Riding Home for the 115th Family Reunion

This month I'll be riding out with members of our Northern New York Harley Owners Group, taking our two-wheeled 'wagons' and heading West. Because the HQ of Harley-Davidson is in Milwaukee, Wisconsin, and this is their 115th Anniversary Paaaaarty.

It's going to be my first 'Family Reunion' of sorts, and the first time I've ridden my motorcycle this far - I'm so excited!!! I'm hoping that I'll actually follow my own advice that I recently blogged about: THE List of What & How to Pack and Battle Biker Fatigue (but I'm not making any promises!!).

Of the nine Bikers riding with me, some I've known only a couple of months, others a couple of years, and one going on 25 years (hi honey! 😉) -and all I feel close to because we share the same passion for a life on two wheels.

I just read how scientists have proof that 'the family we chose'  (aka our friends) are actually genetically related. Enough so that your 'Sister from another Mister' or 'Brother from another Mother' just might be your fourth cousin... How cool is that?!

That being said, families can still have squabbles and debates. Hell, these days good friends and even perfect strangers can get into a heated argument. 

Seriously! Ask about politics, climate change or religion- most people are quick to give you their opinion, and even quicker to ridicule yours if it doesn't match their view. 

Recent so-called journalism only adds fuel to that fire. Take this bit from NY Times on Youtube - 'reporting' other peoples' reactions to but not the whole story of the facts (and yes, I watched the entire video). It seems that their interest lies more with getting all of us wasting our brain power and energies on their pointless horror stories rather than practicing real journalistic values.

So before heading out, I just wanted to clarify a couple of issues that go to the heart of our family tree -because there is still a lot of gossip & rumors floating around out there:

• Harley-Davidson is a company and iconic brand that has been operating continuously since 1903. Over the 115 years since then they've grown to include markets outside the United States. In 2017 there were 103 countries that their motorcycles sold in. Of that, 94% of those motorcycles were produced in their US plants.
• It is their plan and preference to make their motorcycles in the United States - something that has not changed since 1903. 
• The MoCo does not wish to be in any political spotlight, but thanks to the current media highlighting and inciting drama, here we are.What Harley does want is a level-playing field, to inspire current and new Riders, and to work diligently to resolve these trade disputes while keeping the best interest of their customers, dealers, employees, suppliers and the brand in mind.
• With the current tariffs in place, HDMC is being squeezed at both ends: 1) Steel prices have gone up and 2) the European Union has increased their tariff to 25% on US bikes over 500cc's. Despite this increase to manufacturing and export costs the motor company has pledged to not pass along those to dealers or customers, opting to cover the cost themselves. However they cannot carry these higher costs indefinitely and, like any company with good business sense would, must look to find the best solution. Hence them looking at the possibility of building a plant overseas for overseas production. 

Let's all just take a breath and remember to enjoy this life. We certainly don't have to race to the 'conclusion finish line' and we can be open to the whole, entire story of facts. 

And if you're one of the hundreds of thousands about to descend on Milwaukee, look me up!! 😉

Beat Biker Weariness with these 7 Tips

You Deserve a Break

And taking a nice, long road trip by bike is one of the best ways to treat yourself.

However, if you find that you'll be spending quite a few hours racking up miles behind bars (say to Milwaukee for the 115th Anniversary Celebration like me!!), you'll want a plan to stay fresh and alert while on your journey.

At FX Caprara Harley-Davidson we've got these 7 tips to help you avoid the dangers of becoming road weary.

Photo by Floris Jan-roelof on Unsplash

1. Get some good shut-eye

In other words, be well rested. Plan to pack your bike a day or two before you leave so you won't be up till 2am doing last minute stuff. Or go to sleep early and pack in the morning. Either way get a full night's sleep before starting off.

Also, you can always stop and take a 'power nap' if you feel drowsiness setting in. It's much better to recharge your system for the rest of the day's ride than to push yourself too hard/far so that you're putting your life and others at risk.

2. You are what you eat (and drink)

No doubt that you spend more energy while riding than you do when driving. So much so that you might feel famished when you stop for your lunch and/or dinner... a word of caution:

When you eat a large, heavy meal (like spaghetti dinner or double cheese burger with fries) your body will then need to digest all that food -which also takes energy.... See where I'm going with this?

Instead we find it better to eat smaller meals more often -like every other time you stop for gas. Foods high in protein are best. And keep yourself well hydrated -with both water and something with electrolytes if it's hot out.

