Welcome to Motorcycles Guide
2006 Yamaha Motorcycle Article
. For a permanent link to this article, or to bookmark it for further reading, click here.
Motorcycle Insurance
from: JG MashinoChoosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Always ask your insurance agent or company representative which laws apply in your state.
In order to find out what coverage is best for you, it is important to understand all the options available.
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. Whether or not this is included depends on the laws of your state and the company issuing the policy.
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. However, just 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, you should look into obtaining additional or optional equipment coverage.
Uninsured/underinsured motorist coverage
Uninsured/underinsured Motorist Coverage covers damages to you and your property caused by another driver who either doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured) to cover your damages.
This coverage typically pays for medical treatment, lost wages and other damages. If your uninsured/underinsured motorist coverage includes property damage, then your motorcycle would also be covered under the same circumstances. Check with your insurance professional to see if property damage is included or needs to be purchased separately.
Tips for the cost-conscious rider
Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.
Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It’s also a good idea for cyclists who have already had accidents.
Maintaining a good driving record with no violations will also help reduce your premiums.
In many northern states, riders may save money by buying a "lay-up" policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you’re a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.
Choose the agent or company that's right for you. If you already have auto insurance, you can contact the same insurer. Otherwise, ask friends, relatives and co-workers where they bought their auto or motorcycle insurance. Your local motorcycle shop may have a company they refer customers to. Or you can check local motorcycle magazines and newspapers for insurance professionals advertising motorcycle insurance.
Source - Insurance Information Institute at www.iii.org
2006 Yamaha Motorcycle News
Wewoka man dies in two-vehicle collision - Shawnee News Star
Wewoka man dies in two-vehicle collision Shawnee News Star State Trooper Jason Richardson identified the victim as Jim Edward McNeil, 55, who was driver of a 2006 Yamaha motorcycle. According to the trooper's report, McNeil was transported by Eagle Medi-Flight to OU Medical Center with head, trunk and external ... |
AMA Pro Road Racing Brings the Battle to Miller Motorsports Park - WhoWon.com
 Ultimate MotorCycling | News and Reviews | AMA Pro Road Racing Brings the Battle to Miller Motorsports Park WhoWon.com Last year's third-place finisher at Miller, Travis Ohge (Meen Motorsports/ Graves Motorsports Yamaha) is back with a new team in 2012. Several Motorcycle-Superstore.com SuperSport East Division riders are likely to challenge for wins in Utah but won't ... AMA SBK: Heavyweight Battle Heads To Utah |
Motorcyclist injured in crash - Lincoln Journal Star
Motorcyclist injured in crash Lincoln Journal Star A 27-year-old motorcycle rider is in critical condition after slamming into a pickup Friday morning in Porter Ridge. The rider was headed west on Grainger Parkway near South 30th Street at about 12:05 am when he lost control of his red 2006 Yamaha XVS ... |
City and Region news briefs - GoErie.com
City and Region news briefs GoErie.com Erie police continued their investigation Monday into a Sunday night motorcycle crash that caused the death of a Millcreek Township man. Thomas E. Wolf II was driving a 2006 Yamaha motorcycle south on the Bayfront Parkway when the motorcycle struck two ... |
Casey Stoner - A Personal Appreciation - MotorcycleUSA.com
Casey Stoner - A Personal Appreciation MotorcycleUSA.com Our Memorable Motorcycles expert, Frank Melling also is the organizer of the British vintage motorcycle extravaganza known as Thundersprint. If you get passed on the track by a beautiful Matchless G.50 - you just met Frank. Casey Stoner announced that ... |
Luxury car mover has seen, driven it all - Ultimate Katy
Luxury car mover has seen, driven it all Ultimate Katy Wells has also been a professional motorcycle racer and semi-professional barefoot Zooming at 165 mph down the straightaway at the Texas World Speedway in a gray 2011 Lamborghini Gallardo several weeks ago was the most fun Katy resident Steven Wells ... |
Man Fires Shot in South Tulsa Convenience Store - KTUL (blog)
Man Fires Shot in South Tulsa Convenience Store KTUL (blog) The Copeland Classic benefit ride began at 9:00 am Saturday at the Tulsa Police TrainingMore >> A man is dead following a motorcycle collision Saturday morning. 55-year-old Jim Edward McNeil of Wewoka was riding a 2006 Yamaha motorcycle westbound on ... |