Saving Money on Insurance: Now vs. Later (Getting Real Serious Now - Part II)

"Get a quote in just 15 minutes or less."
"Save up to 50% with Motorcycle Insurance discounts..."
"Cheap Rates as low as $9 a month."

That's just the first three descriptions that came up when I googled "motorcycle insurance." Save, save, save. Save money now, and quickly too. Why would they want to do that?

Left: Tooter's Street Glide after the accident. Right: Tooter with Adam of #ScootinAmerica

"The NY State Trooper who responded to her accident showed up at the hospital and gave her a ticket for failing to signal!"

In Part I we talked about how states determine what class vehicle your motorcycle fits in. In New York motorcycles are considered recreational vehicles because we use them about six months out of the year. And because of that, motorcycle insurance is very different than auto insurance - what you're covered for in your car isn't automatically covered on your bike.

(I'll just remind everyone that I'm not an insurance agent or broker, nor am I an attorney of any type. I'm just someone who has seen a few things while working at FX Caprara Harley-Davidson.)

So, back to the question: Why are insurance companies in such a hurry to save you money? Shouldn't they be trying to save money themselves? After all they are a "for profit" industry that makes Billions in revenue every year (yes, Billions with a capitol "B").... How do they do that by saving you money on your insurance premiums?? Things that make you go, "hhhmmmmm....."

Of course any business wants to control their expenses as best they can so they can make money. And THE biggest expense for an insurance company is paying claims, so they'll want to keep those down by paying the least possible.

"But my insurance agent is a nice person! S/He always shows me ways to save and says I'm fully covered." Are you signing their paycheck? No! Plus, what exactly is their definition of "fully covered"?? Because if it's the bare minimum the state requires under the law, it isn't designed to help or protect you at all. Let's add in the fact that there is no law saying they have to disclose everything to you at point of sale (unlike a doctor, lawyer or real estate agent). 

Show and Tell Time: This my friend Diane - aka Tooter - from Minnesota. This is what her bike looks like now.... thanks to being rear-ended by a semi-truck on the interstate. She's been in hospital close to two months after getting a life-flight. She has a broken collar bone, had a collapsed lung, has a few rib fractures, a broken left leg, and a gash that nearly took her leg off completely. 

Tooter is on the mend, but it's been a long, slow road. She has had to endure numerous surgeries to try and close her leg wound -yeah, it's that deep. Intensive care round the clock. And now she's getting physical therapy while still in hospital. The goal of her doctors is to get her mostly healed so that she can get home and be under the care of her local doctor. There's still no idea as to when that'll be.

"motorcycle insurance is very different than auto insurance - what you're covered for in your car isn't automatically covered on your bike"

Since the accident, Tooter has received bills for her life-flight and has even gotten a letter from New York State. They said if they find any damages to the road that were from the truck hitting her they'll may send her a bill. Nice (not).

And all this is after the fact that the NY State Trooper who responded to her accident showed up at the hospital and gave her a ticket for failing to signal! Keep in mind the trooper didn't actually witness Tooter's accident - he's just basing the traffic violation on the word of the trucker who hit her.... Yeah, I'm sure he's going to be completely unbiased.

Recap: Biker hit from behind by a semi-truck. Trucker says Biker is at fault and Police give Biker the ticket. State says they might send her a bill for road damage. One Life-Flight, nearly two months of intensive, round-the-clock care, numerous surgeries and physical therapy visits later.... Bonus: Biker is hundreds of miles away from her home, work, family and friends. What's the real cost??

Fortunately, in addition to increasing the right parts of her motorcycle insurance policy, Tooter has already hired legal representation. However, that's going to cost money as well, and it's far from being over. For me and Tooter's other friends & family, we're just thankful she's still with us and on the road to recovery - that was a close one!

Any help you can give would be greatly appreciated!

Here's Tooter's Go Fund Me page ~ thank you so very much!!

On to Part III

Sometimes something small can make all the difference.....

The Black River in the autumn morning - the water is warmer than the air.

So it was a sunny but chilly Sunday morning as I rode with two other guys, on our way to meet #ScootinAmerica. It was 37.8 degrees and the main thing you have to remember: when you're riding a motorcycle, whatever the temperature is, take 20 degrees off of that for the wind chill. If you don't believe me, check this out.

L to R: my bike, Lionel & his bike, Mark's bike & Mark

And as I'm riding along, freezing my patukas off, I'm thinking to myself, "Why am I doing this??!!" Of course I'm layered up - thermals, jeans, wool socks, wind-proof liner, leather chaps & jacket, waterproof gloves, and my 3/4 helmet - but I'm still cold and it feels like I've got nails being hammered into the ends of my fingers.... 