Photo by Bogomil Mihaylov on Unsplash

3. You gotta stop sometime

You've got promises to keep and 400 miles to go before you can sleep... But here's a tip: this is not a race, endurance or otherwise. Take your time, pace yourself and stop when you need to. 

My personal preference is to stop every 100 miles or so. If you're riding in a group you'll want to plan with the others when to stop, because different riders will have varying distances for their preferences.

4. Remember to Move It, Move It

When you do stop take a moment to make some movement. Walk, stretch, sit in the shade of a tree, start a conversation, grab that light snack and hydrate. This will help to keep both your body and mind fresh.

Photo by Cristobal Baeza on Unsplash

5. Ride like the Wind (just don't fight it)

The main reason Bikers burn more calories riding than other people do driving is because they're out in the wind. That wind is number one in creating fatigue, both in noise and aerodynamically (it pushes against our middle). 

To cut wind noise use earplugs and/or a helmet that covers your ears (3/4 or full face). And for looooong trips you might want to put a windshield or fairing on your bike to help split the wind around you.

6. Take the Scenic Route

When possible take the back roads versus taking the interstate. That's because you'll be going through different speed zones, shifting through the bike's gears, and leaning through the curves equals more engagement with your mind and body.

Of course there are times when you need to buzz out there as fast as you can, you'll have to be on the highways and the interstate. Here, to avoid getting lulled into a zoned out trance, pass for position and don't use your cruise control. Reasonably moving around traffic and varying your speed by 5 mph will help you keep you alert. 

7. Talk it Out

Try using a communication system so you can talk to the other riders with you, listen to your favorite talk show/podcast, or sing along to your music. 

Even doing the "Biker Wave" will help you feel more alert and engaged. Added bonus: you'll be an ambassador for motorcyclists with everyone on the road.

Ch-ch-ch-ch-changes

Nearly two weeks ago Harley-Davidson began a custom revolution by taking the best of the 'old' Dyna and Softail frames and combining them in a "New" Softail frame for the 2018 model year. And more than a few people are freaking out about it. #RIPDyna and this hilarious Youtube Video is just the tip of the iceberg.

At first I could understand, even agreed with those crying "blasphemy" to a certain extent. After all, 'better the devil you know than the one you don't.' 

There's a reason it's called a 'comfort zone'! It's what we know, we're comfortable with, and any deviation from that brings a whole host of things that we don't know. That unknown can be pretty scary.

When you look at it though, change is a part of our daily lives. Our bodies change, weather changes, popular music, movies and television change, and on and on. Everything changes. And when we avoid this fact of life, things can get pretty bad pretty fast.

Did I tell you I'm a Ford Girl? Ever since my teens when my best

friend's dad was a Master Mechanic for a local Ford dealership. They even started the same year as my favorite motorcycle company (1903)!! I used to think Henry Ford could do no wrong (when he was alive, of course).

But when I read the history of Ford I saw that he didn't really want to change the Model T, at all. Henry was quite content to sit on the success, even when others were coming up with electric start and hydraulic brakes. If it weren't for his son Edsel and the Model A, Ford Motor Company might just have been a blip on history's radar. 

I mean really, could you imagine driving to work in a Model T with a top speed of 45mph today? How about doing your work on an old Mac computer? And your cell phone - is it the same big brick as they used to be when they first came out? 

We as humans need certain things to change in order for us to grow and evolve. Otherwise we get stuck in the same patterns, going in circles, doing the same thing day in and day out.

Of course we should also honor those certain things that need to remain the same. So then it becomes a balancing act between sameness and change, something Harley seems to have achieved with the new Softail frame.

In designing the new Softail frame, the powers that be looked to the

1950 FL while also keeping pace with the technologies of today. Add in more agility, increased lean angels, more torque and a smoooooth ride and we're talking about a major achievement.

But I wasn't completely sold until I test rode the new FLFBS Fat Boy (with a 114ci Milwaukee-Eight engine!). Other than having to shift, it really felt as if I was riding on a magic flying carpet - it was that effortless and powerful thanks to the motor. And then the handling through the corners - a tiny bit better than my '04 Dyna Super Glide, but with a lot less vibration.  

Keeping things the same while going through change - when we get it right, we're in tune with the universe. Embrace the change AND hold on to the old ways allows us to be free and live a wonderful life.

Therefore I personally invite you out to FX Caprara Harley-Davidson for our Fall Open House, September 22-24 (of course you can stop in anytime- we are open seven days a week) for you to experience these new "Freedom Machines." Not close to us? Check out this link to find a dealership close to you.

