Motorcycle Mania: Your spring guide to insurance, safety, training, laws and more

Despite the good news that motorcycle fatalities are trending down in recent years, motorcycle riders still represent a disproportionate share of traffic fatalities. May is Motorcycle Safety Awareness Month, a good time for riders and those who share the road with motorcyclists to double down on safety as we all get ready for the warmer weather and summer road trips. Here’s a guide to important information that you need to be prepared and to ride safely, as well as to comply with licensing, insurance and other legal requirements. .

Motorcycle Laws

If you operate your motorcycle on public roads, you must register it with your appropriate state authority and must be licensed to drive it.

AAA Digest of State Motor Laws – Motorcycles

State-by-State Guide to Motorcycle Laws – helmets, headlights, passengers, noise restrictions and more

III: State Motorcycle Helmet Use Laws (chart form)

State Highway Offices

Motorcycle insurance

Most states require that you carry at least a minimum insurance coverage – Florida, Montana and Washington are exceptions. Those states that do require insurance vary as to coverage requirements; most require a minimum of liability insurance to cover bodily injury and property damage.

Whether required or not, we think it’s pretty risky to go without coverage. Should an accident occur resulting in an injury or property damage, without insurance, you are on the hook. In fact, it is generally worth looking into expanding your coverage beyond the minimum. Options to consider are comprehensive and collision, which would cover other potential losses, such as replacement if your bike were stolen or damaged.. In some states, uninsured/under-insured motorist coverage is required; in others, you may be required to have specific coverage for passengers.

Motorcycle owners sometimes ask if they can cancel insurance in the winter when they aren’t riding but that can be risky and leave you exposed if the bike is stolen. Some insurers offer winter lay-up insurance options.

Talk to your independent insurance agent, who will be able to recommend the best coverage for your local requirements and your particular circumstances. Be sure to ask if there are any discounts that you may qualify for, such as for bundling multiple policies, for being a safe driver, for having participated in training, or any other circumstances.

For more, see the Insurance Information Institute (III): Find the right coverage for your bike

Motorcycle Safety

The Motorcycle Safety Foundation is a valuable resource. It is a not-for-profit resource, internationally recognized for comprehensive, research-based, Rider Education and Training System (RETS), which promotes lifelong-learning for motorcyclists and continuous professional development for certified coaches and trainers. MSF also actively participates in government relations, safety research and public awareness campaigns.

Check for available trainings and download their popular guide, You and Your Motorcycle: Riding Tips. Check out their other guides for three-wheelers, scooters, off-highway riding and more.

III: Background on: Motorcycle crashes

NHTSA: Motorcycle Safety

Choose the right helmet – how to find the right fit for safety

Helmet safety ratings – Make sure your helmet has the DOT symbol on the outside back; this means it meets Federal Motor Vehicle Safety Standard (FMVSS) No. 218.

Motorcycle Industry Council Tire Guide

NHTSA: Safety Issues and Recalls – search by VIN

Additional Resources

How to Prepare your Motorcycle for Spring

Consumer Reports: Motorcycle Buying Guide & Ratings

Motorcycle Club Listings

Reprinted from Renaissance Alliance – no usage without permission.

Boat Safety Week in two words: Wear It!

It’s National Safe Boating Week May 18-24, a good reminder to all boat owners and boat lovers to review boat safety best practices and to take the “Wear It” Life Jacket Pledge. And if your boat represents a serious investment, it’s also a good time to think about insurance.

Why are life jackets important? In 2017, the Coast Guard counted 4,291 accidents that involved 658 deaths, 2,629 injuries and approximately $46 million dollars of damage to property as a result of recreational boating accidents.

Life jackets may not protect you against property damage, but they will help to save lives. But simply having life jackets on board is not enough – accidents happen too fast to access them. Being a good swimmer isn’t enough – an injury or water-logged clothes can interfere with even the strongest swimmer’s abilities. Another big objection is that jackets are too hot, too restrictive, or don’t look “cool,” but new, lightweight jackets are slimmer, cooler and less restrictive. Plus, as for the coolness factor – bicycle helmets didn’t look cool at one time, until they became a sporting fashion statement. Do your part to make life jackets cool.

The U.S. Coast Guard life jacket requirements for recreational vessels:

  • A wearable life jacket for each person must be aboard
  • Life jackets must be U. S. Coast Guard approved
  • Jackets must be proper size for the intended wearer
  • In good and serviceable condition
  • Properly stowed (readily accessible)

The Coast Guard puts out a brochure that talks about the different types of life jackets and how to ensure a good fit.

