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NEWS BRIEFPinching Insurance Pennies Can Help Consumers Tighten Their Belts in Bad EconomyJuly 31, 2008 — It’s estimated that most consumers could save more than 20% on insurance if they took simple steps such as raising deductibles, comparison shopping and taking advantage of discounts. More...
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Motorcycle SafetyMotorcycle statistics Motorcycle statistics
Motorcycle Popularity Reflects Crash TrendsMotorcycle riding has boomed in popularity, with a growing number of older and more affluent riders. At the same time motorcycle fatalities are also on the rise, reaching their highest level in 2006 since 1987. There has been a dramatic jump in the number of deaths among motorcycle riders age 40 and older in recent years.
Motorcycle Rider Safety Tips:
Motorist Safety Tips:
Motorcycle Helmets: In 2005 motorcycle helmets saved 1,546 lives. NHTSA says that if all motorcyclists had worn helmets, 728 more lives would have been saved. Helmets are estimated to be 37 percent effective in preventing fatal injuries. A NHTSA study covering 10 states found that when universal helmet laws, which pertain to all riders, were repealed, helmet-use rates dropped from 99 percent to 50 percent. In states where the universal law was reinstated, helmet-use rates rose to above 95 percent. Motorcycle license lawsEach state has its own requirement for licensing motorcycles or motor-driven vehicles (bikes with less powerful motors). For example, in Colorado: 1- Pass the written test at a Driver's License office, purchase a motorcycle instruction permit, pass a drive test at a Driver's License office or with a 3rd-party tester and pay the fee to add the endorsement to your license.
2- Enroll in a Motorcycle Safety Foundation (MSF) training course and, after successful completion of the course, present your MSF certification card at a Driver's License office. When you present your MSF certification card at a Driver's License office, the written and drive tests are waived. Pay the fee to add the endorsement to your license. Colorado law requires minors under 18 to purchase and hold a motorcycle instruction permit for 12 months before adding the motorcycle endorsement to their license. Minors under 16 must be under the direct supervision of the MSF motorcycle instructor at all times while driving a motorcycle. Motorcycle insuranceIncreasingly, drivers are purchasing motorcycles and "motor-driven vehicles" - bikes with a motor, but less powerful than a motorcycle. Basically, If you use your vehicle on public roads, be sure to carry some form of liability insurance. Call your insurer to discuss options. Colorado requires a minimum amount of liability coverage to pay for damages you cause to someone else, but it's a good idea to talk to your insurance agent or company about additional coverage for you and your passengers. Motorcycle insurance is widely available. Most of the top ten auto insurers offer motorcycle insurance, either as an endorsement to a personal automobile policy or as a separate policy. Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. |
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Updated:
August 20, 2008 3:42 PM
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