Motorcycles On My Mind – Part One


By Kelly Lyttle

I love springtime in Texas. I love all the beautiful wildflowers, the warmer weather, and the sound of the motorcycles heading out on a picture perfect early morning ride towards the central Texas hill country. As you’re riding down the open winding road thinking about the beauty of the scenery in front of you, we’re thinking about your safety and your insurance coverage to protect what matters most — you and your motorcycle.

I often hear from my riding friends, “It’s not me I’m worried about. It’s the other drivers on the road I’m worried about!” I worry about that, too. Studies from the Motorcycle Safety Foundation (MSF) show that motorcycle fatalities rose 10% per year from 1997 to 2009. When motorcyclists were surveyed regarding near miss accidents, the highest percentages of near crashes were due to another driver and vehicle: Changing lanes into the motorcyclist’s path or lane (30%), pulling out or “cutting off” the motorcyclist (12%), or the vehicle ahead slowing or suddenly stopping (8%). MSF used this research to develop rider safety courses for all motorcycle rider levels. The courses provide riders with the skills to improve their perception and hazard awareness, crash avoidance skills, and braking and cornering finesse. All of which is proactive training to prepare you for the unexpected so you can enjoy your ride!

As I read through some of the safety tips provided by some of our Motorcycle Insurance companies, I assumed most riders know guidelines for rider safety such as wearing proper safety gear (most importantly a helmet), wearing reflective clothing, making sure you’re visible to others, staying alert, and always carrying emergency gear and a flashlight in case of mechanical problems at night.

What if you’re injured due to a motorcycle accident? What if you’re injured by one of the estimated 10% of uninsured motorists driving in Texas or injured by an accident that you caused? Being out on the open road is fun, but a motorcycle provides little protection for you when the vehicles around you are much larger. Typical injuries from motorcycle accidents include abrasions, broken bones, traumatic brain injury, and disablement or death. Wearing the proper safety gear is essential to your protection to lessen the risk of serious injury. A quick internet search for “motorcycle safety full gear versus fool’s gear” will provide you with great tips for many more safe and enjoyable rides for years to come.

I picture my customers being safe on the road and ask myself, “Do they understand how this is covered on their insurance policy?” I care about you and the financial investment you made in your bike. It’s all these things we want to protect in the unfortunate event of an accident. In part 2 of this blog, I’ll discuss some coverage tips and available discounts for you and your motorcycle. We love to focus on your coverage so you can focus on your rejuvenating ride.

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