Until then, you gotta just keep moving forward in order to balance on two wheels. Ride safe & have fun!!

You can bet your sweet App on that!!

Here's what happened last week in our Service Department at FX Caprara Harley-Davidson:

As you might already know, I also take pictures of damaged bikes for warranty claims. Within the last year or so, that's expanded to taking pictures of wrecked bikes for the insurance claim.

What I recently found out is that quite a few insurance companies no longer have an insurance adjuster come out to the shop to do the estimate. You just download their app - bing, bang, boom and you're done! And now, one company I just got off the phone with, is doing claims completely through their app on my (or your) smart phone. 

"Isn't that better?" I hear you ask, "That means I don't have to wait on the adjuster, right? So I'll get my money faster." Well, the answer is yes and no.

Yes - it's better if all you care about is getting some money for your accident. Notice I didn't say "enough money" to fix your motorcycle. 

This is the point is when my answer is No - it's not better because there are things that'll get missed (and I get the feeling this is why insurance companies have embraced this practice).

The particular company our customer has told him for us to download their app to my smart phone. I punched in the claim number I had, only to learn that the app allows just three - 3!!! - pictures of the damaged area. But this bike has more than three damaged areas....

So I called the insurance company through their national 1-800 number and, after going through the automated system, got a real live person on the phone. 

"Jake" was quite pleasant to speak with - so that was a plus, but the only one. As it turns out I can only submit photos through their app - I have no way to email them to a claims representative. 

Jake even seemed a little dismayed to hear that the owner had brought their bike into the dealership. "Oh, the owner could have done that [on the app] - he didn't have to take his bike to you."

Alarm bells going off!! This insurance company has done away with claims adjusters in favor of inexperienced representatives who are writing estimates based on pictures taken by the owner (whose primary job isn't as a automotive or motorcycle technician). To say something is going to get missed is an understatement.

Getting something done faster and easier is not always going to be best for you, the customer. Insurance companies are hoping you'll accept the check for a substandard, below cost estimate and just shut-up about it. Consumers need to wake up!!

Are you maintaining your ABS?

No matter what your summer beach body looks like, you  
should know that ABS (aka Anti-Lock Braking System) - if you have it - is important. (I apologize if you were hoping this blog was going to talk about abdominal muscles!)

Do you know if your bike has ABS? The technology has been around since 2005 in Harley-Davidson Touring & Police models, V-Rod models got it in 2008, and today ABS is an option (if not standard) for every 2-wheeled motorcycle Harley makes. 

Look for the ABS module in the space in front of the motor, between the down tubes of your bike's frame, just behind the front wheel.

Or check out your front brake caliper - there will be a wire running alongside the brake line.

Still not sure if your bike has ABS? Just type your bike's VIN into FXCHD's "Contact Us" webpage and I'll look it up for you.

Ok, so back to maintenance: the memories made while riding your motorcycle will last a lifetime! The brake fluid.... not so much!! It is right in the H-D owner's manual that you should have your brake fluid changed every two years - no matter what your riding style is.

Regardless of who made your motorcycle, your bike will take care of you as much as you take care of it. Changing your brake fluid is part of the cost of properly maintaining your bike - just like oil & filter changes, brake pads, tires, etc.

That's because the "brake fluid ages and absorbs water over time. This reduces its performance and ability to protect the internal components of the brake system. If left unaddressed, it may eventually lead to a loss of brake function." <directly from Harley-Davidson Motor Company, Inc. (it don't get more official than that!!)

And, unless you're a certified mechanic with the necessary 
tools, specifically Digital Tech II, and knowledge to replace your brake fluid as recommended, I urge you to take your bike to your local authorized Harley-Davidson dealer. 

This is where that old saying comes in: If you think it's expensive to hire an expert, try hiring an amateur. Going fast is fun, but being able to stop when you want is necessary for motorcycle riding. Hire the expert and have us service your bike.

Ride Motorcycles and be Happier - 10 Ways

At times I'm your typical Northern California girl - I love yoga, definitely a nature lover, I'm into Zen-like thinking, and I subscribe to a number of "feel good" blogs.

One Elephant Journal article I read recently was titled 10 ways to Choose Happiness. (However I'm not a complete "hippie" because my first thought was, "One of them better involve riding a motorcycle!!") 

