Frequently Asked Questions

Whether or not you are required to wear a helmet depends on where you live. Every state has its own rules around the subject of motorcycles and helmets. Every biker should wear a helmet – it is the single best protective gear you can wear while riding your bike.  This will protect you against other drivers and ensure your safety.

It’s vitally important to never operate any mode of transport when you’ve been drinking or getting high. As a rule, you are much more exposed to serious injuries on a motorcycle, so always use your motorcycle when sober. Always drive defensively: Never assume another driver has seen you. Ride with your headlights on and constantly scan the area for any impeding danger. Make sure your bike is in good shape by using a worry-free maintenance checklist before you ride.

To keep your motorcycle from being stolen, always keep the ignition and handlebars/forks locked, secure it to a fixed object, use a high-quality lock and chain and park in well-lit areas. The best financial protection if your motorcycle is stolen is comprehensive coverage. This type of insurance can be purchased separately or as part of a full coverage package. It will pay the actual cash value minus your deductible if your bike is stolen.

Before taking a long ride on your motorcycle, make sure you understand the laws of the states you will ride through on your trip. For example, understand the helmet laws in each state. Take breaks as necessary and don’t leave your bike unattended for long periods of time. Have a clear understanding of the different types of motorcycle insurance and pick the best coverage plan for you.

Trailers that haul motorcycles are typically covered under a car insurance policy, but you should speak to your agent about what kind of protection you need for your motorcycle while it is being trailered.

In most cases, anyone who rides your bike with the correct license and permission should be covered if they get into an accident.

The coverage for other riders depends on the specific policy you choose. If you opt for the minimum liability coverage, it is possible that other riders may not be included. The coverage may also vary based on whether the other rider was a passenger while you were operating the motorcycle or if they operated it themselves. To obtain a clear answer, it is recommended to speak with an insurance agent and ensure that other riders are included in your coverage.

While it’s possible, it’s not advisable. Even in the presence of significant snowfall, the risk of theft or fire damaging your motorcycle or garage remains. Moreover, you would miss out on enjoying a beautiful day that eventually comes along.