Before you take put any boats int he water, make sure you know the federal laws as well as any state laws that might apply. The US Coast Guard offers links and resources on boat regulations and laws, including federal and state laws, navigation rules, and more.

Talk to your independent agent about Boating Insurance

Do you need boat insurance? Your homeowners or renters insurance may cover canoes and small sailboats or powerboats, but larger boats require a separate policy. Talk to your independent agent about the coverage you do have and whether it applies to any boats that you have. Typically, liability coverage would need to be added as an endorsement to a homeowners policy. The Insurance Information Institute offers a good overview of boat and watercraft insurance, as well as safety best practices.

 

Reprinted from Renaissance Alliance – no usage without permission.

Imposter scams top the FTC fraud list for 2018

Hand Holding Megaphone With Speech Bubble SCAM. Announcement. Vector illustration

In 2018, people reported losses of nearly $1.48 billion in fraud to the Federal Trade Commission (FTC.) That was a $406 million over what consumers reported losing in 2017. One in every 4 people who report fraud to the FTC suffer some monetary losses.

The FTC, which monitors fraud through its Consumer Sentinel Network, has collected tens of millions of consumer reports about fraud, identity theft, and other consumer protection topics over more than 20 years. In a recently issued report, The 2018 Consumer Sentinel Network Data Book (FTC), the FTC summarizes nearly 3 million consumer reports. Reports encompass both those in which money was lost, as well as those in which mo money was lost.

They sort consumer reports into 29 top fraud categories, and of those categories, in 2018, the three that topped the list of reports were:

  • Imposter Scams -18%
  • Debt collection – 16%
  • Identity theft – 15%

chart- top 10 fraud categories

Related: Imposter scams top the list of 2018 consumer fraud complaints and Fraud alert: This is (not) the government calling.

Some other key fraud report findings include:

  • Telephone was the method of contact for 69% of fraud reports with a contact method identified
  • Wire transfers continue to be the most frequently reported payment method for fraud
  • Those aged 20-29 reported losing money to fraud in 43% of reports, while people aged 70 – 79 reported losing money in 15% of their reports.
  • People aged 70 and older reported much higher median losses than any other age group.
  • States with the highest per capita rates of reported fraud in 2018 were Florida, Georgia, Nevada, Delaware, and Maryland.
  • States with the highest reports of identity theft were Georgia, Nevada,California, Florida, and Texas

You can search the full report to find a breakdown of information on fraud by state – here are more highlights.

consumer fraud infographic

Reprinted from Renaissance Alliance – no usage without permission.

Know the signs: Stroke can happen at any age

May is American Stroke Month. The recent deaths of beloved filmmaker John Singleton, aged 51 and actor Luke Perry, aged 52, serve as a sad reminder of why awareness of stroke warning signs is so vital. It’s also important to have a response plan for what to do if a stroke is suspected.

Generally, we tend to think of stroke as a medical condition affecting the elderly – and while stroke risk does increase in older years, the reality is that people of any age can suffer a stroke. In fact, health authorities say that the stroke risk for younger people is climbing.

“The deaths of Perry and Singleton underscore the fact that strokes are becoming more common among middle-aged adults. Between 2003 and 2012, the odds of being admitted to a hospital following an ischemic stroke — the most common type of stroke — increased 35.6% among U.S. residents ages 35 to 44. For those 45 to 54, the odds increased 20.5% over the same period, according to a 2017 study published in the Journal of the American Medical Assn.”

It’s important to learn stroke symptoms and act immediately, because with rapid treatment, stroke damage can be limited and the person can have a better chance of recovery. Experts say to think FAST: Facial drooping, Arm weakness, Slurred speech, and Take action, time is vital. The symptoms are ones that we might identify as a stroke in the elderly, but we might not be looking for such symptoms in people who are young or middle-aged. In younger people, these and other common stroke symptoms might be misattributed to intoxication or drug use.

Limit your risk

Here’s some good news: an estimated 80% of strokes in the US are considered preventable. There are two primary types of risk factors for stroke:

  • Uncontrollable factors, such as age, gender, race and ethnicity, family history, a prior stroke and certain health conditions.
  • Modifiable factors, such as high blood pressure, high cholesterol, smoking, a diet high in saturated fats, physical inactivity and obesity.

Learn more about stroke risk factors that are controllable and steps you can take to control them. See also: 7 things you can do to prevent a stroke.

This video depicts an elderly person who is having stroke symptoms and what happens afterwards. It’s well done. Save a life by having a better understanding of stroke and by knowing what signs and symptoms to look for.

Reprinted from Renaissance Alliance – no usage without permission.