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....

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Any help you can give would be greatly appreciated!

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

On to Part III

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.

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....

~continued in Part 2

Getting outside your 'comfort' zone - part 2

Got my leathers on to lead the
9/11/2016 Ride for the Red -
American Red Cross Ride

We're nearly into Autumn officially, I had to put on my leathers to ride in to work at F.X. Caprara Harley-Davidson, and we're getting close to the end of the riding season... At least for people like me that stay in snow country during the winter months. 

Even though it's coming to an end, now is the time that I take a quick look back and say a quick
"Thank You" for a great riding season so far. With the drought in Northern New York (which reminded me a lot of growing up in Northern California - hot & dry) that we had most of the summer, it did make for some fantastic riding, events and rallies! 

The 10th Annual Thousand Islands River Run, NY H.O.G. Rally in Alexandria Bay, all the rides that our NNY H.O.G. Chapter has done, and riding to & back from the Annual Dealer Meeting in

Me "riding" (Jumpstart) a 2017 Street Glide with the all-new
Milwaukee-Eight engine!

Boston!! And all summer long myself and my fellow Harley Enthusiasts are out on the road, cruising through your town, stopping for a bite to eat in your local diner, and maybe having a few at your local watering hole (ALWAYS after my bike's kick stand is down for the night! Please don't ever drink & ride/drive!! Exceeding that comfort zone is totally NOT worth it!!).

I was supposed to be able to get on the Mass Turnpike
"using any lane".... but no signs for I-90!!!

So far this riding season I've led three group rides (when it comes to riding I'm usually by myself, riding faster than the posted speed limit, and decide spur-of-the-moment which route I'm going to take - not a good combo when you're supposed to be leading a group!), have done a few videos, have successfully challenged myself to projects at the shop & home I normally wouldn't have taken on, and have ridden my motorcycle through not just one, but four - count 'em: FOUR - tunnels while making my way home from Boston because I got lost soon after leaving our hotel. (Did I mention I'm slightly claustrophobic??!!)

I'm also working on taking better "selfies": here's me and my husband at the
Annual Dealer Meeting at the Boston Convention & Expo Center!

But just because the riding season is winding down doesn't mean we get to stop exploring. I must keep getting out of my comfort zone! So the same goes for you, to!! Chase that sunset and smell freedom on the wind. Because bottom line we are all human beings and we are connected by that.  

There's still plenty of events and riding still to be done this season!! Check out FXCHD's Discover More Open House, September 23-24. Can't make it in to see me?? Then find your local Harley-Davidson dealer - they'll be having a Discover More Open House that same weekend. 

Get out and meet some bikers, maybe even make some new friends. Still don't feel comfortable getting out of your comfort zone? Then try reading this blog.

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!

Please smile, breathe, and look twice - make that three times - before you go

Once again Mother Nature is smiling upon us living in Northern New York. But no matter where in the Northern Hemisphere you live - it is the time of year when Motorcyclists begin their yearly migration from the garage to the asphalt. Please - if you're behind the wheel of a car or truck - take a

moment to look for us!

I love that Kingsford Spring Grilling Ad:

1st Neighbor: Hal? Where have you been??

Hal: I was inside.... for so long.... There was nothing.... No yard, no grill.... Just white - and (with a shiver) COLD....

1st Neighbor: It was winter buddy - just winter.  

 2nd Neighbor (yelling): Somebody get this man a burger!!!

Just to be clear, it's not only motorcyclists that are taking advantage of the longer days and warmer weather. Walkers/Joggers/Runners are out on the roadways, as are those that are riding bicycles (too much physical effort for me!!). Of course the biggest difference between those people and motorcycle enthusiasts riding their motorcycles is SPEED. Obviously the later can go as fast or faster than the cars and trucks we share the road with, but don't take up quite as much space - making us harder to see.

Yes, motorcycles are noticeably smaller than cars and trucks we share the road with (thanks Captain Obvious!). Add to that the fact our human brains, when looking to cross a road with traffic, perceives only the absence of a car/truck and not the presence of a motorcycle. Did you get that?? That means a typical driver only sees the space between cars - not a motorcyclist in that same space - in areas of high traffic!


And the number of distracted drivers has increased according to a recent article by Kelley Blue Book. According to their study, a shocking number of 61% of drivers continue to multi-task while behind the wheel!! Even though all 50 states (and Washington D.C.) have laws that make it illegal to use mobile phones, the majority of drivers don't care.

Why do these distracted drivers think it's ok to multi-task while driving?? I blame the increased safety features - anti-lock brakes, front and side curtain air bags, lane departure and blind spot warnings to name just a few. They've sort of taken the 'being aware' out of the driving, giving the driver a false sense of security. Eventually there will be Self Driving Cars - but we're not there yet people!!!

Of course there are plenty of people that blame the motorcyclist(s). We show off by doing wheelies and other reckless stuff. Last year we heard about the Texas driver who intentionally hit a biker (see the video). He stated [when he heard he'd swerved and hit the biker], "I don't care."  In the video it is apparent the motorcyclist is passing illegally - crossing over a double-yellow line. But that does not warrant the driver deliberately crashing into the biker.

So, back to the main point of this blog: there are more people out & about thanks to the warmer weather, and we all need to watch out for each other - as human beings!! ALL OF US!!! Motorcycle enthusiasts and cagers alike: take a moment, or two, or even three and be a "looker." Know what's going on around you, be mindful of the traffic laws, and share the road responsibly. This motorcycle enthusiast thanks you!!