TUESDAY, APRIL 19, 2022
Perhaps you have planned on buying a motorcycle for a long time. As a first time biker, there are many things you need to do to ensure your safety on the road.
Biking comes with risks that are different from those that come with a standard vehicle. Therefore, before you become a new rider, you need to take steps to take care of yourself. Doing so will protect your liability risks down the road.
1. Have the proper licensing
You often have to get a special drivers license to operate a motorcycle. Each state has different rules about how you obtain a license to operate a motorcycle.
Generally, you have to pass a motorcycle knowledge test and operating test to get certification to operate a bike. These tests prove to your local authorities that you have the ability to safely operate these bikes.
2. Get the correct insurance
Motorcycle insurance is a totally different type of coverage than standard car insurance. You should not attempt to put a motorcycle on your regular auto insurance policy. Doing so is likely illegal and won’t provide enough coverage for the bike.
Bikes and bikers face unique insurance risks. Motorcycle insurance policies come with unique amounts of liability and damage coverage. These may be higher than those on the standard car policy. The unique levels help better cater to owners’ needs.
Talk to your insurance agent about the different motorcycle insurance options available. You may need to buy certain minimum levels of insurance to comply with local insurance law. Furthermore, because you are a new biker, you will likely need higher coverage levels at first. You may be able to reduce these coverage levels as you become more experienced.
3. Invest in Training and Safety
If you’re a first time rider, you need to learn how to safely and efficiently operate a motorcycle. Motorcycles require specialized training compared to the average four-wheeled vehicle. Bikes require much more physical attention, including balance and control practice. That’s why you need special licensing to operate these vehicles.
Furthermore, as a biker, you expose yourself to more risks when you ride. Motorcycles are open-air vehicles. Therefore, they pose a greater personal injury threat to riders.
While most motorcycle insurance comes with high personal injury coverage, the rider still must look out for his or her own safety. Before you start to ride your bike, use all necessary safety equipment. You always need a helmet, but you can also employ pads, gloves and other protective equipment. In that regard, you can better protect yourself from injury risks.
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It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional
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