Motorcycles come with many more risks for riders compared to the average vehicles. Riding a motorcycle exposes drivers to the elements, and to on-road risks. Because of this exposure, a rider faces a much higher risk of personal injury should he or she have a wreck.
Liability and personal injury protection comes standard with most motorcycle insurance policies. If you get injured while riding your bike, your policy may cover some or all of the injury costs you face.
However, motorcycle insurance isn’t meant to be a protector for every injury. Your policy likely has a personal injury coverage limit. If your injuries cost more than this limit, you may have to still meet the additional medical costs. Furthermore, if you rode your bike negligently, you could face a claim denial because your actions contributed to the injuries.
When riding your bike, take proper safety precautions. Part of these precautions include utilizing proper safety gear when riding. This gear can reduce your risk of injuries on the bike.
Many states require all motorcycle riders to wear helmets when on their bikes. Others require only riders under a certain age to wear helmets. Some states don’t have any laws regarding motorcycle helmet rules.
If you don’t wear a helmet when riding your motorcycle, you risk severe head injuries if an accident occurs. Head, neck and brain injuries can be profoundly debilitating, if not deadly to victims. Furthermore, failure to wear a helmet in states requiring them can result in fines.
Most bike experts recommend that riders wear strong, durable footwear when riding. A strong shoe helps a rider maintain his or her grip on the pedals, bakes, and other systems of the bike.
Many motorcycles contain control systems on their handlebars. Not only are handlebars for steering, they may contain accelerators and gasoline systems.
Invest in riding gloves. These usually come with specially designed hand padding to help you grip the bars. They help you reduce the risk of losing your grip.
Motorcycle riders are aware of the risk for sunburn and frostbite. Both hot and cold weather can cause health effects on riders. Even the high winds on the roads can cause problems for the riders. A rider could easily suffer from shock or exposure if he or she doesn’t wear insulated clothing.
Wear insulated, but breathable material that won’t overheat your body or expose you to the cold. Long sleeves, long pants, and proper jackets can all provide protection. Many clothing lines offer special items for bikers.
Knee pads, shoulder pads, back braces and even athletic cups are often recommended for riders. They will protect extremities from excess damages should you experience an accident.
Different riders have choices when deciding what padding to use. Competitive bikers may use heavier protection, while pleasure riders may only use certain items for the biggest risks. With proper clothing, you can reduce your injury liabilities while riding your motorcycle.
Let Millers Insurance Agency get you the right motorcycle insurance for your location. We can also help you understand any local safety laws. Go online now for a free quote. Call us now at (610) 269-4500 for more information.