Average price of motorcycle insurance Sometimes Nothing… | Motorcycles catalog with specifications, pictures, ratings, reviews and discusssions

Average price of motorcycle insurance Sometimes Nothing…

17 May 2015 | Author: | Comments Off on Average price of motorcycle insurance Sometimes Nothing…
Acabion GTBO 55

Want To Thoroughly Test An Electric Motorcycle? Hand It Over the Coppers

Electric motorcycle manufacturer, Brammo Inc.. wants to know how much abuse their forward-looking electric machines can take. So what are they doing to find out? Looking for police departments to beat the living snot out of them.

In the past, the standard choice of a motorcycle for American police departments was a large, heavy machine. The most popular among those options was typically a Harley-Davidson, a big Kawasaki or even, in some cases, big Moto Guzzi bikes.

But now, in response to the cost of maintaining and feeding fossil-fueled bikes, the Fort Collins, Colo. PD motorcycle division have just begun a month-long examination of Brammo’s Enertia Plus LE motorcycle.

“As we look to maximize fuel efficiency and green technology, it made sense to conduct a trial of Brammo’s all-electric motorcycle,” said Captain Jim Szakmeister, department spokesman.

Greg Lemhouse, Global Fleet Director for Brammo, said Colorado State University campus police also plan to test the Enertia Plus.

“We believe in our product and technology,” Lemhouse said. “Once a government agency has the opportunity to use it, they’ll see how it will benefit them.”

According to Lemhouse, Harvard University and Providence College (along with police units in Newark and Kansas City) also plan trials. At this point, Brammo motorcycles are currently in use by the Hong Kong police.

The Fort Collins Police now operate a seven-motorcycle fleet of Harley-Davidson Ultra Classic Electra Glides and Kawasaki Concours bikes.

The police versions of the Enertia Plus LE models are equipped with emergency lights and other accessories which will allow Fort Collins police to use them in a variety of patrol details.

“There’s a range difference and a different feel when you’re putting the pedal to the metal,” said Matt Johnson of the Fort Collins police. “You get used to the traditional gas engine response, and there’s a much different sensation with this.”

Johnson said he fully expects the Brammo bikes in the trials to be pressed beyond the current single-charge range of 100 miles.

“It’s not uncommon for them to ride quite a distance during the day,” Johnson said.

Enertia Plus Specifications

Battery 6.0 kWh Lithium Ion

Avg. Range* 80-100 miles on a single charge

Weight 324 lbs

72-volt DC motor

Top speed – 63 mph

Motorcycle Insurance Is Your Shield Against a Cold, Hard World

Driving an uninsured vehicle in the United States is punishable by – depending on where you live – anything from a relatively small fine to a nice little jolt in prison. In some states, if you can’t prove that you have insurance if you’re pulled over by the police, you might get your license revoked – immediately – without further adieu.

All that is bad news, but riding without insurance can cause you some serious pain above and beyond legal problems. If you’re the cause of an accident where someone is injured, and you don’t have an insurance company backing you, the injured party or their insurer may sue you personally for damages.

Could you pay a fork over to the tune of $100,000 in hospital bills out of your pocket? Well, if you can’t and you find yourself in that unenviable position, the parties involved might just decide to make a run at all your assets, like say, your house, in an effort to recover damages. And it’s well within their legal rights to do it…

If you ride a motorcycle, you need insurance. Period. If you have it, your insurer will be the target of any lawsuit and not you.

Every state requires you to prove that you have at least a minimum amount of motorcycle insurance, and think of it this way, it’s for your protection as much as for the protection of others.

What Motorcycle Insurance Does

Motorcycle insurance, also called liability insurance, acts as a financial buffer between you and the hard, cold world if you’re involved in a traffic accident or if your bike is stolen or damaged. Your policy is a contract between you and your insurance company, and here’s the gist of the contract: You agree to pay regular monthly or an annual premium, and the insurance company will pay for any losses that are covered by that policy should they occur.

The policy you take out is specific to the vehicle for which it was written, and you can’t transfer it to another vehicle or to another person. Depending on the coverage you select, your policy will protect you in these types of situations:

If your motorcycle is stolen or totaled in a wreck, the insurance company will reimburse you for the cost of the vehicle.