And, while the author didn't mention motorcycles in the article at all (how DARE they!), as it turns out all the bullet points can be achieved when you're a motorcyclist. Here, I'll show you: 

• Detach: On my motorcycle all I have to do is twist the throttle and I detach myself from all the negatives of my day.
• Give & Receive: By joining NNY H.O.G. (our local Harley Owners Group chapter) I am able to give advice and mentorship to those around me. And the camaraderie & great memories I receive in return? Priceless.
• Appreciate Yourself: "Give yourself some love on a daily basis." Easily done when I'm riding, or thinking about riding, or planning a ride, or reading about riding.... You get the point.
• Connect with Nature: Riding a motorcycle is

  

  "You in the mini-van - how long you in for?"

  completely different than riding in a car. In a car the windshield & cabin act to keep you in a cage, detached from what is around you - like you're watching a movie. When you're riding a motorcycle, you are IN the scene rather than staring at it from afar. You see & smell much more on a motorcycle than you ever do in a car. You're definitely connecting with Nature on a very intimate level.
• Be In The Moment: To be a good motorcyclist you need to be focused on what you're doing, NOW.
  
  What happened 10 minutes ago, last week and last year all melt into the background. And the only future you need to be aware of is which road you're going to take.
• Love Yourself: The fact that I didn't reach my weight goal, or that my teeth aren't going to pass the "tissue test" or that I didn't get many "likes" on my Facebook posts, doesn't matter in the least to my Harley-Davidson!! But seriously I don't really care about any of that stuff because I learned a long time ago that none of that matters. Thanks in large part to riding, I've come to know I'm beautiful. Period.
• Practice Gratitude: It's easy to complain, but then
  
  I realize how blessed I am - I can simply jump on my bike and ride away from it all and not everyone can.
• Get Inspired Daily: I'll think back to Harley-Davidson's four founding fathers who, over a century ago, had the foresight to start a company that evolved into a way of life that I so enjoy. Listening to other Bikers tell their story of their favorite road is another way I'm inspired.
• Focus on the Good: I was stuck in traffic on a hot July day, getting caught up at how I should have
  
  taken another route - getting too focused on the bad. I started looking around and there was a straight up Amish guy sitting close by, just looking at me on my bike as I sat sweating. All of a sudden he gives me the biggest smile and flashes me a 'biker wave'!!! The best one I've ever gotten came out of something I didn't initially see as good... 
• Practice Self-care: Putting on my riding gear and making sure my bike is well maintained certainly rev up my mind, body & spirit!!

So there you have it, when you ride a motorcycle you're a happier person. It's true that money cannot buy happiness, but it can buy you a Harley, which is pretty much the same thing! 

You've got no excuse!! (Part V of Getting Real Serious Now)

This is the last time I'm going to bug you about your insurance.... for this year.... maybe! Only because it really is that important and, if you screw this up, you only have yourself to blame.

In Part I we talked briefly on motorcycle insurance and how it differs from auto insurance. Then in Part II we covered how insurance companies want to save YOU money (in the short term). In Part III we talked about what motorcycle insurance you're required to carry (and how it does nothing to protect the rider). And in Part IV I showed you the type of coverage you should strongly consider having added to your policy and why. 

(And once again 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.)

This time around let's discuss another type of insurance that might be beneficial: supplemental insurance.

At FX Caprara Harley-Davidson® we recently had an

insurance rep come through and I signed up big time. In addition to my dental & vision plans, I'm also covered for accident, disability, life & cancer.

Anyone who has ridden a motorcycle for any length of time knows that it is not a matter of IF you'll go down, but WHEN. And that was the major determining factor for me to get those policies.

Having that additional coverage will help me out with lost wages and missed bill payments. Here's a great article on how you can determine if you need supplemental insurance.

Now that you know almost all there is to know about how to best protect yourself while riding your motorcycle - beyond your riding gear and skill set - you have no excuse to be under-insured should the worst happen.

Have Fun & Ride Safe!

8 Common Motorcycle Accidents & How to Avoid them

It doesn't matter if you're new to motorcycling or been at it for a while - every Spring you should take some time to dust off your riding skills (if you're lucky enough to live where snow dominates the landscape 6 months out of the year, that is).

In that spirit, here's a reminder of the most common motorcycle accidents and how to avoid them. Feel free to share this blog post with drivers as well to help them understand better what we motorcyclists go though.

