Welcome to Motorcycles Guide
Kawasaki Motorcycle Repair Article
. For a permanent link to this article, or to bookmark it for further reading, click here.
Motorcycle Insurance
from: JG MashinoChoosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Always ask your insurance agent or company representative which laws apply in your state.
In order to find out what coverage is best for you, it is important to understand all the options available.
Liability coverage
Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn't cover you or your motorcycle. Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle. Whether or not this is included depends on the laws of your state and the company issuing the policy.
Collision coverage
Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.
Comprehensive coverage
Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.
Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your motorcycle. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers or sidecars, you should look into obtaining additional or optional equipment coverage.
Uninsured/underinsured motorist coverage
Uninsured/underinsured Motorist Coverage covers damages to you and your property caused by another driver who either doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured) to cover your damages.
This coverage typically pays for medical treatment, lost wages and other damages. If your uninsured/underinsured motorist coverage includes property damage, then your motorcycle would also be covered under the same circumstances. Check with your insurance professional to see if property damage is included or needs to be purchased separately.
Tips for the cost-conscious rider
Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.
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. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. Its also a good idea for cyclists who have already had accidents.
Maintaining a good driving record with no violations will also help reduce your premiums.
In many northern states, riders may save money by buying a "lay-up" policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if youre a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.
Choose the agent or company that's right for you. If you already have auto insurance, you can contact the same insurer. Otherwise, ask friends, relatives and co-workers where they bought their auto or motorcycle insurance. Your local motorcycle shop may have a company they refer customers to. Or you can check local motorcycle magazines and newspapers for insurance professionals advertising motorcycle insurance.
Source - Insurance Information Institute at www.iii.org
Kawasaki Motorcycle Repair News
Doing it their way - Powersports Business
Doing it their way Powersports Business Founded as an all-brand motorcycle repair shop that also sold Indian dirt bikes, John Sr. and his son opened Newark Motorcycles on Halsey Street in Newark, NJ, in 1974. But the moto-gods hurled curveballs at the duo from the start. |
Vermeulen to Sub for Edwards at Le Mans - MotorcycleUSA.com
 Sport Rider Magazine | Vermeulen to Sub for Edwards at Le Mans MotorcycleUSA.com Bashing away at an MCUSA keyboard for more than half a decade, Madson lends his scribbling input on everything from bike reviews to industry features and motorcycle racing reports. Chris Vermeulen will mark his return to MotoGP at Le Mans. Chris Vermeulen to Sub For Edwards II On CRT Entry Vermeulen to sub for Edwards at Le Mans MotoGP |
LNG carriers drydocking at Ras Laffan reinforce Qatar's position as world's ... - Gulf Times
 Gulf Times | LNG carriers drydocking at Ras Laffan reinforce Qatar's position as world's ... Gulf Times The state-of-the-art shipyard is owned by Nakilat-Keppel Offshore & Marine (N-KOM) and is one of the world's largest LNG ship repair facilities. As part of the Erhama Bin Jaber Al Jalahma Shipyard, N-KOM has successfully completed marine, offshore and ... |
World rolling stock market May 2012 - SteelGuru
World rolling stock market May 2012 SteelGuru Stadler will supply 14 four section Flirts for Münster Mönchengladbach service RE42 at a cost of EUR 75 million, while Alstom has a EUR 140 million contract to supply 28 three section Coradia Continental units for Rhein-Ruhr routes S5 and S8. |
City commission turns down vehicle request - Fort Scott Tribune
City commission turns down vehicle request Fort Scott Tribune During the May 1 commission meeting, Gary Wilson appeared before the panel to request that his Kawasaki Mule be licensed as a golf cart. He told commissioners he reviewed the city ordinance regarding golf carts and believes his vehicle fits the ... |
Donington Park WSBK Friday Quote Machine - SuperbikePlanet.com
Donington Park WSBK Friday Quote Machine SuperbikePlanet.com British riders were, predictably, to the fore, as Leon Camier (FIXI Crescent Suzuki) was fifth and Tom Sykes (Kawasaki Racing team) sixth. Sykes had headed up the first unofficial practice session in the morning. The overnight second row was completed ... |
As grass grows, so does center - Rocky Mount Telegram
As grass grows, so does center Rocky Mount Telegram “We also sell steel Kawasaki hand-held power products and RedMax hand-held products, including blowers, trimmers hedge trimmers, anything you use in your hand.” Dornseif said the company offers personalized service that one can't find in a big box ... |