Me, Adam & Scooter

But then I remembered that Adam & Scooter have been riding for nearly two years, crossing the country six times, and has ridden in weather much worse, all while raising money for veterans and their families. (Read why I was excited to meet these two here.)

I'm just riding a short ways and the weather forecast says it'll get warmer - guess I better put on my big girl panties and suck it up. And even though my riding this short distance to ride with #ScootinAmerica may not seem like much, meeting these two did make a positive difference in my day. Hopefully my presence did the same for them. 

Just like I'm not a mechanic nor do I carry any tools with me

A tiny yet powerful tool

on my bike, I still stop for fellow bikers stuck on the side of the road because that's what bikers do. Earlier this year I stopped for a friend who had a clogged fuel line, and was trying to clear it. As I watched him work I remembered a paperclip I had with some of my paperwork. I unfolded it and we used it to eliminate the obstruction - bingo!!!

At FXCHD we raised just over $200 for #ScootinAmerica -

Dan holding #ScootinAmerica's donation jar while
I put money into it.

not the big donation I was hoping to give to them, but better than nothing to be sure. Again, it might not seem like much but maybe it'll be enough (when added to the other funds Adam has raised) to reach their goal. After all, every bit counts.

Sometimes it's like that - you don't think you'll make that big of a difference, but then you do! Or that someone else, doing what they do, will make a difference. Maybe their presence and/or actions aren't a big deal to you but they just might be to someone else. 

d

The Dalai Lama

Remember what the Dalai Lama said: "If you think you're too small to make a difference, try sleeping with a mosquito." 

A motorcycle might not seem like a big deal, but I invite you to take a small ride with me, through a small town and cross over the Black River on my Youtube channel. I'm hoping that this small slice out of my ride home will make you smile.

It ain't over till the Salt hits the Asphalt!!!

Season Wheel - Autumn next up!

As the new autumn season begins, I've heard a few people say that the riding season is over. Over??? There's still plenty of great riding to be done!! 

Of course I am a realest: I know that as the days get shorter and the temperatures drop, Old Man Winter is not far behind. And, according to the latest Farmer's Almanac, Winter is coming back with a vengeance. Well that just tells me that I've got to take advantage of all the Fall Riding I can.... And I'm not the only one.

Magazine cover featuring
Adam & Scooter

If you haven't yet met Adam & Scooter of #ScootinAmerica, please allow me to introduce you to them. The team of two have traversed the lower 48 five times, raising "over $200,000 to our military." And soon this dynamic duo are making their way - finally - to FXCHD!! (The were scheduled to visit in the Fall of 2015 but the weather closed in, then again earlier this summer but that was postponed due to an accident.)

Our U.S. Military Men & Women - This is something near & dear to my heart! I grew up an Air Force brat, and then met & married my husband who then enlisted in the US Army, Infantry. He spent 18 years as an Infantry Soldier and went on six 'real world' deployments during that time (Bosnia, Kosovo, Afghanistan twice and Iraq twice). He was medically discharged from Fort Drum (home of the 10th Mountain Division) three years ago. The post is practically in our backyard and about one-third of our customers at FX Caprara Harley-Davidson are here because of the military.

My husband (in the middle) on his second trip to Iraq

Fort Drum is located in Northern NY State

According to the VA my husband is 90% disabled - although he was lucky enough not to suffer an amputation or TBI. Despite my husband's injuries and ongoing medical problems, he will be the last one to ask for help. He'd rather see those soldiers who are more deserving get the care they need first - which is how many of these guys feel (at least with my experience)! It then falls to the family member(s) caring for these wounded warriors to ask for assistance. 

So in a sense, #ScootinAmerica is riding for me. A man whom I have yet to meet in person has dedicated himself these last two years to help raise money for veterans and veteran organizations. A

Scooter, Adam and their ride,War Horse

man who hasn't served in the military, but has ridden over 100,000 miles to give back to men & women he hasn't met. And he's got some miles left to go (check their Facebook Page and see where #ScootinAmerica has been) Some people would say that's crazy, but I say Adam & Scooter embody everything about being a Biker is about.

I'm looking forward to meeting #ScootinAmerica in person (and maybe even riding with them for a bit if I can get out of work!! lol)! And when I do they'll be getting a big "THANK YOU!" from me!! Especially since my son is now a Marine about to go off on his second deployment. 

My son (on the left) & friend at the Marine Corp Ball