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Laine Insurance Blog

How To Make Yourself More Visible on a Motorcycle

One of the most difficult things about driving a motorcycle is the other people on the road. You may be following all the rules and doing just what you’re supposed to do and still have an accident because some dimwit in a car "didn’t see you there." You can’t do too much about other drivers, but you can make yourself more visible so that at least they can’t argue that they didn’t see you. Never assume other drivers can see you. You have to make yourself be seen. 

The Gear To Be Seen In

The easiest way to stand out on the road is to wear bright colors. In a world of concrete gray, stand out by wearing fluorescent colors like bright green or yellow. If you ride at night, you’ll have to work extra hard to stand out in the dark. You can put reflective tape, patches or strips on your jacket, pants, helmet or backpack. They’ll light up when hit by the light of headlights. Consider a white helmet or other highly visible color to make you stand out a bit. Create biomotion by attaching reflective materials to your ankles and feet. The human eye is attracted to movement and this will draw more attention. Make sure all the lights on your motorcycle including taillight and headlights are in working order. Consider upgrading to LED. Refective rim tape will make you more visible from the side. You may want to try a helmet-mounted brake and turn signal light for greater visibility. 

Laine Insurance, Serving Colorado

If you are in Colorado and in need of motorcycle insurance, we at Laine Insurance are happy to help. Give us a call today.

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Will Motorcycle Insurance Follow You on Globetrotting Journeys?

Motorcycles invite adventure, encouraging you to drive anywhere in Colorado and the United States. But when you drive north to Canada or south to Mexico, your motorcycle and motorcycle insurance must meet the guidelines of those countries. The same goes for overseas travel. Our team at Laine Insurance, serving Colorado, will tell you if your current coverage is acceptable.

Does Your Colorado Motorcycle Insurance Cover International Travel?

It depends on your carrier, policy, and country laws. Most of the time, U.S. motorcycle insurance will not cover international travel. You must purchase a separate policy. Names could be motorcycle travel insurance, international motorcycle insurance, or green card motorcycle insurance. Here’s what it may offer for the length of the trip.

  • Liability protection against damage and injuries caused by your motorcycle
  • Theft and damage to your motorcycle
  • Your medical coverage 
  • Trip cancellations and interruptions
  • Accidental death and dismemberment

The limitations and benefits of each depend on the carrier. Specific coverage could be available as an add-on. Examples are motorcycle gear protection, lost luggage, and repatriation. Motorcycle insurance is available for single trips, multiple trips, and group trips.

What Else Do You Need for International Travel?

You will need an international driver’s permit that proves you know how to operate a motorcycle. You must ride the correct bike based on your permit, license, or insurance policy. Some countries may also ask for your home country’s motorcycle license. Additionally, you will need to review your overseas motorcycle insurance policy to make sure you’re following the rules. Examples are wearing a helmet and driving on main roads. Our agents at Laine Insurance will gather the required information you need for a safe trip. 

At Laine Insurance, serving Colorado, we want your motorcycle insurance to be ready for overseas travel. We’ll review your current motorcycle insurance policy to see if your carrier has motorcycle insurance for international travel. We will also gather green card motorcycle policies for viewing and selection in case your carrier doesn’t have the coverage you need. Contact us for more information.

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Exploring Insurance Options for Long-Distance Motorcycle Trips

Embarking on a long-distance motorcycle trip is an exhilarating experience, offering freedom and adventure like no other. At Laine Insurance in Colorado, we understand the unique needs of motorcyclists and are here to help you explore the best insurance options for your journey.

Understanding Your Coverage Needs

Before hitting the open road, evaluating your current motorcycle insurance policy is essential. Consider whether it provides adequate protection for long trips, including coverage for potential accidents, theft, or breakdowns in unfamiliar locations. Comprehensive and collision coverage are particularly important when traveling far from home.

