Many people dream of getting a motorcycle and many do make the plunge in the purchase. Some people try to stay on top of the latest and greatest and others just buy what they can afford and look cool, whatever your reason for buying a motorcycle there is a good chance that you should take into consideration when purchasing a motorcycle. Below are 15 safety tips for new or returning riders.
Motorists are everywhere these days and it is easy for anyone to become distracted while driving and of course an accident will probably occur sometime. Whether you are on your motorcycle commuting to work or going for a joy ride, anything can happen so it is best practice to be ready and have the right coverage so you can recover as fast as possible in case of the unthinkable from happening.
There are millions of drivers on the roads and while it is illegal to drive without insurance many still do decide to drive without it. That is why it is important that you choose the right coverage in case one of them ends up hitting you. In this post we are going to talk about 5 reasons you should have uninsured motorist coverage on your insurance policy.
1. About 20% of drivers are uninsured in California.
This means that 2 out of every ten drivers in California is not insured and the possibility of receiving anything from them, in the case of an accident, can all fall on you, from medical bills to totaling your vehicle or motorcycle.
2. Insufficient Insurance.
Minimum insurance liability limits can be controlled by the state but even those numbers won’t guarantee you’ll be fixed in a serious injury. In California the minimum limits for insurance is $15,000 per person, $40,000 for all persons involved, and $10,000 for property damage. That may be okay for a small collision but it is definitely not enough for a serious collision nor will it cover all the expenses of all the injuries and medical bills. Your car is probably worth more than $10,000 too.
3. You are not covered under Liability Insurance.
Your insurance policy will not protect you in a not-at-fault collision or accident where you have been injured.
4. It makes sense to be over protected than have regrets of being under protected in any case of an accident.
Uninsured/ Underinsured coverage is pretty affordable and can help you with accidents that are considered not-at-fault. You can even get coverage limits just as high as you are in the case of an accident that your at-fault.
Another good thing is that it will cover your family members or passengers that are riding with you and can also include loss of income for all your passengers or family members in the case of an accident.
5. With Uninsured Motorists Coverage you are safe even outside your car.
Imagine that you are in an accident in your friend’s car and an uninsured motorist is involved, you will be covered in that accident. Or even if you are walking or riding down the street and are hit by someone who does not have insurance, you are still covered by your UM/UIM insurance policy.
Be smart and protect yourself with some higher coverage. You won’t have much to lose in the long run and you can’t afford NOT to include it in your policy. You will be happier and more confident knowing that you will be covered in the case of a serious accident.
If you are ever in a serious accident seek medical help first and then call The Reinecke Law Firm for a free case evaluation at (800) 275-8326. You may be entitled to compensation for your injuries or property damages. The Reinecke Law Firm has helped thousands of motorcyclists in the state of California recover from motorcycle accidents. Do not hesitate to call immediately.
When it comes to numbers in fatal crashes and accidents on motorcycles and automobiles that alcohol or other drugs has a good chance of being involved in one of the parties. Nearly 40% of all vehicle fatalities is due to drugs or alcohol. Of all these accidents nearly all of them could have been avoided had they not been under-the-influence.
When someone is found guilty of being under-the-influence while driving or riding a motorcycle in California, their license is suspended for at least 6 months for the first offense. Many motorcyclists believe that they can justify that a motorcycle can not do as much damage as a car and that it shouldn’t or can’t be the same violation as a motorist. This is completely false. A motorcyclist would face the same punishment a motorist would had he been driving under-the-influence.
In Los Angeles County the court would also add an Ignition Interlock Devices or IID in their vehicle for at least 5 months after the suspension. These devices are installed for around $100-$150 and can cost $2.50 each day for operation. However, these devices are not designed to work on motorcycles, which can be a problem if your motorcycle is your only source of transportation.
Riding a scooter or a moped while impaired, you can still be charged with a criminal misdemeanor even though the device is not considered a “motor vehicle”.
If you have to drink, do it responsively and hang up the keys. Call a friend or a taxi to get you home safely or else it could end up being your last night out. Never drive or steer a motor vehicle if you are impaired from alcohol or drugs in your system.
If you are ever involved in an accident call The Reinecke Law Firm for a free case evaluation at (800) 275-8326. The Reinecke Law Firm has helped thousands of motorcyclists with their accidents and will help you the best they can to make a full recovery.
Congratulations on stepping up your game about thinking of buying a motorcycle. If this is your first, second, or third time buying a motorcycle there are things you need to watch out for. A price tag can tell you a lot about the past of the motorcycle you are looking at. Be sure to do some research and know the average cost of the motorcycle you are looking at. In your research you should look for problems or recalls, how much are others are selling their motorcycles for?, what upgrades have they done, if any? Normally when buying a used motorcycle the price is never fixed and can always be negotiated, even when buying at a dealership. Never buy a motorcycle without looking at it first, sometimes a motorcycle can have a good deal but it should be an indicator of a red flag.
