Tag Archives: Motorcycle Insurance

Summer Motorcycle Safety

Protecting Your Noggin

Helmet and gloves hanging from handle bars

I remember getting the opportunity to ride on the back of my grandpa’s motorcycle for the first time as a child. Traveling quickly and close to the ground without any walls or doors was such an exhilarating experience! I also remember the helmet that squished my cheeks right into my nose and eyes. At the time, I just giggled because I felt like a chipmunk, but now I understand better. That helmet was not suitable for the size of my head (which has always been pretty large) and wouldn’t have protected me as well in an accident.…

Protecting Your Noggin

Helmet and gloves hanging from handle bars

I remember getting the opportunity to ride on the back of my grandpa’s motorcycle for the first time as a child. Traveling quickly and close to the ground without any walls or doors was such an exhilarating experience! I also remember the helmet that squished my cheeks right into my nose and eyes. At the time, I just giggled because I felt like a chipmunk, but now I understand better. That helmet was not suitable for the size of my head (which has always been pretty large) and wouldn’t have protected me as well in an accident.

Motorcycle helmets come in many different shapes and sizes because everyone has a unique noggin. Whether you like to hit the road with a sport bike or cruiser, scooter or moped; taking care of the most delicate part of your body is an essential part of preparation. Here’s a list of four things to consider when purchasing a DOT approved helmet:

But wait, what’s a DOT approved helmet?

I’m so glad you asked! According to Leather Up, the Department of Transportation (DOT) assesses each helmet by placing it on a head form that’s equipped with sensors. The helmeted head form is then dropped from a specific height onto a steel anvil, and the severity of the impact is recorded. These standards are important because they outline the minimum requirements all motorcycle helmets must meet, which has already saved countless lives. However, if you would like to get a helmet that has been tested impartially and will provide more protection, SNELL has you covered.

 

    1. Type of bike

      Adventure touring? Cruiser? Sport bike? Generally, adventure bikers prefer using modular helmets which allow you to raise the face shield, while cruiser riders enjoy a half-shell helmet and sport bike riders like a full face helmet that will provide great all-around protection.

According to the CDC, more than 41% of operator and passenger fatalities could have been prevented with proper helmet usage.

  1. Size/Shape of head

    There’s more to a properly-fitted helmet than just one that can slide onto your head! Check out this article from Helmet Check for an in-depth description on how to determine your head shape, size, and preference.

  2. Helmet features

    It’s important to find a properly-fitted helmet so the three to four pounds of weight are distributed evenly around your head and shoulders to reduce neck strain. Consider also whether you would like additional features like integrated sunshade, wind reduction, and communication technology.

  3. Price

    How much are you willing to pay? Generally speaking, price does not necessarily reflect quality or safety, but rather the materials used and the number of features. Good helmets can range anywhere between $40 and $900, so make sure you budget accordingly.

No matter what helmet you decide to wear, make sure you are wearing one, because your safety is number one!

Motorcycle Insurance for Reckless driving
Motorcycle Insurance for Reckless driving

MOTORCYCLE SAFETY

Motorcycle Insurance

While Denver’s recent blizzard did not bode well for motorcyclists, the city’s 70 degree days will soon return, and with it, motorcycle riding season. When the snow clears and the streets are dry, will you be ready with the proper coverage to get back on your bike?

Regardless if you are a new rider or you’ve been cruising for years, it is important to make sure you have the insurance you need. What’s protected? Do you need liability insurance? Will damages to your bike be covered?

Here are a few tips to help you feel confident in your …

Motorcycle Insurance

While Denver’s recent blizzard did not bode well for motorcyclists, the city’s 70 degree days will soon return, and with it, motorcycle riding season. When the snow clears and the streets are dry, will you be ready with the proper coverage to get back on your bike?

Regardless if you are a new rider or you’ve been cruising for years, it is important to make sure you have the insurance you need. What’s protected? Do you need liability insurance? Will damages to your bike be covered?

Here are a few tips to help you feel confident in your insurance decision and make those long rides much more enjoyable.

Choosing Your Coverage:Motorcycle Insurance for Reckless driving

  • Depending on the state in which you live, you may be required to have liability insurance. This would cover you if your motorcycle caused a wreck resulting in injuries or property damage for another driver. Insurance Town & Country can help you determines the requirements for Colorado drivers.
  • The liability limit chosen should be similar to that of your motorcycle insurance, allowing for like deductibles and a maximum amount the insurance company will pay.
  • In addition to liability limits, you may need to include Collision and Comprehensive coverage. This will help protect your motorcycle in the event of an accident with another vehicle or incidents like fire and theft.
  • Make sure your deductible is an amount that you can afford.

Motorcycle Insurance for Custom Parts

  • Make note of any custom work or additional accessories that you have added to your bike. You’ll want to make sure that your motorcycle insurance includes these items in your coverage.

Roadside Assistance

  • Insurance Town & Country can help you determine whether or not this assistance is needed. If long rides are your thing, it might nice to have that extra help in your back pocket, just in case!

Call Insurance Town & Country today and speak with one of our insurance professionals. We can offer more tips and help ensure you have coverage for life on the road! We have offices in Denver (303-388-7216) and Castle Rock (303-688-1251).  Call us today to schedule your consultation!

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