Roadside Assistance and Trip Interruption

Unexpected issues can arise during long rides. Adding roadside assistance to your policy can provide peace of mind, ensuring help is just a call away if you experience a flat tire or mechanical failure. Additionally, trip interruption coverage can be a lifesaver, covering expenses like lodging and food if you’re stranded due to a breakdown or accident.

Customizing Your Policy

Every rider’s journey is unique. Whether you’re traveling solo or with a group, consider customizing your policy to fit your specific needs. This might include additional custom parts and accessories coverage or even increased liability limits if you’re crossing state lines with varying insurance requirements.

Staying Safe and Prepared

Beyond insurance, preparation is key to a successful trip. Regular bike maintenance and safety gear are crucial, and it’s wise to plan your route with rest stops in mind to avoid fatigue.

Ready to Purchase Motorcycle Insurance in Colorado? Reach Out to Us Today

At Laine Insurance in Colorado, we’re dedicated to helping you find the perfect insurance solutions for your long-distance motorcycle adventures. Contact us today to discuss how we can support your journey and keep you protected on the road.

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What are Common Motorcycle Insurance Exclusions?

The State of Colorado enforces stringent regulations for motorcycle drivers, mandating them to have insurance policies that cover minimum bodily injury and property liability requirements. While insurance providers typically pledge to cover liabilities resulting from motorcycle operations, certain exclusions apply in specific situations. If you reside in Colorado and seek clarification regarding insurance nuances, including policy exclusions, the team at Laine Insurance is at your service.

Identifying Common Motorcycle Insurance Exclusions

Insurance premiums for motorcycles are grounded in specific assumptions and calculated risks. Therefore, insurance policies normally exclude coverage for accidents resulting from high-risk or illegal activities. Each insurance company can demarcate behaviors excluded from their policies. Thus, it is crucial to review these exclusions with your agent. Standard exclusions typically encompass riding activities such as:

  • Riding Recklessly
  • Engaging in illegal activities
  • Operating under the influence of alcohol or controlled substances
  • Intentional damage to others’ property
  • Participation in organized races or timed events
  • Intent to cause injury to oneself or others
  • Transporting passengers or delivering products commercially

Notably, your insurance policy must specify authorized users of your motorcycle, while lending your bike to unlisted individuals could invalidate your coverage.

Your policy should articulate its exclusions; consult your agent to understand and accept them. If such exclusions aren’t acceptable, your agent might recommend alternatives or supplementary policies, like race day or commercial vehicle policies.

Laine Insurance: Your Partner for Motorcycle Insurance Coverage

At Laine Insurance, we serve the Colorado community with comprehensive motorcycle and other insurance services. Please drop by our office or call us at 719-696-7923 for further assistance.

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How can motorcycle insurance in Colorado protect someone?

A motorcycle in the state of Colorado can be a great mode of transportation. During the warmer months of the year, they can be a lot of fun to drive. If you are looking to purchase a motorcycle, you also need to get a proper motorcycle insurance policy. This insurance will protect you in a variety of helpful ways. 

Reduce Liability Risks

A way that you can be protected by your motorcycle insurance plan is by receiving in financial damages that come with a liability claim. When you are looking to buy a motorcycle and use it regularly, there will be a risk you could be at fault in an accident. In these situations, you will have to cover the damages that are caused. However, if you do get a motorcycle insurance plan, you will have support so you can cover these costs. This coverage is also required by state law.

Protect Your Motorcycle

You will also want to get a motorcycle insurance plan so you can protect your motorcycle. Buying one of these vehicles can be quite expensive and take a big investment. Fortunately, you are able to protect this investment and asset if you get a proper motorcycle insurance plan. This coverage will offer support so you can replace or repair it in the event you are a victim of theft or accident damage. 

Reach Out To Us

It is always a good idea for people in the state of Colorado to get motorcycle insurance when they are going to purchase one of these vehicles. If you would like to get a new motorcycle insurance plan here, you should call our team with Laine Insurance. When you call our team with Laine Insurance, we can help you assess your needs and build a new complete motorcycle insurance plan. 

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