Tag Archives: motorcycle insurance

Heading to Sturgis?

Motorcycle trips

Whether you’re taking your Harley and heading across country, or just hitting the Wisconsin back roads, we want you to be safe this summer. Here are a few top tips:

No one’s too old to wear a helmet

The bottom line, a motorcycle rider not wearing a helmet is 40% more likely to sustain a fatal head injury in a crash than a rider with a helmet.* Wear other protective gear as well: heavy leather or synthetic gloves, long pants and jacket, and over-the-ankle leather boots.

In a crash, the SUV wins

When cars and motorcycles collide, it’s usually because the driver of the car failed to see the cyclist. With more SUVs on the road, it’s even more critical to take extra steps to become more visible. Use your headlamps—both night and day—and wear yellow, red, or orange jackets to make yourself easy to see. Make a point of positioning yourself in your lane for visibility.

New Gear? Update your policy

Some companies (Safeco for instance) offer special coverage for custom parts and equipment—but you have to make sure each piece of equipment is listed on your policy and/or that you have receipts. Any time you buy new leathers or customize your bike, call the Insurance Center of Milwaukee at 414-744-6614 or email info@insurancecentermilwaukee.com before you head out on the highway.

Driving after Dark

A little extra caution can go a long way while driving at night

 Summer has ended, and while fall and winter have their own pleasures — including football, skiing, holidays with family — longer nights mean increased danger on the roads.

You might drive well at night, but consider this, nighttime driving accounts for just 23% of vehicle miles traveled, but more than 50% of fatalities for vehicle occupants 16 and older occur between 6 p.m. and 6 a.m., according to the National Safety Commission (NSC).

We’re big advocates for safety at the Insurance Center of Milwaukee and thought it would be helpful to take a look at why night driving is more dangerous, and what you can do to decrease that danger.

What’s dangerous about night driving?

  1. Decreased vision. We won’t go into all the biological details, but parts of the eye work differently at night. Your peripheral vision is actually slightly improved, but it’s more difficult to focus on objects ahead of you. Traveling between well-lit areas and darker roads creates issues as well.
  2. Driving too fast for your headlights. Depending on vehicle speed and headlight setting, many people “over-drive” their headlights. That means, by the time they see something on the road, it’s too late to stop in time to avoid it.
  3. Impaired judgment. Whether due to drowsiness or the use of alcohol or drugs, it appears that drivers at night often don’t use good judgment. According to the NSC, 66% of fatalities at night involve vehicle occupants who weren’t wearing seat belts.

So what do you do?

Sometimes, there’s no way around driving at night. Here are some tips to help you make a safe trip — whether you’re just running to the store, or you’re headed all the way to the Dells for a weekend.

  1. Make sure your vehicle’s lights are in good working condition. Headlights, turn signals, taillights, etc.
  2. Avoid speeding. Leave a bigger cushion between you and other cars than you would during daylight hours and give yourself more time for the trip.
  3. Be more aware of your surroundings. You shouldn’t be using your phone, messing around with the radio, or trying to find something on the floor while you’re on the road during the day — and distractions are even more deadly at night.

 Of course, if you’re not comfortable driving at night, the best thing is to avoid it altogether. There’s nothing wrong with asking for a ride from a trusted safe driver or waiting for the sun to come out!

We’re open during the day!

When you’re driving around during the day, stop in at the Insurance Center of Milwaukee for a review of your coverage. We won’t keep you after dark, we promise. Or just give us a call at 414-744-6614. We’re here to help!

Motorcycle Safety

A different season means different dangers for motorcyclists

 Fall is a wonderful time to be outside on your bike, thanks to the crisp, cool weather and changing colors of the landscape. Staying safe on the road in autumn requires some special precautions. We at the Insurance Center of Milwaukee want you to be around to enjoy the beauty of the open road, even in the Fall, so we’ve put together some great tips for you.

Be vigilant about visibility

When Fall rolls around, the days are getting shorter, which means your late-afternoon ride can turn into an evening ride very quickly. Carry proper reflective gear, along with replacement bulbs, and any other basic equipment that can help ensure your visibility. Keep in mind that the sun is lower in the sky, so the glare may make it harder for you to see the road – and for other drivers to see you.

Keep cool, but not too cool

In Wisconsin, conditions can change quickly. Even on a warm day, a cold night might be just an hour or two away. So pack your cold-weather gear when you head out, and beware of frost and ice on roadways – particularly on bridges.

Consider the conditions

Roads in the Fall can present a number of dangers. Rain can make roads slick, and standing water can cause you to hydroplane or lose control. Lower temperatures can bring frost, ice, or even snow.  Those beautiful autumn leaves can be a hazard when they start to fall off the trees and onto the road as well.

Beware of deer

Fall also brings an increase in deer activity, so be extra vigilant, particularly in rural areas. Deer tend to be most active around dawn and dusk when visibility can be limited. Pay attention to deer crossing signs and always be alert to your surroundings.

Fall can be one of the best times to ride, but also one of the most dangerous. So take a little extra care and maybe a little extra time. Doing so will help you stay safe while you take in the scenery.

Other safety resources

The Motorcycle Safety Foundation (http://www.msf-usa.org) is a great resource to learn more about safety gear and motorcycling in general, as is the American Motorcyclist Association (www.americanmotorcyclist.com). Remember, we’re here to help too! If you have questions about insurance coverage for your bike, or want more safety resources, give us a call at 414-744-6614 or email info@insurancecentermilwaukee.com !