Welcome to Motorcycles Guide
Motorcycle Jacket Parts Accessories 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
Motorcycle Jacket Parts Accessories News
Motorcycles Weren't Dangerous Enough - PR Web (press release)
 PR Web (press release) | Motorcycles Weren't Dangerous Enough PR Web (press release) Fox Creek Leather, a premier manufacturer of leather motorcycle jackets in the Blue Ridge Mountains of Virginia, has expanded to include western horse tack and accessories. There is no helmet law for horseback riding in Virginia – yet. |
Bike parts auction after shop closure - This is Staffordshire
Bike parts auction after shop closure This is Staffordshire HUNDREDS of motorbike parts and accessories have been auctioned off following the collapse of a 94-year-old business. The parts, clothing and accessories from Norman Bassett, in Shelton, were sold yesterday at the Butters John Bee (BJB) sale rooms in ... |
Moose Racing New Product: Fork Saver - Motor Sports Newswire (press release)
Moose Racing New Product: Fork Saver Motor Sports Newswire (press release) The Fork Saver is now available from your local Parts Unlimited dealer. To find a dealer near you or to check out other new products from Moose Racing, please visit MooseRacing.com As the industry leader in motorcycle/ATV parts and accessories, ... |
Wedding cake toppers that take the cake - al.com
 al.com | Wedding cake toppers that take the cake al.com By Chanda Temple -- The Birmingham News One way he does that is with the hand-painted porcelain wedding cake toppers his Canada-based wedding accessories company, Weddingstar, offers. Some are the traditional bride and groom, standing up straight and ... |
Get your motor runnin' - Suffolk News-Herald
Get your motor runnin' Suffolk News-Herald With a fluffy, uneven mustache that's headed from blonde to gray, along with his thin goatee and long, scraggly hair, he'd probably look like like the prototypical biker even if he were dressed in a suit and tie. Add the black leather skullcap, ... |
Accessories Watch | The Season's Must-Have Scarves - New York Times (blog)
Accessories Watch | The Season's Must-Have Scarves New York Times (blog) The models Daria Strokous, Ruby Aldridge and Natasha Poly have all been spotted wearing their motorcycle jackets with loosely knotted scarves at the neck. “You can pair a scarf with every look and personality,” says the stylist Marina Muñoz, ... |
ABATE motorcycle show features more than parts - Journal and Courier
ABATE motorcycle show features more than parts Journal and Courier Organized by ABATE Region 4, the event was a one-stop shop for motorcycle parts and rider accessories. It also provided entertainment for riders of all skill levels with a bike show, a tattoo competition, food and a kids racetrack. |