When your passion is living a life on two wheels, but you live in an area where snow dominates the landscape four to six months out of the year, you learn certain survival skills.
Here are some crafty ways we in the north endure:
Making plans to escape:
There are numerous motorcycle rallies throughout the year: from Daytona Bike Week to Laconia, from Laughlin River Run to Sturgis, and all the small town rallies in-between. Our own local bike rally, the Thousand Islands River Run takes place in Alexandria Bay, NY every June.
There's also weekend trips, week long, cross country - how ever we plan on riding, Bikers are plotting where and when we'll be riding to this upcoming season.
Windows into other worlds:
Even though we're surrounded by snow covered hills, we still have ways to ride - it's just through others in print or on the screen. Reading books like Zen and the Art of Motorcycle Maintenance, your H.O.G. Magazine, The Harley-Davidson Reader allows us to escape through our mind's eye.
Or there's television series, documentaries and movies that provide a nice break. I recommend Harley and the Davidsons, 21 Days Under the Sun and The World's Fastest Indian. If we can't ride, then at least we can watch other people riding.
Out and about:
Riding ATVs and snowmobiles - for some of us just the fact that we are outside and moving is enough to help us get through. At FX Caprara Harley-Davidson always has events throughout the winter as well.
Adding that special something:
Now is the time of year most of us have our bikes up on a lift adding new exhaust, a sissy bar backrest, doing an engine upgrade, adding extra speakers to our sound system so we're ready to spring from winter's lock down.
Saving some dough:
Hotels, dinners, gas, gear and the like - bikers tend to save some extra money now to help offset the expenses later. Having a friend cut our hair or just cutting it ourselves, grabbing a free cup of coffee at the dealership rather than at the dinner or coffee shop, taking on a side job or two -all ways we keep our expenses light so we can live large in the Riding Season.
Do you have a way to get through winter? Let me know in the comments below!
– handlebars that is... I grew up riding horses & dirt bikes, but I really didn’t start living until I began working at a Harley-Davidson dealership. Then my life got even better when I began riding my own Harley motorcycle. Since then I haven’t looked back. After all, if you’re going to balance on two wheels, you’ve got to #KeepMovingForward
Showing posts with label planning. Show all posts
Showing posts with label planning. Show all posts
Saturday, January 11, 2020
Wednesday, March 28, 2018
5 Packing Mistakes to Avoid when traveling by Motorcycle
Baseball's Opening Day is tomorrow, there's the promise of Spring in the air, I'm all set to get on my new bike and start the Riding Season.... But all I can think of is my trip to Milwaukee, happening in six months!
2018 is is Harley-Davidson's 115th Anniversary year. That's over a century of continuous motorcycle manufacturing (unlike what some other brands that try to claim). And to celebrate the MoCo is throwing one heck of a party!
So for my vacation this year, some NNY H.O.G. friends and I are riding out to Milwaukee to join in the festivities. And while we're planning the route & stops, one thing you definitely don't want to overlook is how and what to pack on your bike.
Here's five mistakes to avoid:
2018 is is Harley-Davidson's 115th Anniversary year. That's over a century of continuous motorcycle manufacturing (unlike what some other brands that try to claim). And to celebrate the MoCo is throwing one heck of a party!
So for my vacation this year, some NNY H.O.G. friends and I are riding out to Milwaukee to join in the festivities. And while we're planning the route & stops, one thing you definitely don't want to overlook is how and what to pack on your bike.
Here's five mistakes to avoid:
- You just throw it all in... You're gonna want a way to get your stuff from your bike to your hotel room (or campsite). You might think those plastic shopping bags are just for that purpose, but you'd be wrong! They rip, they never hold enough, their cheap, and you're not going to look anywhere near as glamorous as this woman -not that Bikers care... What I advise instead is to get yourself a set of Saddle Bag Liners to pack your stuff in... sssooo much easier!
- You bring everything & the kitchen sink... There's a finite amount of room on your bike, so think carefully what clothes you're going to bring. Just two pairs of shoes (in addition to your riding boots), clothes that can do double-duty -like windproof jackets or vented and moisture-wicking shirts. Pack your underwear & socks into your shoes -you'll want to use every bit of space! You will need two pairs of gloves, a small first aid kit, and don't forget your meds. Take with you travel size toiletries. Plan to do laundry. Less is way more in this case.