If you motorcycle is damaged in an accident, the cost of repairs will be paid by your insurance company.

If you’re involved in an accident and injure someone else, the legal damages you’re liable for (including the victim’s medical bills if there are any) will be taken care of by your motorcycle insurance provider.

Insurance Plans

The most common types of insurance coverage are liability, collision and comprehensive, medical, personal injury protection (PIP), uninsured and underinsured motorists coverage, and “no fault” coverage if you live in a state which has this type of insurance laws like Michigan.

Some companies give you a discount if you insure both your home and motorcycle with them, so keep that in mind when you’re shopping for the best rates.

What Influences Insurance Rates

Insurance premiums are higher than average for male riders under age 25 and females under age 21, and it’s pretty easy to understand why. Statistically, riders in those age groups are involved in the highest number of accidents. If you’re already past your prime, like me, you should be aware that discounts are available for riders over the age of 50. What else helps you save money?

An accident-free driving record will reduce your premiums, and you can get a discount if you insure two or more bikes with the same provider.

Antitheft devices such as alarms or ignition locks fitted to your motorcycle can also reduce your premiums, because they’re likely to reduce the risk of your bike being stolen, and insurance companies are all about managing risk.

What can really cause you to be a bad risk, and therefore cost you more money in premiums? The age of other licensed drivers and riders who live in your household can impact your rates.  Teenage drivers and riders hanging around the house makes insurers jumpy, and a single conviction for a criminal driving offense such as a DUI or DWI can double or triple your premiums – for many years down the road.

Whether you ride a sport bike or an American cruiser, your insurance needs can get complicated.

Tips for buying your motorcycle insurance, coverage

you need:

Collision to pay for damage caused to your vehicle in an accident with anothervehicle or any stationary object.

Comprehensive to cover such things as fire, hail, wind, vandalism, hitting ananimal, etc.

Towing / Pickup

Medical payment or personal injury protection to cover the medical bills resulting from an accident.

Uninsured or underinsured motorist to protect us when the other driver is at-fault and does not have coverage or assets out of which your bills can be paid.

Knowledge Is Power – It Will Get Increasingly More Dangerous to Ride Your Bike So Know the Score

Do the right thing; educate and protect yourself and your family from an unfortunate incident and take the time to enroll in a rider safety course.

This infographic ought to provide you with some food for thought when it comes to making clear-headed decisions about the risks you face riding your motorcycle – or for that matter driving your car – on the world’s roadways.

You’ll be safer out on the road and you’ll have the tools to make the best decisions you can when it comes to riding sensibly.

EMBED THE IMAGE BELOW ON YOUR SITE

Whether you ride a sport bike or an American cruiser, your insurance needs can get complicated.

Tips for buying your motorcycle insurance, coverage you need:

Collision to pay for damage caused to your vehicle in an accident with another vehicle or any stationary object.

Comprehensive to cover such things as fire, hail, wind, vandalism, hitting an animal, etc.

Towing / Pickup

Medical payment or personal injury protection to cover the medical bills resulting from an accident.

Uninsured or underinsured motorist to protect us when the other driver is at-fault and does not have coverage or assets out of which your bills can be paid.

Will Michigan Changes the Rules in the Middle of the Game? No Fault Insurance Laws Under Fire For Motorcyclists

Motorcycle insurance costs are rising dramatically, and in Michigan, residents pay far more than motorists in nearby states. Michigan riders have had the luxury since 1973 of having unlimited medical coverage as a result of the No Fault Insurance Law, but the chickens may be coming home to roost, as it were, and those days might be quickly relegated to the past.

In cases where a catastrophic injury leaves a motorcyclist with a lifelong disability, the unlimited coverage is a blessing, but if Rep. Pete Lund, R-Shelby Township, has his way, all that will change.

Lund introduced a bill on Sept. 14 of this year to change the medical coverage provisions of No Fault Insurance.

The new law would provide insured motorists with a minimum of $250,000 medical coverage, but if you don’t have coverage? Bikers would have an option, but the option would be to buy additional medical coverage of $500,000, $1 million or $5 million.

