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Must Know Motorcycle Road Safety Tips

Riding a motorcycle is rather dangerous, at least compared to driving a car. That said, with proper diligence and practice, you can greatly reduce the risk of suffering an accident. We’re going to cover some tips for increasing safety that every motorcycle driver should consider.

If you do own a bike, you should get the right motorcycle insurance plan. If an accident occurs, even if it’s no fault of your own, you may be facing some hefty bills.

Get in touch with Anthony Lancaster Insurance Inc, serving the greater Memphis, TN area, if you have any concerns.

Tips For Increasing Safety While Riding Motorcycles

First, you need to make sure you’re wearing the proper gear when you ride a motorcycle. Every motorcycle rider should wear a helmet. If you get in an accident and you aren’t wearing a helmet, the risk of a serious injury increases. Riding suits are often wise as well and could protect you from road rash.

Weather can have a huge effect on your riding. If you ride in the rain, the risk of wiping out may increase greatly. Strong winds too could knock you off. So before you suit up, make sure you check your favorite weather app.

Situational awareness is vital for motorcycle riders. Often, motorcycle riders aren’t the ones causing accidents. Instead, people who are texting and driving, or otherwise not paying attention, may hit you or cut you off. Great situational awareness may greatly reduce risks.

You also need to pay close attention to your bike and should make sure it’s well-maintained. If the brakes wear out or tires are losing their grip, it could cause an accident.

Make sure you speak with an insurance agent about motorcycle insurance. You’ll want liability coverage in case someone else gets hurt. High coverage to cover any medical bills resulting from a crash is wise. Protecting your property is important too.

Contact Anthony Lancaster Insurance Inc, which serves the greater Memphis, TN area to learn more about motorcycle insurance.

Motorcycle Insurance Requirements

In Tennessee, residents aged 16 years and above can operate a motorcycle. It’s crucial to get motorcycle insurance before hitting the road. The right insurance will protect you and other road users. 

If you’re in Memphis, TN, check out Antony Lancaster Insurance Inc. for your motorcycle insurance. You might want to know more about this insurance to guide you through making a purchase. 

Here are some motorcycle insurance requirements that you should know. 

Bodily Injury Liability Insurance 

If you’re the at-fault party in a car accident, you’ll be liable for the other person’s injury. The state requires you to have bodily injury liability insurance to cover their medical expenses and any lost income resulting from the injuries. 

Property Damage Liability

Property damage insurance is a requirement for motorcycle insurance in Tennessee. It covers the financial liability when one gets into an accident leading to someone’s else property damage. Some things covered under this insurance include:

  • Repairs for the other party’s vehicle 
  • Fixing destruction caused on other businesses, fences, houses, and mailboxes, among other damaged property
  • Legal fees
  • Recurring expenses from the damage

Multiple Fatality Coverage 

The coverage limits for multiple fatalities are often double the coverage for one person. It would help to seek clarity from your insurer to know more about single liability coverage and multiple liabilities. 

Motorcycle insurance has several coverage options to protect you and other road users. While bodily injury and property damage are a priority, consider comprehensive coverage to address your motorcycle’s damage resulting from vandalism or theft. 

Anthony Lancaster Insurance Inc. in Memphis, TN has some of the market’s leading motorcycle insurance options. Contact us today to learn more about our motorcycle coverage and get insight into how it can benefit you.

  • Grange Insurance
  • Liberty Mutual
  • Nationwide
  • Progressive
  • Safeco
  • State Auto
  • Stillwater
  • The Hartford
  • Travelers