- You don't save space... When you travel, do you buy souvenirs? Shot glasses, fridge magnets, dealer tees, etc. are going to be taking up space in your bags on the way home. Consider buying that dealer tee to wear on your trip (one less shirt to pack), or mailing your goodies home.
- You didn't check the weather... Say you're riding to a rally and all you pack is tank tops- chic yes, but not so good when they're getting a good sized rain storm!! It's always a great idea to pack a rain suit, because waterproof equals windproof and it'll help keep you warm. Still, check the weather on the way out & back as well- you might want your full leathers rather than your light-weight nylon jacket.
- You make your bike lopsided... Remember that you'll be balancing on two wheels, so you don't want a bunch of weight on one side, or heavy stuff up high. Put shoes and toiletries at the bottom of your saddle bag, towards the front (closest to your bike's center of gravity). You'll want to save the lighter stuff- maps, charging cords, gloves- for windshield bags and your tour-pack/trunk. Never hurts to have extra bungee cords or cargo nets to help keep stuff in place.
Do you have questions or other packing tips to share? You can contact me at FXCHD!
Saturday, December 30, 2017
Biker Resolutions for going into the New Year
Anyone else think 2017 was sort of weird, or is it just me?
Between the weather, juggling the boatloads of work I have with family life and riding, this year has been kind of a bust... (I did ride to Gettysburg which was really cool.)
And now, just moments before the new year begins, everyone starts telling me to plan and make resolutions for the New Year.
In fact, just the other day I printed off Harley-Davidson's marketing calendar for the year. WTH? Seems like everyone but me has a plan...
Resolutions are made by those who have resolved not to have adventures.
Yup, I tricked ya -sorry. But, in light of all that, here are five of the most popular resolutions and what you should do instead for 2018:
#1: Get in Shape
True that December seems to be a month long all-you-can-eat orgy of decadent foods, and you probably consumed 4500 calories in a single meal, but by no means do you have to loose the love-handles gained. Hey- Round is a shape people!
If you really want to loose weight, start off by getting one of the new 2018 Softail models which are up to 35 pounds lighter (compared to 2017 models) and a 34% stiffer chassis. Then ride it to the gym or the park to meet your personal trainer.
#2: Enjoy Life to the Fullest
Do you really need a resolution to do this??
To really enjoy life to the fullest, you should have and ride a Harley-Davidson motorcycle. When you own a Harley there is nothing more - and nothing less - than a way to get the most of that life has to offer.
#3: Spend more time with Friends
Again, you need a resolution for this??
Bikers do this already when they walk into a Harley-Davidson dealership (like FXCHD) and join a chapter of the Harley Owners Group (like NNY H.O.G.). Here you'll meet people from all walks of life and all levels of riding experience who have one thing in common: a love for being in the saddle of a Harley.
#4: Learn Something New
So you say you're going to learn Mandarin in 2018.... And when is your trip to China scheduled?? And when you don't achieve this how will you feel? Taking on something new can be frustrating and a time drainer.
Maybe instead try a more attainable goal, like learning to ride a motorcycle. If you can ride a bicycle, you can ride a motorcycle. And if you know how to manually shift a car, you're that much more ahead of the game. The best and easiest way to do it is to take a class taught by professionals.
Already have the "M" endorsement on your license? Then we say to teach something new. Most Bikers I know are happy to tell you what they know about riding, the tips and tricks they've learned along the road. Sort of like a mentorship to those who have just started out in a life on two wheels.
#5: Travel More
OK, if there is ever a 'resolution' among Bikers, it's to:
Between the weather, juggling the boatloads of work I have with family life and riding, this year has been kind of a bust... (I did ride to Gettysburg which was really cool.)
And now, just moments before the new year begins, everyone starts telling me to plan and make resolutions for the New Year.
In fact, just the other day I printed off Harley-Davidson's marketing calendar for the year. WTH? Seems like everyone but me has a plan...
In HDMC's defense, 2018 is their 115th Anniversary and they're planning a LARGE celebration in Milwaukee - and that kind of party you do need to coordinate months in advance.Despite the MoCo planning out 2018, it's ok that I don't have resolutions for 2018. That's because if you're a Biker you know that we usually don't make New Year's Resolutions.