It is always a good ideal to bring a friend or two when checking out a motorcycle to buy, especially if your friend is a mechanic. Two pairs of eyes can detect for more flaws and defects than if you were to do it alone. It is also safer to go with someone than going alone, especially if you don’t know the owner of the motorcycle. Also be sure that you have your motorcycle license with you at all times as it is against the law to ride a motorcycle without one.
- Check to make sure the paper work lines up with the motorcycle you are looking at. It is possible that the owner could have more than one motorcycle with multiple records, be sure they match the VIN numbers. Be sure to see that the title is clean and not rebuilt or salvaged.
- Look for cosmetic wear. Check the sides, fenders, handle bars, under the bike, and everywhere for scratches, dings, cracks, repaints, random welds, and other things that could indicate the bike’s use. Indications could mean the motorcycle was crashed, tipped over, dropped, or other abuse. Look for rust and scratches on the bodywork, tank and fenders.
- Put the motorcycle on a stand and check for any play, indicating worn bearings, in the steering head, front wheel and rear wheel. Although the parts might be inexpensive themselves the labor to have them replaced could be costly.
- Look for aftermarket parts. Although these parts could be better than the OEM, they could indicate signs of a crashed motorcycle.
- Check the oil and see how clean or dirty it is. Look for leaks around the pepcock, gas tank, transmission, floor, and engine. If they are all clean there is not a leak present.
- Check the tires for wear as they can tell you how much riding has been done on them. If they are bald consider paying a couple hundred dollars for new ones. Brakes that appear blue have been ridden hard and have lot of heat from excessive braking.
- Check the leaks in the front fork and rear fork, they should be clean of debris and dirt. A tiny amount of lube is okay but if the forks are runny with oil they will need to be serviced for replaced.
- Inspect the electrical systems such as the starter, horn, head lights, tail lights, blinkers, and brake lights to make sure they are all functioning properly.
- Ask the owner to not start the motorcycle until you go over to see it. This will be an indication that the bike might be difficult to start from a cold start or the motorcycle has not been started in a while if it does not start when you arrive.
- Start the motorcycle from a cold start and let it warm up, listen for strange or funny noises. Check for smoke coming out of the exhaust pipe as it could be a good indicator that there may be an internal leak or it could be burning too much oil.
- Once the motorcycle is warmed up take it for a test ride. Be sure to always wear a helmet. Shift through all the gears while riding, make sure the clutch works good and there is no slipping. When changing gears make sure the motorcycle shifts smoothly and not with any irregular noises or grinding. Test the front and back brakes to make sure they are in proper working order. Do not ride the motorcycle fast or hard as it could cause a crash leaving you to buy it in pieces.
- When everything checks out determine a price with the seller. Ask what price they are asking for the motorcycle as they may have changed it a few times since they have first posted it. Their response will normally be higher than what they are willing to let the motorcycle go for so be sure to offer a much lower price and barter up. If you don’t ask in the first place you may never know how much less you could have got it for.
- Sign the paperwork and pay up. Be sure that you fill out the paperwork properly so that you do not have to go back to the original owner to clear things up so that your registration process can go quickly and easily.
- Before registering the motorcycle you will need to purchase insurance. Shop around and ask for quotes from multiple insurance companies. When insuring a used motorcycle be sure that your Uninsured/ Under-insured Motorist Coverage is high as it will help you the most in a motorcycle accident where the one at fault can’t afford to recover your medical bills and payments. You would be better to pay an extra hundred dollars in insurance coverage in the beginning than to not have it and be in a serious accident and your insurance not be able to afford your bills, leaving you stranded with a large bill in the end.
- Buy the right gear. Never ride in short sleeves, whether that be pants or shirts. Always wear a helmet, wear thick jeans or leather pants as well as a leather jacket or a proper armored riding jacket. Wear gloves to protect your hands and wear a full faced helmet as often as possible.
After making your new purchase be sure to ride smart and safely. Motorcycles are full of fun and exciting times but they are still dangerous and can be fatal if ridden improperly and unsafely. We encourage all riders and drivers to look twice before turning and changing lanes.
If you are ever in a motorcycle accident contact The Reinecke Law Firm at (800) 275-8326 for a free case evaluation. The Reinecke Law Firm has been helping motorcyclists for over 30 years in the state of California. Tom Reinecke is an elite motorcycle lawyer that has settled millions of dollars for his clients. Call today with no obligations!