Posted in Advertising, Harley-Davidson, Motorcycle, Organizations, Products, tagged collision coverage, comprehensive coverage, cover injuries, H-D, Harley, Harley-Davidson, HD, legal obligations, liability coverage, MC, minimum level of insurance, motorcycle insurance, policy limits, Reviews.com, Scootin America, underinsured coverage, underinsured motorist coverage, uninsured coverage on September 2, 2016|
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Riding 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
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Posted in 2012 Models, Charitable Cause, Dealer News, Harley, Harley-Davidson, Latest News, Living Life, Motorcycle, Safety, Veterans, tagged Accident, Adam Sandovalas, Chihuahua, Children of Fallen Soldiers, H-D, Harley, Harley-Davidson, HD, Jen Hoyer, Motorcycle, motorcycles, PDX Speed Shop, Safety, Scooter “Trash” Sandoval, Scootin America, Travel, U.S. Media Relations Manager, Veterans, Vets on July 8, 2016|
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I never had the opportunity to meet or hang with Adam Sandovalas and Scooter “Trash” Sandoval, his Chihuahua. He’s traveling around the U.S to every Harley-Davidson dealership raising money and awareness for the children of fallen soldiers. Basically it’s a ride, stop, meet and greet, throttle up to the next dealer and repeat. You can follow along on his web site at Scootin’ America.
Similar to the USPS slogan, neither snow nor rain nor heat nor gloom of night will keep Adam and Scooter from the swift completion of his task.
I remember seeing a Facebook post back in June of Adam and Scooter stopping at PDX Speed Shop
and recall thinking it would have been cool to shake his hand and listen to a couple of his stories on this cross country adventure. I admired the fact that here is a person willing to put his personal life on hold and do what he believes in to get the job done.
Many of us have thought about doing something similar or noteworthy on our motorcycle. I’ve heard and been part of the discussions in my own riding circles. Take a couple months to do this or a bucket list dream ride of doing that, but more often than not we stop – just short of pulling the bike out of the garage.
Adam has dedicated a couple of years time to ride thousands of miles on his 1996 Harley-Davidson Electra Glide and spread the word benefitting those who need a hand. I could drone on about Adam and his accomplishments, but this has already been done. I could write about his dedication to see this project through to the end and his drive to make a difference, but there are plenty of photos of the endless handshakes and well-wisher’s.
What I really wanted to bring attention to is that on July 2nd, on the way to one of the first Harley-Dealer stops of the day, a lady driving in oncoming traffic came across the center line and hit Adam. Scooter was okay, but they Life-Flight Adam to the UPMC Presbyterian hospital in Pittsburgh where he was admitted. He was stable and underwent surgery on July 3rd. He is progressing well given the situation and started the first day of physical therapy on July 5th. If interested you can follow his updates on his Facebook page HERE or on his Twitter page HERE.
His stated goal is to fix himself up along with the Harley and complete his mission for our soldiers. If you want to know how-to-help please visit HERE.
To read that Adam wants to get back out there and finish the task got me to thinking that innovative marketing is the underbelly of Harley-Davidson success and wouldn’t it be cool if they provided a bit of positive outreach and started a fund to loan or buy him a new bike! This is something that would clearly serve all and is a win-win-win.
Harley-Davidson’s U.S. Media Relations Manager is Jen Hoyer. If you have some passion about this her contact info is HERE
Photos are courtesy of Scootn’ America.
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