Resolutions are made by those who have resolved not to have adventures.
Yup, I tricked ya -sorry. But, in light of all that, here are five of the most popular resolutions and what you should do instead for 2018:
#1: Get in Shape
True that December seems to be a month long all-you-can-eat orgy of decadent foods, and you probably consumed 4500 calories in a single meal, but by no means do you have to loose the love-handles gained. Hey- Round is a shape people!
If you really want to loose weight, start off by getting one of the new 2018 Softail models which are up to 35 pounds lighter (compared to 2017 models) and a 34% stiffer chassis. Then ride it to the gym or the park to meet your personal trainer.
#2: Enjoy Life to the Fullest
Do you really need a resolution to do this??
To really enjoy life to the fullest, you should have and ride a Harley-Davidson motorcycle. When you own a Harley there is nothing more - and nothing less - than a way to get the most of that life has to offer.
#3: Spend more time with Friends
Again, you need a resolution for this??
Bikers do this already when they walk into a Harley-Davidson dealership (like FXCHD) and join a chapter of the Harley Owners Group (like NNY H.O.G.). Here you'll meet people from all walks of life and all levels of riding experience who have one thing in common: a love for being in the saddle of a Harley.
#4: Learn Something New
So you say you're going to learn Mandarin in 2018.... And when is your trip to China scheduled?? And when you don't achieve this how will you feel? Taking on something new can be frustrating and a time drainer.
Maybe instead try a more attainable goal, like learning to ride a motorcycle. If you can ride a bicycle, you can ride a motorcycle. And if you know how to manually shift a car, you're that much more ahead of the game. The best and easiest way to do it is to take a class taught by professionals.
Already have the "M" endorsement on your license? Then we say to teach something new. Most Bikers I know are happy to tell you what they know about riding, the tips and tricks they've learned along the road. Sort of like a mentorship to those who have just started out in a life on two wheels.
#5: Travel More
OK, if there is ever a 'resolution' among Bikers, it's to:
Ride More Miles
But don't just make those miles to and from work. Get out and ride!! Cross into a different state or even a time zone. Save your money, plan the route, tell your friends.
2018 marks the 115th Anniversary for Harley-Davidson and I'm already planning to join with more passionate people in Milwaukee this coming labor day.
Wednesday, November 23, 2016
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?
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.
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!
"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!!
Saturday, November 12, 2016
Planning the Road Ahead
Bikers (aka Motorcycle Enthusiasts) are constantly scanning the road ahead looking for a myriad of challenges that we might have to negotiate when riding: loose dog, pot hole, gravel on the road, other drivers etc.
So it should come as no real big surprise that we usually do the same in our day-to-day life. "I'll leave for work 10 minutes early because they're supposed to start road construction today." "I better get Bob those reports I know he needs at the end of the month." Those kind of things.
Of course we wouldn't be true Bikers if we weren't looking
forward to next year's riding season! The Watertown Chrome Divas have already started planning their 10th annual Ta-Ta Run, and - even though I stored my bike for winter at FXCHD - I think it would be fun to Ride Route 66 in August 2017.
Because we do all this planning & scanning ahead, we sometimes feel as if everyone should do it - is doing it, because it's such second nature to us. But clearly that wasn't the case because - in case you've somehow missed it - so many people have been stunned by the outcome of our Presidential Election (don't worry- this won't turn into another political blog, I promise!).
Going into this election I assume we all knew there would be a
loser as well as a winner - I mean, that's how the game is played people!! I had a plan in case the person I voted for didn't win (and if you want to see who I voted for you can check out my Twitter and/or Facebook accounts).

My plan was to move into a quiet cottage in the Irish Countryside (my maiden name is McBride!) and live out my days. Sure I'd have to learn how to ride on the other side of the road.... but that should be easy!
However, on election day, I changed my plan. I'd decided that no matter who won the election I was going to stay in America, stay American. After all, this is where the greatest motorcycle manufacturer was started (I'm talking about Harley-Davidson of course!)!! And this is where the American Biker Culture that I love was born and continues today.
Nope- just before I walked into my polling station, I pledged I would stay and help to heal the wounds of my country. Especially since many of us have realized our country was divided before the election - the vote just brought it all to a head.