If you’ve ever taken a spill on your bike (or had problems with your appendix) which resulted in a hospital stay of any length, you know how fast the bills add up. I recently spoke to a friend whose three-day hospital stay totaled $20,000 – and still counting…

The costs of this additional coverage is still to be determined, but you can bet your saddlebags and their contents that it won’t be cheap.

As it is, motorcyclists in Michigan already pay an average annual premium of $1,035, and that’s according to to the National Association of Insurance Commissioners .

How, you ask, does that compare with neighboring states? Yearly costs of $693 in Ohio; $700 in Indiana, $798 in Illinois and $641 in Wisconsin mean Michigan residents are paying a serious premium to live in the Great Lakes State.

Representatives of the nonprofit Insurance Institute of Michigan say insurers are currently facing payouts of $74 billion in long-term medical liabilities for accident victims who’ve suffered a catastrophic injury, and that’s a serious pile of cash.It’s expected that Michigan will see rate increases doubling in less than 10 years.

Proponents believe limited medical coverage under Lund’s measure will help alleviate rising costs, and they may be right, but where does that leave riders?

It likely leaves them out in the cold.

Either way, changing the law would be a gamble, and gambling is illegal in Michigan.

Whether you ride a sport bike or an American cruiser, your insurance needs can get complicated.

Tips for buying your motorcycle insurance, coverage you need:

Collision to pay for damage caused to your vehicle in an accident with another vehicle or any stationary object.

Comprehensive to cover such things as fire, hail, wind, vandalism, hitting an animal, etc.

Towing / Pickup


Medical payment or personal injury protection to cover the medical bills resulting from an accident.

Uninsured or underinsured motorist to protect us when the other driver is at-fault and does not have coverage or assets out of which your bills can be paid.

Nevada Cops Sued Over Helmet Law Enforcement

A dozen bikers have sued Clark County, Nev. over enforcement of the state’s helmet law, and the group is seeking class action status for their case.

In a suit was filed this week in U.S. District Court against the county – and five cities within Clark County: Las Vegas, North Las Vegas, Henderson, Mesquite and Boulder City, the plaintiffs say helmet law enforcement efforts violate their Fourth Amendment protections from illegal search and seizure, according to the case cited in the Las Vegas Sun

“Defendants, through their agents, have an ongoing pattern and practice of issuing helmet tickets to the class members that are not supported by constitutionally sufficient probable cause, thereby violating the civil rights of the class members,” claims the suit, filed by Las Vegas attorney Travis Barrick.

Previous efforts to repeal Nevada’s helmet law, which was originally enacted in 1972,  have failed, but ff the court certifies the class action status of the suit, it could include more than 40,000 motorcycle riders in Clark County and pose a serious threat to the current helmet law in the state.

Motorcycle Helmet Law Facts ( From A Report Generated by Adam Fitzwater and Hadley Perry )

Motorcycle Fatality Rates

Common sense would seem to dictate that of riders did not wear helmets than more riders would be killed, causing fatality rates to increase. This, however, is not exactly true according to recent evidence. States with no helmet laws actually have a fatality rate lower than that of states with mandatory helmet laws.

There are several reasons for this. Firstly, states with voluntary helmet laws as a whole have better rider education programs and better-prepared riders. This education leads to better decisions made by the riders that in turn, reduce accidents and fatalities.

The second reason for this fact is the increased number of registrations translated to more bikes on the road. There are in fact more fatalities as a whole, but when compared to the number of registrations, the fatalities per rider are actually less.

The following tables from the Motorcycle Industry Council show that the states with voluntary helmet laws actually do have fewer fatalities per accident, and fewer accidents per motorcycles registered in 1993.

Summary of 1993 State Motorcycle Accident Statistics

Registrations Reported Accidents Fatalities Accidents per 10,000 registrations Fatalities per 100 accidents

Mandatory Helmet Use 2,352,293 52,270 1,557 222.21 2.98

Voluntary Helmet Use 1,497,923 29,062 844 194.02 2.90

Total 3,850,216 81,332 2,401 211.24 2.95

Summary of 1993 State Motorcycle Accident Statistics as a Percentage.

Registrations Reported Accidents Fatalities

Mandatory Helmet Use 61% 64% 65%

Voluntary Helmet Use 39% 36% 35%

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