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Archive for September, 2016

Screen Shot 2016-09-01 at 4.19.44 PMRiding in the wind or doing research on motorcycle insurance!  Insurance research is not something any of us look forward too, but is a necessity.

Getting unbiased information on products and services along with specific pricing can be a challenge.  And we know that motorcycle insurance is not a one-size-fits-all proposition, but should include liability coverage, collision coverage, comprehensive coverage, and uninsured and underinsured motorist coverage.  That last item is key because it’s a well known fact that many riders are underinsured.

Every state requires motorists to carry some minimum level of insurance; this minimum level will vary from state to state. Regardless of the state, however, the minimum level of coverage is only sufficient to cover minor collisions; any collision that is serious enough to send you to the hospital will quickly run over the policy limits, typically within the first few minutes of the collision. Nevertheless, as long as a motorist carries this minimum level of coverage, the motorist is meeting their legal obligations. But the minimum level of insurance is insufficient to cover anything more than a minor collision and because of this motorists who do select this minimum level of coverage are termed “underinsured.”

And if you have the misfortune to be hit by an “underinsured” driver, the driver’s insurance policy will likely be insufficient to cover your injuries.  I’ve learned this first hand and in the last couple of months it was reinforced when Scootin’ America, who was raising money and awareness for the children of fallen soldiers by visiting Harley-Davidson dealers across N.A., was injured by an underinsured driver and life-flight to UPMC Presbyterian hospital in Pittsburgh.  He’s recovering well!

Most know that your motorcycle liability coverage provides financial protection in case you cause an accident. Comprehensive and collision coverage pay for damage to your motorcycle under various circumstances. But, the question to ask is: “Will you get protection if you are in a serious accident with a driver that has no coverage or is underinsured?”

A good policy can protect motorcycle riders and their families from potential financial disaster.

The good folks over at Reviews.com reached out to me with information they pulled together. They’ve spent six weeks creating a guide to walk riders through finding and choosing a policy, including how to decide how much coverage is necessary, which discounts to take advantage of, and how to stay safer on the road. They found three nationwide options that provided the best all-around coverage. You can see their full process and findings HERE and make your own decision about insurance needs. Their stated goal is to get the research into the hands of people who may find it helpful which I’ve offered to help re-post.

Full Disclosure: I have read through the web site, but have not used this service. I have no advertising relationship with Reviews.com.  I received no compensation from Reviews.com or an insurance provider for posting this information. I’m passing along the insurance advocacy information to help protect motorcycle riders and their families. Reviews.com does have an advertising relationship with some of the insurance offers included on their review page.

Photo courtesy of Reviews.com

All Rights Reserved (C) Northwest Harley Blog

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Screen Shot 2016-09-01 at 11.50.13 AMI had someone ask me recently, “Are you going to vote, Mac?” I gave a flippant answer along the lines of, “Can felons vote?” Comically looking to avoid any follow-on political conversation. They responded that they were a democrat.

They missed my point.

Unless you live under a rock you know it’s Presidential election season and that means 24×7 politics. It’s become a favorite sport for the talking heads and something that at times is difficult to watch.  The two parties are worlds apart and each convention had one shameful, but perfectly legal thing in common. Both events and some follow on rallies included protesters burning American flags.

It’s always hard for me to watch that type of demonstration, let alone understand.

And speaking of Colin Kaepernick, who was spotted sitting during the national anthem before a pre-season game… who described in post-game interviews his decision to not stand as protest for what he feels is racial injustice.  Come on, who doesn’t expect there’s a camera everywhere these days? In fact, Kaepernick didn’t stand for the first two pre-season games of this year prior to last weeks display. He wasn’t in uniform, so no one including the media took notice. Or if they did, they didn’t care because Kaepernick is struggling to reclaim lost magic on the field.

Kaepernick is just an athlete, not my role model, but since the NFL has to sell advertising, the media and talking heads, get on the bandwagon and venerates these overpaid people so out of touch with the reality of middle-america.  True that they have pursued their sport for their entire lives, But the talking heads lead us to believe they’re better than us.

They’re not.

I’m not saying we have to like the work of those who make it, but you do have to admire their perseverance and all the hard work they put into making it.

Over the years I grew to respect the American flag more than I ever had as a child.  It wasn’t that I had become more patriotic; it was brought about in later years seeing military honor guard and flag-draped caskets of veteran relatives and friends.  I gained a better appreciation of their patriotism and the artifact of the family pride in how each had served their country which resonated.  I believe you should stand during the national anthem and take your HAT OFF.

People died for that flag, but I’m not here to give Kaepernick a lesson in patriotic etiquette. I’ll sit that one out.

My relationship to the national anthem and what the American flag means reminds me of another philosophical orientation related to the outlaw motorcycle club patch.  A creed of love, loyalty and respect for what a club patch represents to it’s members. It’s the same throughout the motorcycle club world.  There are basic rules to follow, which are really just common sense. You never let it hit the ground, you don’t conduct yourself in a unbecoming manner, never let it be disrespected and never let it be taken from you.

I’m not a member of an outlaw motorcycle club or have a patch to defend, but I hope to God I will always have that American flag!

Photo taken at Northwest HOG Rally – Spokane, WA.

All Rights Reserved (C) Northwest Harley Blog

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