So it is in that mind set that I look to a future for all Americans.
Working towards how we can learn to listen to each other so we're all heard. How we can come to appropriate compromises so the majority or those that need it most benefit. How we can all travel the same road in relative happiness.
Look ahead. Embrace the future. Say & do good things - ALL of us. Besides us Bikers know that you've gotta #KeepMovingForward in order to balance on two wheels.
And I'll just leave one of my fav Cat Stevens songs right here...
So it should come as no real big surprise that we usually do the same in our day-to-day life. "I'll leave for work 10 minutes early because they're supposed to start road construction today." "I better get Bob those reports I know he needs at the end of the month." Those kind of things.
Of course we wouldn't be true Bikers if we weren't looking
forward to next year's riding season! The Watertown Chrome Divas have already started planning their 10th annual Ta-Ta Run, and - even though I stored my bike for winter at FXCHD - I think it would be fun to Ride Route 66 in August 2017.
Because we do all this planning & scanning ahead, we sometimes feel as if everyone should do it - is doing it, because it's such second nature to us. But clearly that wasn't the case because - in case you've somehow missed it - so many people have been stunned by the outcome of our Presidential Election (don't worry- this won't turn into another political blog, I promise!).
Going into this election I assume we all knew there would be a
loser as well as a winner - I mean, that's how the game is played people!! I had a plan in case the person I voted for didn't win (and if you want to see who I voted for you can check out my Twitter and/or Facebook accounts).

My plan was to move into a quiet cottage in the Irish Countryside (my maiden name is McBride!) and live out my days. Sure I'd have to learn how to ride on the other side of the road.... but that should be easy!
However, on election day, I changed my plan. I'd decided that no matter who won the election I was going to stay in America, stay American. After all, this is where the greatest motorcycle manufacturer was started (I'm talking about Harley-Davidson of course!)!! And this is where the American Biker Culture that I love was born and continues today.
Nope- just before I walked into my polling station, I pledged I would stay and help to heal the wounds of my country. Especially since many of us have realized our country was divided before the election - the vote just brought it all to a head.
So it is in that mind set that I look to a future for all Americans.
Working towards how we can learn to listen to each other so we're all heard. How we can come to appropriate compromises so the majority or those that need it most benefit. How we can all travel the same road in relative happiness.
Look ahead. Embrace the future. Say & do good things - ALL of us. Besides us Bikers know that you've gotta #KeepMovingForward in order to balance on two wheels.
And I'll just leave one of my fav Cat Stevens songs right here...
![]() |
| Two balance on two wheels you've gotta #KeepMovingForward |
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Thursday, October 6, 2016
Getting real serious now - Part 1
"It's better to have it and not need it
than to need it and not have it."
Sage advice that we've heard numerous times before. But thanks to Flo, Mayhem and that guy from Allstate, we sometimes get lulled into thinking it's better to 'cut back on insurance' and save... I'm just here to remind you that what you're saving on today is what your insurance company will probably save on later.... like when you have to file a claim.
BTW: I'm not promoting one insurance company over the other, nor am I licensed to sell any type of insurance - these are just lessons I've learned on my own or through friends' experiences.
BTW: I'm not promoting one insurance company over the other, nor am I licensed to sell any type of insurance - these are just lessons I've learned on my own or through friends' experiences.
I talked briefly about motorcycle insurance earlier this year, however I've learned a lot more since then, so I'm going to cover all of what I know so far:
- In New York, because of our short riding season, motorcycles are considered a recreational vehicle. That means what you're automatically covered with in your car may not be the same for your bike. Find out how your state clarifies your motorcycle.
- Liability coverage is required by state law, however this type of coverage protects the other guy from damage or injury, not you. It is in your best interest to get 'optional' insurance coverage on your motorcycle policy.
Let me just pause here, because this is a BIG deal. The bare minimum, state required motorcycle insurance coverage is designed to protect the person you hit, not you. So, if the other person hits you, all you'll have is their insurance to pay for your damages and injuries. Now, follow along with me here, because chances are good that the driver who just hit you also has the bare minimum insurance coverage required by law - about 75% of drivers do - which is $25K bodily injury per person, $50K total bodily injury per accident (if you happen to have a passenger) in New York State. And no, you don't get to add those two amounts together.
