Despite the good news that motorcycle fatalities are trending down in recent years, motorcycle riders still represent a disproportionate share of traffic fatalities. May is Motorcycle Safety Awareness Month, a good time for riders and those who share the road with motorcyclists to double down on safety as we all get ready for the warmer weather and summer road trips. Here’s a guide to important information that you need to be prepared and to ride safely, as well as to comply with licensing, insurance and other legal requirements. .
If you operate your motorcycle on public roads, you must register it with your appropriate state authority and must be licensed to drive it.
State-by-State Guide to Motorcycle Laws – helmets, headlights, passengers, noise restrictions and more
III: State Motorcycle Helmet Use Laws (chart form)
Most states require that you carry at least a minimum insurance coverage – Florida, Montana and Washington are exceptions. Those states that do require insurance vary as to coverage requirements; most require a minimum of liability insurance to cover bodily injury and property damage.
Whether required or not, we think it’s pretty risky to go without coverage. Should an accident occur resulting in an injury or property damage, without insurance, you are on the hook. In fact, it is generally worth looking into expanding your coverage beyond the minimum. Options to consider are comprehensive and collision, which would cover other potential losses, such as replacement if your bike were stolen or damaged.. In some states, uninsured/under-insured motorist coverage is required; in others, you may be required to have specific coverage for passengers.
Motorcycle owners sometimes ask if they can cancel insurance in the winter when they aren’t riding but that can be risky and leave you exposed if the bike is stolen. Some insurers offer winter lay-up insurance options.
Talk to your independent insurance agent, who will be able to recommend the best coverage for your local requirements and your particular circumstances. Be sure to ask if there are any discounts that you may qualify for, such as for bundling multiple policies, for being a safe driver, for having participated in training, or any other circumstances.
For more, see the Insurance Information Institute (III): Find the right coverage for your bike
The Motorcycle Safety Foundation is a valuable resource. It is a not-for-profit resource, internationally recognized for comprehensive, research-based, Rider Education and Training System (RETS), which promotes lifelong-learning for motorcyclists and continuous professional development for certified coaches and trainers. MSF also actively participates in government relations, safety research and public awareness campaigns.
Check for available trainings and download their popular guide, You and Your Motorcycle: Riding Tips. Check out their other guides for three-wheelers, scooters, off-highway riding and more.
NHTSA: Motorcycle Safety
Choose the right helmet – how to find the right fit for safety
Helmet safety ratings – Make sure your helmet has the DOT symbol on the outside back; this means it meets Federal Motor Vehicle Safety Standard (FMVSS) No. 218.
NHTSA: Safety Issues and Recalls – search by VIN
Consumer Reports: Motorcycle Buying Guide & Ratings
Reprinted from Renaissance Alliance – no usage without permission.