Showing posts with label risk. Show all posts
Showing posts with label risk. Show all posts

Tuesday, February 28, 2017

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!

Wednesday, February 22, 2017

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 

Monday, May 23, 2016

Thank you for waving at me as you tried to crush me with your car.....


One of the things that I love about my job at FX Caprara Harley-Davidson® is that we are an advocate for motorcycle safety & riding aware. That's why I jumped at the chance to participate in the Fort Drum Motorcycle Safety Day, representing the dealership.

At the safety day I spoke about motorcycle insurance, motorcycle tires, and the Harley Owners Group. They had other professionals speaking about riding safely as well - blind spots around tractor-trailer rigs, most common accidents, motorcycling myths, etc. 

Ironically, as I left Fort Drum to return to FX Caprara Harley, I put all those safety tips to the test. And sometimes the people who need to hear about motorcycle safety are the drivers (aka Cagers) behind the wheel!!

I was riding along on a 2-lane interstate and a construction zone had the left/fast lane closed off. So I'm in the right/slow lane and there's a silver sedan coming up on an on-ramp. With plenty of room, I was going to allow this car to get in front of me - but this guy had other plans.

The car started slowing down and I took that to mean that I was to go ahead and pass - so I did. And now I'm in front of the car, expecting to see him get behind me, and I'm watching my rear-view mirror to make sure that is what he's going to do.... but I don't see him.

And now the on-ramp/merge lane is coming to an end.... Where is this guy?? I look to my right and he's right next to me, smiling and waving..... and coming right towards me in his car!! I have no choice but to slow down and let this driver get in front of me - again!! 

What made it worse, I'm wearing my waterproof gauntlet gloves and cannot give the proper finger.... so I just raise my left arm and my voice to yell at him. His reply: lifting his arm out his window to wave at me.... Wow, really??

Then the interstate opens back up to two lanes, and I immediately speed up to 65, move over to the left/passing lane, and pass this guy. As I'm riding past this driver, of course I'm looking at him - as if I'll magically be able to figure out his motive for trying to kill me. And he waves at me.... again!!!

I'm not sure why this driver thought smiling and waving at me as he
tried to crush me with his car was ok. Was he mesmerized by a woman riding a Harley-Davidson Dyna Super Glide? Did he think/expect me to just move out of his way? Did he want a closer look at my bike without getting out of his car? Was he playing a joke - albeit a bad one? Did he realize what he was doing??

Whatever the case with this driver, I'm here to tell you as a rider, this is the stuff our nightmares are made out of and in real life it's not ok.  It is never ok for a driver to use his/her car to drive into a motorcycle and rider!! Please, for the love of all that is holy, watch out for those of us who ride!!! Thank you in advance!

Friday, February 19, 2016

Risk versus Reward and "Pucker" Moments

Customers will sometimes ask me how long I've been riding and my reply is always the same: It depends on when you start counting. Technically I started riding at age five - riding horses. It wasn't long after that I graduated to bicycles and dirt bikes (did I mention my dad wanted a boy?). In my teens I started riding street bikes but I didn't have the "M" endorsement on my license till 2009.... (oops!)

F.X. Caprara Harley-Davidson also sells other brands in our dealership - Arctic Cat, BRP - Can Am, Ski-Doo, Sea-Doo, and Honda motorcycles, ATVs and power equipement. So sometimes I'll hear about a customer's near accident, going into the reason they gave up riding a motorcycle. I won't forget the last customer I talked with (but he won't be the last) who told me that he gave up riding because of his job:
  • Him: "I just couldn't ride anymore after seeing what I see doing my job."
  • Me: "What do you do? EMS??"
  • Him: "I'm a State Trooper." (who was looking to buy a new jacket to wear while riding his snowmobile)
  • Me: "Wow - really??" 
  • Him: "Yeah, the risk of what could go wrong on a motorcycle is just too much."
  • Me: "But you ride a snowmobile now, and I know I just heard of a snowmobile accident over the weekend where the rider had to be airlifted out!!"
The risk of something bad happening to us just going about our normal day-to-day are probably more than I want to know. Slip and fall, kitchen accidents, something falls on you, poisoning (not by your spouse's cooking!), and choking - and that's all before getting out of the house. Then calculate in your commute to work, your work environment, and going out after work to dinner and a movie - we're just piling the risk on!!

I'll be honest, I've had a few of what I like to call "pucker" moments (because you usually get that "oh sh*t" moment where everything in your body tenses up - or is that just me?) while riding my motorcycle. And Bikers are quick to tell you: It's not a matter of if you'll go down, but a matter of when you'll go down. But there's one instance in particular that I really didn't see myself coming out on the other side. 

On a Sunday morning I was riding on the interstate, in the slow lane, on my way to work, and had just checked my speed - 72mph. Then, about 50 yards in front of me, my greatest fear jumps out from the grassy median in the middle of the highway: an adult doe.... PUCKER!!! I do a quick assessment: she's going uphill and not full speed yet and I'm in 5th gear about half throttle. I decide not to hit my brakes because I don't think I can stop in time - I twist the throttle of my bike instead and try to cross in front of her.

Now obviously I'm here talking about it, so it wasn't all that bad. But at the time, one of my thoughts running through my head was, "I don't think I'm going to make this...." And then my next thought literally was, "Well, at least I'm going out doing something I love!" This contest between myself and the deer came out a draw - I did get my front wheel ahead of her but she rammed her head into my left knee, spraining it. By the grace of the Gods, I did not go down on my bike. By the following Tuesday, ignoring doctor's orders, I was back riding my motorcycle, leg brace and all.

So yeah, there are undeniable risks that come with riding a motorcycle. But for me and most Bikers I know, the rewards are so much more. When we're riding our motorcycles, we see, smell and experience things in a completely different way. When you're in your car, looking through the windshield, it's like you're watching TV. On a bike the 'window' is gone - you're using your body to move the motorcycle, both hands and feet to control it. Riding a motorcycle you're completely in contact with it all. You're in the scene.

Add in all the friends you'll meet, some of which will become like family, and it's really easy to start to understand why I ride. Then I'll invite you to try it out for yourself - living life that is. Because doing what is fun will always come with risks, but the rewards are better than sitting at home on the couch. 
L to R: Queen Mother, Nance, Me, Black Widow, Halo and LoLo 
And, in case you think I'm the only crazy one, check out The Risks of NOT Riding a Motorcycle