Please THINK about that a minute!! Let's just say you're riding along when Nathan No-Look turns left in front of you (the most common motorcycle accident) and down you go. Your leg is badly broken, as well as a couple of ribs and wrist. All you can see of your bike is a pile of smoking metal.

The paramedics arrive and call for a Life-Flight because you need emergency surgery - NOW. Of course you and your family members are wanting the EMT people to act quickly, plus you're in shock by this time, so no one is thinking of the cost that all this attention will add up to at the time it's happening. But don't worry, the insurance companies already have!
Anywho, the average cost of a Life-Flight is $15,000. "Well, I've got medical insurance, so I'm covered," you say. Think again. Most medical insurance policies cover life-flights at 50-60% (if the provider is in your network.... but you didn't think to ask that either), leaving you holding a $6000-$7500 or more bill.
Of course if the Life-Flight isn't covered by your health insurance, and you only have the liability coverage on your motorcycle insurance policy (which doesn't cover any medical costs for you!), then you can get stuck for the full cost of the Air Ambulance. At that point rates are usually calculated by the cost of jet fuel, type of aircraft, distance flown and staff on the flight, which can be anywhere between $2000-$50,000.
And that bill is just the beginning....

The paramedics arrive and call for a Life-Flight because you need emergency surgery - NOW. Of course you and your family members are wanting the EMT people to act quickly, plus you're in shock by this time, so no one is thinking of the cost that all this attention will add up to at the time it's happening. But don't worry, the insurance companies already have!
Anywho, the average cost of a Life-Flight is $15,000. "Well, I've got medical insurance, so I'm covered," you say. Think again. Most medical insurance policies cover life-flights at 50-60% (if the provider is in your network.... but you didn't think to ask that either), leaving you holding a $6000-$7500 or more bill.
Of course if the Life-Flight isn't covered by your health insurance, and you only have the liability coverage on your motorcycle insurance policy (which doesn't cover any medical costs for you!), then you can get stuck for the full cost of the Air Ambulance. At that point rates are usually calculated by the cost of jet fuel, type of aircraft, distance flown and staff on the flight, which can be anywhere between $2000-$50,000.
And that bill is just the beginning....
~continued in Part 2
Wednesday, August 17, 2016
Packing & Getting Out of my Comfort Zone
When I was a kid I was shy, and I still am to a certain extent. That's why I was nervous about starting a Youtube Channel/Video Blog.... But I did and I posted my first video last night, with the help of a few drinks of liquid courage (of course I wasn't driving anywhere, so no DUI for me!)!!
Since I'm getting ready to go on my big motorcycle road trip, I thought I'd post something about packing (I'm riding out to Boston for Harley's Annual Dealer Meeting where they'll introduce the 2017 lineup). Because when it comes to packing for a motorcycle trip, you've got to think about things a little differently.Cagers (definition of "cager") have lots more room to pack what
they want to take. Bikers, on the other hand, have a finite amount of space for what we need to take. Plus I've got to leave room for all the souvenirs & dealer shirts I'm bringing back!!
So keep checking my Youtube Channel for more posts about packing for a motorcycle trip as well as what I see at the HDMC Annual Dealer Meeting. I'll work on my shyness too!!
Tuesday, August 9, 2016
Three things to remember about Motorcycle Insurance!!
Oops!! You and your bike have fallen... Fortunately you're both back up but not yet back on the road. But on the plus side, your insurance company is going to take care of everything.... sort of.
First, I'm not an expert in, nor do I sell insurance. Also, I'm not an insurance claims adjuster. This blog is just to make you, the consumer, aware of some of the little things that the, "save money now by switching to us" insurance commercials don't tell you.
Next, let me tell you that I'm constantly yelling at the television when those "spend 15 minutes and save 15% or more" come across the screen. Exactly how are they saving you money?? Sometimes by cutting certain insurance coverage you don't need right then.... but you might need it down the road!
This past March I blogged about Insurance Coverage, mainly because our Northern New York H.O.G.® Chapter was hosting a seminar on the subject and I learned a few new things. Now that we're into the riding season, I'm seeing customers in FX Caprara Harley-Davidson® that are regretting the fact that they can't go back in time and change things.....
