Assure Your Motorcycle Has Proper Insurance Coverage

Assure Your Motorcycle Has Proper Insurance Coverage

For motorcycle riders, spring signals a time to get the bikes out and hit the roads. But what about insurance?

When it comes to something as important as your motorcycle, it pays to have the proper policy in place. When the earth finally reaches that point in its orbit in which the northern hemisphere tilts towards the sun rather than away from it, spring has come. Like a moth to a flame, motorcycle riders almost instinctually ready their motorcycles and await that perfect spring day where they can finally come out of winter hibernation and ride on the roads once again. Before you go out and ride your motorcycle, you should know if you have the proper motorcycle insurance in place.

  1. The Required Coverages

Most states legally require all motorists to have an insurance policy in place. These laws usually require a minimum amount of liability, bodily injury, and property damage caused to other people if you are found liable for the accident. Underinsured/uninsured coverage may also be required to financially cover damages brought on by another driver who does not have enough or any insurance.

  1. The Optional Coverages

There are plenty of optional coverages which protect you from common dangers that motorcyclists encounter.

Collision – Covers the damage resulting from a collision with another vehicle.

Emergency Road Service – Covers the costs associated with roadside assistance and towing.

Comprehensive – Covers damage brought on by a non-traffic collision like fire, flood, falling object, and the like.

Accessories and Customizations – Covers the cost of replacing your accessories like safety and customized equipment that was added after the purchase of the motorcycle.

A quality motorcycle insurance policy can protect you and your bike from many unfortunate incidents! To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Chips and Cracks: When to Repair Your Windshield

Chips and Cracks: When to Repair Your WindshielIf your windshield gets chipped or cracked, should you repair or replace your windshield? If you can, it’s best to get it repaired. 

Regardless of where you live, your windshield is likely to take a beating. Whether you’re driving behind a street truck salting the away the snow, a construction truck carrying pebble-sized debris, or a branch that all but waited to fall and crash onto your windshield. Windshield repairs are safer for your car; they keep the structural integrity of the vehicle intact and are less costly than a full replacement.

Large and Small Repairs

The bad news is that you have a crack in your windshield; the good news is that smaller chips and cracks can be professionally repaired for less than $100. A good way to measure if you need a repair, rather than a replacement, is by using the dollar bill technique. If you can cover the area of the crack with the bill, then a repair is likely all you’ll need.

The repair process works by injecting a special kind of resin into the chipped area. For cracks, holes may be drilled at the ends of the crack to prevent the further spread, as anyone with a cracked phone screen will tell you that little cracks only get longer and longer. Windshields are made of three layers: a layer of a polymer is sandwiched between two layers of glass. Drilling into, but not through, the plastic takes skilled hands, so it’s best to take it to a professional rather than do the project on your own.

A quality auto insurance policy, with comprehensive coverage, should step in to cover any costs relating to windshield damage! To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

How to Stay Safe on Your Motorcycle This Summer

How to Stay Safe on Your Motorcycle This Summer

Motorcycles are a risk to operate on the road because of their tiny bodies and their speed.

Motorcycles are vehicles that have much less mass than their automobile counterparts. They also do not have a steel frame to protect them from direct collision with another vehicle. Their small size also doesn’t help, as many drivers aren’t looking out for tiny things in their side-view mirrors. Because of all of these factors, motorcycles are dangerous vehicles to maneuver. Driving safely, however, is not impossible. Here are a few tips on how you can you ride a motorcycle and keep you safe while treading the road.

  1. Be Visible

Being visible on your tiny bike is important. Remember that motorists often have trouble seeing motorcycles, and when they do, their reaction time isn’t that great. To ensure that they see you, always make sure that your headlights work and are bright enough to pierce the dark sky. And when you’re about to make lane switches, never assume they see you!

  1. Wear the Appropriate Gear

Wearing a helmet should be first on your list of safety. A DOT approved helmet is the best way to secure your brain’s safety. Concrete and craniums don’t mix very well. Gloves are also something you should invest in; the first thing you do when you fall is put your hands up to break your fall. Going at high speeds plus the pavement will shred your hands. A jacket is something you should purchase as well. A good jacket will protect your skin from the high friction that is produced between your body and the ground.

For more tips on how to ride safely during this season and beyond, contact Miller Insurance Associates in Carlisle, Pennsylvania. We’ll work with you to get you the best motorcycle insurance policy that meets all of your need.