1. Entered a corner too fast and you can't stay in your lane: the best approach is to trust the bike and ride it out. The bike is likely more capable than you are, so it's really you that thinks you're not able to make it around. Take as much lean out of the bike as possible by counter leaning, look where you want to go, and be as smooth as possible on the controls. How to Avoid it: Only ride as fast as you can see and use visual cues like telephone polls or signs to judge the sharpness of a corner.
2. A car/truck is merging into your space: beware of situations where lane changes become more possible. Is highway traffic slowing with one lane moving faster than the other? Did the person merging onto the interstate get behind you? (see "Thanks for waving as you tried to crush me"). How to Avoid it: Know

   

   The Truck Driver cannot see any of these bikes!

   where the blind spots are and spend as little time in them as possible.
3. Someone on a group ride decides to show off their "mad riding skillz": Going out on a group ride when one rider wants to demonstrate their stunt riding act (although they're not professionally trained....). They end up doing something stupid, over-correct and cause an accident. How to Avoid it: Make sure everyone knows group riding etiquette and to ride in staggered formation. 
   
4. A Car Door opens into you: You're in the city, stuck in a traffic jam, and it's HOT!! You decide to pass everyone on the right, between the line of traffic and parked cars when, all of a sudden, Nathan No-Look swings his door open into your path. How to avoid it: Don't "lane split" in the first place. In NY it's illegal - in fact, California is the only state that allows you to do it under the law. 
5. You've hit gravel in a blind corner and are losing
   
   traction: You're out riding through a few twisties when you round a corner only to find gravel, sand, wet leaves, or manure in your path. How to Avoid it: Don't hit it in the first place! Ride at a pace where you have time to move your bike. Enter the corner wide so you can see, and once you can see all the way through the turn you can speed up. "Slow in, fast out."
6. Caught out in the Rain and you're playing "slip & slide": Things like manhole covers, 'tar snakes' and painted lines on the road can become slippery during a rain storm. Plus the first rain after a long dry spell can bring up all the oil & gas out of the pavement. How to avoid it: As long as you've got good tread on your tires, your bike will be fine in wet conditions. Just be smooth on your controls, take corners easy, and leave plenty of room between you and the vehicle in front of you.
7. A car/truck turns left in front of you - the most
   
   common type of motorcycle accident: The science behind this happening: a driver looking for cars perceives merely an absence of cars, not the presence of a motorcycle. How to Avoid it: Look for signs that could indicate someone may turn in front of you: a car waiting to turn at an intersection, or come out of a driveway or parking lot. Yes, you do need to take something as innocent as a car waiting in a turn lane as a major and immediate threat to your life. In either situation, slow down, cover your brakes and get ready to take evasive action. And once you’ve identified said threat, you can work through it. Is the driver clearly able to see you? Are they looking at you? Where are their wheels pointing? What’s the road surface like? Is it going to be able to handle the full force of your brakes or are you going to lock them? You do know how to use the full ability of your brakes, right? Look at their wheels, not the car itself, because the wheels will give you the first clue of movement. During all this, also be aware of what’s behind and to your side. Should you need to take evasive action, you’ll need to know your routes of escape. It’s no good braking in time to avoid a turning car, only to be swatted from behind by a tailgating SUV. 
8. The 100% Most Avoidable Accident -
   
   DUI/DWI: You’d think this would be a ‘no brainer’ – we did just cover how, as a rider, you need to develop a precognitive sixth sense. But now you’re out with friends and you think by consuming a beer or two is going to add in on the fun, then ride home after that. It’s not!! You’ve just dulled your senses and taken away your reaction time. How fun is it going to be paying the DUI ticket and state fines? Paying the increases in your insurance premiums? How fun is it going to be when you get demoted at work? How fun is it going to be laying up in a hospital bed, recovering from a major accident? Or that you took someone else's life from them, their family and friends.... How to Avoid it: THINK!! DON'T DRINK AND RIDE!!! I'm not saying you shouldn’t drink at all. Just that when you do, your kick stand is down and your bike is parked for the night.

There you have it so now you can do what my Dad always told me to do, "Plan as if you'll live forever. But LIVE as if you'll die tomorrow."

Do you have any helpful advice to add? I'd love to hear from you in the comments below!

I don't want you to get screwed over (Part IV of Getting Real Serious Now)

Local temperatures lately have been in the 50s & low 60s, which is real unusual for Northern New York, but I'll take it. I even smelled a dead skunk this morning! We still have to get through the month of March, but these are sure signs that Spring and the 2017 Riding Season is just around the corner!

So, along with checking your smoke detector batteries at the "Spring Forward" time change and renewing your NY Registration (all are automatically renewed in April), it's a good plan to haul out your motorcycle insurance policy for a thorough review.

(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.)