So the first of the Three Things To Remember is:
Next is:
First, I'm not an expert in, nor do I sell insurance. Also, I'm not an insurance claims adjuster. This blog is just to make you, the consumer, aware of some of the little things that the, "save money now by switching to us" insurance commercials don't tell you.
Next, let me tell you that I'm constantly yelling at the television when those "spend 15 minutes and save 15% or more" come across the screen. Exactly how are they saving you money?? Sometimes by cutting certain insurance coverage you don't need right then.... but you might need it down the road!
This past March I blogged about Insurance Coverage, mainly because our Northern New York H.O.G.® Chapter was hosting a seminar on the subject and I learned a few new things. Now that we're into the riding season, I'm seeing customers in FX Caprara Harley-Davidson® that are regretting the fact that they can't go back in time and change things.....
So the first of the Three Things To Remember is:
MEDICAL COVERAGE
In New York State, because our riding season is about six months
out of the year (if we're lucky), motorcycles are considered recreational vehicles and are treated as such. That means if you want medical coverage for yourself you'll need to make sure your plan covers you for that.
You might be thinking, "My medical insurance will cover me if I get in an accident, so I'm fine!" But what you might not be considering is if you have to pay any type of co-pays.... What's your plan's co-pay for an emergency room visit? What about physical therapy? And who pays if you have to be transferred to the hospital by ambulance? Or by helicopter (which is around $33,000!!)??
Next is:
DOT HELMETS AND THE LAW
Is your motorcycle insurance policy written specifically for New York State? If yes, then I'm sure you're aware that New York requires all riders and passengers to be wearing a DOT approved helmet while on a motorcycle.
But now you're riding through Pennsylvania - a lovely state that
does not force the rider or passenger to wear a helmet. But if you get in an accident and you're not wearing a DOT helmet, your NY motorcycle insurance policy might not cover you because you have a NY policy. Either read all the fine print, check with your insurance broker or agent, or check with a lawyer who is used to dealing with motorcycle accident claims.
Last but not least is:
GENUINE PARTS REPLACEMENT
Here's a recent scenario that actually happened in our shop last week - owner wrecks his bike, bike goes to other nearby shop (not a dealership but a local, privately owned mechanic shop) for repair. Insurance claims adjuster shows up at said other shop, inspects the bike to see what he thinks needs to be replaced, writes up the claim complete with part numbers, gives paperwork to other shop, authorizes repair cost. Shop calls us, orders parts by giving us the part numbers the insurance adjuster gave them. The parts come in, get back to the other shop only to find out the part is the wrong year for that bike, or just the wrong part all together.
Of course the correct parts for that particular bike will be
covered.... once the insurance company realizes their mistake. How long do you think that's going to take? Insurance Claims Adjusters do know their stuff.... about insurance claims, not about motorcycle parts!! Neither they nor any local mechanic have the same access a dealer does to see what exact parts need to be ordered.
Not to mention, did the claims adjuster see everything that should be replaced? Did s/he see the big dent at the bottom of your cross-over exhaust pipe? How about the gouge out of the cylinder fins from the horn hitting? Remember your insurance adjuster is used to looking at claims all day, not motorcycles.
The take-away on this is just for you to double check and see if all your "t's" really are crossed, and all your "i's" really are dotted. Your insurance agent says, "Yup - you're fully covered!!" but what does that really mean for you???
Monday, February 29, 2016
Cue Tom Petty - the waiting is the hardest part
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| Get it? Spring..... around the corner.... Hahaha!! |
But, while we're still waiting, now is the time to start going over what you should go over on your bike before that first spring ride. There are quite a few websites/blogs that will give you mostly the same information:
- Read your owners manual - you'd be surprised at just how much information is in there!!
- Fuel - hopefully you filled your gas tank with treated gas so that it would stay fresh.
- Battery - Harley batteries are sealed, so you don't need to check the acid levels. And if you've had your bike on a battery tender all through winter, you're doing good! Just do a quick check and make sure there's no corrosion building up.
- Oil & Filter - did you change these before you put your bike to bed? If so you're good to go. If not you should do it now.
- Controls - check your cables for fraying and correct adjustment, throttle for smooth movement, pedals & levers for breakage.
