suzuki Motor Corporation, Kawasaki Motors Corp. and Harley-Davidson Inc.

California had the most motorcycle thefts in 2015, followed by Florida and Texas
. As shown below.  

Finding the right insurance policy for your motorcycle is pretty much like choosing the best motorcycle itself. You want it to fit your needs and lifestyle, but most importantly, it must also fit your budget.

A few aspects you must consider while searching for the right insurance coverage include:

Liability coverage

Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn't cover you or your motorcycle. Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle. 

Collision coverage

Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.

Comprehensive coverage

Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. Like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.

Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your motorcycle. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers or sidecars, consider additional equipment coverage.

Uninsured/underinsured motorist coverage

Uninsured/underinsured Motorist (UM/UIM) coverage covers damages to you and/or your property caused by another driver who either doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured).

This coverage typically pays for medical treatment, lost wages and other damages. In some cases your Uninsured Motorist/Under Insured Motorist coverage includes property damage.

Our insurance experts at Orlando Insurance Center  will show you the right options to protect your bike within your established budget, lifestyle and priorities, no matter what kind of ride you own.


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