Part I went over how Motorcycles are considered

recreational vehicles, and the insurance coverage a motorcyclist is required to carry doesn't protect the rider at all. Add to the fact that 75% of the drivers out there have the minimum insurance under the law - which in NYS is $25K per person, $50K per accident. No where near enough!

Part II talked about how insurance companies want to save you money now.... which might mean not paying out later because you don't have the correct coverage.

In Part III we discussed planning ahead - not just for you but also for your spouse (if s/he rides their own) in the event they have a motorcycle accident. 

Now I'll talk about the coverage you should strongly consider having:

• New York is a "no-fault" state, meaning car
  
  owners have to have personal injury protection (PIP) and are limited on how they can sue someone after an accident. BUT these "no-fault" rules do not apply to motorcyclists!! We are not required to carry PIP, nor are we limited when it comes to lawsuits.
• You have a nice house, a couple of cars that are relatively new (under 10 years), maybe an ATV and/or ride on lawn mower - in other words you're not rich but you're financially better off than some. Consider increasing your liability limits since this will protect you if you are found to be at fault for causing the accident.
• Optional Coverage: Bodily Injury and Property Damage (BIPD). Did you run your motorcycle through someones manicured backyard? Took out a guard rail? This coverage will help pay back the home owner or county/state.
• Optional Coverage: Medical Payments Coverage.
  
  You might be thinking, "I have my own medical insurance, so I'll be fine." (I'm guilty of that!) But if your medical insurance has deductibles, then you'll be paying for those out of pocket. Say you have to go to physical therapy, three times a week at $40 copay per visit - that's $480 per month! This coverage will come in handy.
• Optional Coverage: Comprehensive and Collision.
  If you're bike is still owned by a lending institution, you probably have this coverage already because they insisted on it. It pays for motorcycle repair or replacement in an accident, and covers you in case your bike is stolen or a victim of vandalism. If you own your bike outright and don't have enough money to get another one should something happen to yours, you might want this coverage.
• Optional Coverage: Uninsured/Under-insured. This
  
  is the "biggy" - this is what will protect you when Nathan No-Look decides to turn left in front of you, you can't stop in time, and run into Nathan's car. Nathan is clearly at fault but his policy is only for the bare minimum = $25K. Your Life Flight will cost about $13K+, and that's just the beginning. Because you have under-insured motorist at $100K, your policy will now cover the difference (meaning up to $75K). 

These are not all the optional coverages you can get on your policy, just the major and most important ones. Again, these recommendations are just for those of us that live in the Empire State (aka NY). If you're not here, then be sure to check your own state for their requirements and optional coverage.

Ride on over to Part V 

Are You Plotting Your Partner's Death?? (Getting Real Serious Now - Part III)

Anyone who's been in a semi-serious relationship for more than a few months has probably had this thought cross their mind.... But more than likely not from my point of view. 

Allow me to get a little personal here: Are you guys renting an apartment? Buying a house? Bought a car together? Is s/he helping to pay your cell phone bill? The more your finances are intertwined, the more things have a potential for unraveling. 

Then there's the physical side of it: Does your

partner help cook, clean, take care of the kids, shovel snow, mow the lawn, perform home maintenance, balance the finances, keep to the budget, and/or keep track of your calendar? And have you ever thought what would happen to you if the unthinkable ever happened to your spouse?? 

....if you think having this coverage means your insurance will pay you what you think your bike is worth, you'll need to think again.

In Part I we talked briefly on motorcycle insurance and how it differs from auto insurance. Then in Part II we covered how insurance companies want to save YOU money (in the short term). Now I'll talk about the different parts of a motorcycle insurance policy and things you should consider.

(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.)

The Requirements:

• Bodily Injury - protects the other guy when you hit them.
• Property Damage Liability Coverage - protects the other guys vehicle when you hit them.
• Collision Coverage - protects your bike (and the bank if you have a loan on it).... sort of. It's no-fault coverage that will cover the damage from almost any collision (but read the fine print on that). But if you think having this coverage means your insurance will pay you what you think your bike is worth, you'll need to think again.

So, the first three °requirements° for a rider to carry on his/her motorcycle insurance policy do absolutely nothing to protect the person actually riding!!

Are you starting to see where I'm coming from?? If your spouse suffers an accident while riding their motorcycle, who is going to protect them? And should that accident be fatal, who is going to protect you??

This is why I implore every Biker I meet, especially those that are new to the sport, to please review your insurance policy before it's too late!!!

Part IV will be on the road soon....