- Tires - where the rubber meets the road is the most important part of your ride!! Check for proper inflation, and that you have enough tread depth. Showing 'wear bars' on your tire but don't have the money to spend for your bike's new shoes?? Stop and think of the real cost that you could pay....
- Lights - do they all light up?? Check that the low & high beam, running, turn signals, emergency and brake lights are all working.
Familiar with T-CLOCS? It's an acronym to help you remember what to check before going out on a ride - and it doesn't hurt to check out your cage (aka car) also. Here's a checklist from the Motorcycle Safety Foundation just for you!!
But, THE MOST IMPORTANT SAFETY PRECAUTION YOU CAN DO NOW IS to check over your Motorcycle Insurance Policy. "Oh, I've got the required insured amounts for my motorcycle - I'm good!!", but sadly you probably are not.
Unfortunately I lost a dear friend last year in a motorcycle accident. He and his wife (each on their own bike) had traveled to South Dakota and were celebrating the 75th Year of the Sturgis Motorcycle Rally when he was struck by a cager and killed. Since then his widow has been an advocate for proper motorcycle insurance coverage.
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| AND know your Motorcycle Insurance Coverage |
The person that hit my friend also had the required insurance amounts for her vehicle, that is the minimum insurance amounts, but nothing more. In New York State those minimum amounts are $25K bodily injury per person/$50K total bodily injury if more than one person is injured. Did you know that the average Life Flight (when the rider/driver is flown to the trauma center) is $15,000? Then add in emergency room, surgical suite, and hospitalization costs.... These minimum amounts have not kept up with the increasing medical costs.
Sure my friend's widow could sue the cager that hit her husband, but chances are slim to none that she'd receive any settlement before the driver declares bankruptcy. Do you know the saying, "You can't get blood from a stone."? That applies here.
So what can you do? Check out your Uninsured/Under-Insured Motorist coverage levels. This is what my friend and his wife both have - and it's what saved her from financial ruin. UM/UIM is what kicks in after the coverage limits from the other at-fault motorist are reached. And all for what is usually a minor increase to your insurance bill - but again, consider the true cost of not having this type of insurance coverage .
Check out these articles below for more information. Or - better yet - go over your insurance policy with your insurance agent (or attorney) and ask him/her to explain everything!!
Wednesday, January 27, 2016
Please allow me to introduce....
ICYMI, Harley-Davidson released two new bikes into their line-up
for 2016: the Dyna Low Rider S and the CVO Pro Street Breakout. This is not the first time Harley has released bikes half-way through the model year, but they did not release any 2015.5 bikes last year. Kate & I got a chance to see these bikes up close and personal while we were in Phoenix (these are the pictures I couldn't show you till today!) and now - after seeing the Screamin' Eagle 110 motor in a Dyna frame - I have a problem.
First though, let me go over the CVO Pro Street Breakout FXSE.
The Breakout model is in the Softail family which got their name because it has the look of a 'hardtail' (no suspension in the rear = a not so comfortable ride) but it does have rear suspension that's hidden. Also, the motor is counterbalanced, providing an even smoother ride. This bike has a seat height of 25 inches, weighs about 730 running order weight, has a 6 speed transmission, and a 5 gallon tank. Security, ABS braking and cruise control are all standard. According to Harley's specs this bike pulls 112 foot pounds of torque - which is pretty decent - and gets 43 miles to the gallon (but if you're buying a CVO (Custom Vehicle Operations), I'm guessing you're not going to be too worried about that). In Phoenix we saw the White Gold Pearl/Starfire Black version, but I much prefer the Black on Black version. Either way, I wouldn't be kicking this bike out of my garage should anyone buy it for me! The price tag on this bike is $25,699 before freight, tax, title & reg.
Now onto the Low Rider S FXDLS. This is not the first outing for
the Low Rider - that made it's first appearance in 1977 as the FXS Low Rider (the Dyna family of H-D Motorcycles wouldn't be around till the 1980s - for more on the history, click here if you don't mind babes in bikinis). This bike has long been a favorite - bigger than a Sporster but nearly the same maneuverability. Easy to take for a quick trip or across the country. This version of the Low Rider has 26 inches for the seat height, 4.7 gallon gas tank, running weight is 674 pounds, 6 speed transmission, and is expected to fetch 44 miles to the gallon. And again ABS, security and cruise are all standard. But my favorite number is the 116 foot pounds of torque - yummy!! Plus a very affordable price of $16,699 before freight, tax, title and reg.
