Welcome to Motorcycles Guide
Victory Junction Motorcycle Ride 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
Victory Junction Motorcycle Ride News
Team Myers Wins Drift BigM Superbike Super Celebrity Mega Kart Showdon At ... - RoadracingWorld.com
 RoadracingWorld.com | Team Myers Wins Drift BigM Superbike Super Celebrity Mega Kart Showdon At ... RoadracingWorld.com Kyle Perry of the Utah Air National Guard and fan Ryan Bergeson of Grand Junction, Colo., won today's Second Annual DRIFT BigM Superbike Super Celebrity Mega Kart Showdown at Miller Motorsports Park. The win by Team Myers was a shock victory, ... |
Petty, Walker ride to raise money for sick children - Chicago Tribune
 KRQE | Petty, Walker ride to raise money for sick children Chicago Tribune The motorcycle does all the work. I just hold on." Petty, the former NASCAR driver and current analyst, uses the charity ride to raise money for Victory Junction, the North Carolina retreat he founded for children with chronic and serious illnesses. Herschel Walker, Kyle Petty ride into Lubbock |
Kyle Petty's Charity Ride Ends In Victory – Again - RacinToday.com
 RacinToday.com | Kyle Petty's Charity Ride Ends In Victory – Again RacinToday.com Since 1995, more than 7000 riders have logged 10.1-million cumulative miles and donated more than $14.5-million to benefit Victory Junction Gang Camp and other charities that support chronically ill children. Victory Junction was founded by Kyle and ... |
Kyle Petty's charity ride stops in Fallon - Lahontan Valley News
KRQE | Kyle Petty's charity ride stops in Fallon Lahontan Valley News By Steve Puterski For information about Victory Junction, the charity ride or to donate, visit www.victoryjunction.com or www.kylepettycharityride.com. In addition, individuals can text RIDE to 27722 to submit a donation. Former NFL star Herschel ... The Kyle Petty Charity Ride Shifts Into Top Gear Kyle Petty Charity Ride stops in Willits BRIEF: Kyle Petty Charity Ride Closes I-25 and I-40 |
NASCAR fans greet motorcyclists - Delta County Independent
 Delta County Independent | NASCAR fans greet motorcyclists Delta County Independent Kyle Petty is also retired as a NASCAR Sprint Cup driver, but he lends his support to a charity ride that raises funds and awareness for Victory Junction, a camp created to benefit children with chronic or life-threatening illnesses. |
Kyle Petty Charity Ride to stop in Albuquerque - Bizjournals.com
Kyle Petty Charity Ride to stop in Albuquerque Bizjournals.com Motorcyclists will arrive between 6 and 6:30 pm at the Marriott Uptown Hotel near Louisiana Boulevard and Interstate 40. The public is invited to the meet-and-greet event. The ride raises funds for Victory Junction, founded by the Petty family for ... |
Petty On Darlington - "Love the People, Hate the Track" - WLTX.com
 WLTX.com | Petty On Darlington - "Love the People, Hate the Track" WLTX.com He also has made an impact in the community with the creation of the Victory Junction Gang Camp for terminally ill children. That facility was created to keep the memory of Kyle's son alive. Adam Petty was just 19 years old when he was killed in 2000 ... |