[Read even more detail about the bikes here.]
What's my problem?? Last year my 2004 Dyna Super Glide got
new Screamin' Eagle 204 Cams which gives her a nice 'lub/dub' sound to her motor. Now Jeff, FXCHD's Master Technician, has begun the process of putting new jugs onto my her and cleaning out the top end for better compression and performance. But Harley has to tempt me with this 110 motor in a Dyna frame!! Do I trade in my baby on the latest and greatest?? Or do I keep my one of a kind bike I love?? Decisions, decisions.....
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| 2016.5 FXSE CVO Pro Street Breakout |
First though, let me go over the CVO Pro Street Breakout FXSE.
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| 2016.5 FXSE in White Gold Pearl & Starfire Black |
Now onto the Low Rider S FXDLS. This is not the first outing for
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| 2016.5 FXDLS Dyna Low Rider at Phoenix RRE |
[Read even more detail about the bikes here.]
What's my problem?? Last year my 2004 Dyna Super Glide got
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| My 2004 FXD Dyna Super Glide getting new jugs |
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| ...for the new |
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| the old... |
Monday, January 25, 2016
Aaaand - we're back
Kate and I had lots to see and do in Phoenix last week - but you'll have to "tune in" after the motor company releases the bikes to the public for some of the photos I took (yes there are bonuses to working for HDMC!!). Harley-Davidson will be releasing two 2016½ Motorcycles later in the week that I'm excited for you all to see.
The pictures I can show you now are of Harley folk just having fun! First there's the one photo I barely remembered to get because we were having such a great time - it's the one with the
Harley-Davidson of Atlanta crew. Then there's the Parts & Accessories portion of the floor in Phoenix. Last but not least is the palm trees - this wasn't too far from our hotel. Of course we heard some Harley's rumbling around downtown and that just gets me wanting to ride.... NOW!!
"What's the big deal? You're not riding till April," you might be saying. But THIS is the time of year that most Motorcycle Enthusiasts dream of the upcoming riding season. We plan out where & when we'll be riding to. Heading north, south, east or west - we're currently finding those back roads to that obscure, middle-of-nowhere destination. If you want some inspiration and/or start doing some planning of your own, check out the H-D Ride Planner.

Another big thing us Northern Motorcycle Enthusiasts do is work on our bikes. Performance upgrades or bike maintenance, you'll find the majority of Bikers who will be among the first out once the weather breaks. That's because we didn't hibernate - we worked on (or, as in my case, had FXCHD work on my bike) and took advantage of the 'down-time.' Once Mother Nature gives me two good rains to wash most of the salt & sand off the road, 45°F and a decent sky, I'll be out on my bike!
After all, we are just about half way through winter, and there's no use in complaining about it.... So why not look forward to Spring??
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| The newest in Parts & Accessories |
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| L to R: Ashley, me & Sherri |
Harley-Davidson of Atlanta crew. Then there's the Parts & Accessories portion of the floor in Phoenix. Last but not least is the palm trees - this wasn't too far from our hotel. Of course we heard some Harley's rumbling around downtown and that just gets me wanting to ride.... NOW!!
"What's the big deal? You're not riding till April," you might be saying. But THIS is the time of year that most Motorcycle Enthusiasts dream of the upcoming riding season. We plan out where & when we'll be riding to. Heading north, south, east or west - we're currently finding those back roads to that obscure, middle-of-nowhere destination. If you want some inspiration and/or start doing some planning of your own, check out the H-D Ride Planner.

Another big thing us Northern Motorcycle Enthusiasts do is work on our bikes. Performance upgrades or bike maintenance, you'll find the majority of Bikers who will be among the first out once the weather breaks. That's because we didn't hibernate - we worked on (or, as in my case, had FXCHD work on my bike) and took advantage of the 'down-time.' Once Mother Nature gives me two good rains to wash most of the salt & sand off the road, 45°F and a decent sky, I'll be out on my bike!
After all, we are just about half way through winter, and there's no use in complaining about it.... So why not look forward to Spring??
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