Do You Need Motorcycle Insurance to Protect Your Bike and Yourself? The Importance of having Insurance Outweighs Even the Price and Requirements.
If you have a motorcycle, you know the feeling of freedom and adventure it gives you. The warm breeze as you ride along and the scenery passing by are unique experiences provided by riding a bike. One way to protect those experiences is to make sure to have the proper motorcycle insurance. Marine Agency Insurance offers motorcycle insurance to be able to maintain your sense of freedom and protection from worry. You can ride to your heart's content knowing that if something were to happen, you would be covered. You don't want to put yourself in a bad situation by risking financial devastation in the
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Comprehensive coverage will pay for damage or loss of your motorcycle in the event of something other than a collision with another vehicle. These would be things such as theft, fire, vandalism, a windstorm and colliding with an animal. This is great to have because then you are covered in a large variety of accidents or situations out of your control.
- Bodily Injury/Property Damage Liability
- Uninsured/Underinsured Motorist coverage
- Medical Payments
- Trip Interruption
- Total Loss coverage is paid out at the agreed upon value of the bike at the time of the new policy. There will be no depreciation.
- Rental Vehicle coverage
- On-road coverage for off-road vehicles
Why is it a great investment?
Marine Agency is the number one bike insurer and can provide you with coverage for as little as $75 per year. Because it is relatively inexpensive, you are able to get full and complete coverage for under $250 per year. You are also eligible for additional discounts by taking motorcycle safety courses and associated club memberships. Talk to a professional agent today to help advise you on the best course of action for you to get you properly protected out on the
- DeLovio v. Boit (1815): Maritime insurance policies are within admiralty & maritime jurisdiction of US b/c maritime contracts include charter parties, affreightments, marine bonds, Ks for repairing, supplying & navigating ships, Ks between part owners – etc – AND insurance.
Allstate insurance is the second largest property and casualty insurance company by premiums in the United States. Allstate insurance handles about 12% of the U.S home and auto insurance market. (Allstate, 2014). Many of Allstate’s customers fall under what one could refer to as a traditional selection of insurance for automobiles. Recently, Allstate has noticed a major shortcoming in lifestyle insurance, which includes coverage for motorcycles, boats, and other recreational vehicles, in comparison to its competitors. The motorcycle insurance sector is a 10.4 billion dollar industry and growing (PRWEB, 2012). The U.S. Department of Transportation website reports some astounding figures, including that 5,370,035 motorcycles were registered three years before the article, 7,138,476 motorcycles registered at the time of the article, and grew to 9,477,243 registered motorcycles at the end of 2012 (NHTSA, 2013). It is obvious as to why Allstate would identify motorcycle insurance as a worthy lifestyle product to devote marketing research dollars into in order to develop new strategies for cornering a share of the market.
Rowland, Jefferson, Frederick Rivara, Phillip Salzberg, and Robert Soderberg. “Motorcycle helmet use and injury outcome and hospitalization costs from crashes in Washington State.” American Journal of Public Health 86.1 (1996): 41-42. Proquest (general). Penn Coll. Lib., Williamsport. 4 October 2004. <http://proquest.umi.com/pqdweb>.
Millions of people all over the United States choose motorcycles over automobiles for the thrill, speed, and high performance capabilities. On the other hand, motorcycles are not at all the safest way of transportation. Motorcycles do not provide the passenger with the outer protection that cars provide, therefore, when one crashes, the results are usually much more serious. Injuries to the head are responsible for 76% of fatalities when dealing with motorcycle crashes many of which could have been prevented had the rider been wearing a helmet. For this reason, many states have adopted the motorcycle helmet law. The law states that every passengers must wear a helmet at all times when riding on a motorcycle. This law has created a great deal of controversy. One side supports the law, believing that it protects motorcyclists from danger and saves the economy a great deal of money. The other side argues that the law is unconstitutional and it violates our right to freedom. However, statistics show overwhelming support in favor of the motorcycle helmet law. Although wearing helmets cannot prevent motorcycle crashes, they can greatly reduce the number of deaths caused by head injury as well as lowering taxes, insurance rates, and health care costs. Therefore, the helmet law should be put into effect in every state across the United States.
In society today, it is not uncommon to be surrounded by gangs in our communities. I have recently learned that in my area, we have a local gang known as the Peckerwoods. The Peckerwoods are an Outlaw Motorcycle Club notorious for their hatred towards minorities and earning their income from a variety of illegal practices. In the beginning, when assigned to write about a local gang, I had no idea there were any gangs in my neighborhood so I found this to be intriguing. For this assignment, I was actually able to meet a member of the motorcycle club that allowed me to ask a few questions, and went by the alias “Eddy”. I tried to limit my questions because I did not want to cross any lines. I decided to conduct this interview because he seemed approachable and looked as though he had been involved with the club for a number of years so I decided to take a shot and ask him. He turned out to be a very friendly gentleman, which in my perspective is what these members aim for when creating an image for the public. Below is a summary of my interview conducted with the member:
Short Description Getting insured for everything is a must, even if you are learning to drive. Insure Learner Driver is one of the best places to get learner driver insurance. The company offers a comprehensive range of covers, whether you are practising in somebody else’s car or learning to drive your own car. With decades of industry experience and knowledge, you can rely upon Insure Learner Driver for the best products and services. And, now with an exclusive discount code or deal for Insure Learner Driver, you can save quite a bit of money on your policies.
"Harley-Davidson: At Last" as presented in Hartley's Marketing Mistakes and Successes presents the circumstances around HD's near collapse and since rinse to near mythic success. This case is a great example of marketing myopia; HD saw them-selves as full-size motorcycles' manufactures, not in the transportation, or even the entertainment industry. They believed no one bought motorcycles for transportation, but rather for leisure time use.
Before booking your trip, ensure that the boat owner has liability insurance in case of an accident. If it's not fully covered, you could be left with injuries and medical bills that you'll have to cover yourself. Price You should never go with the cheapest charter available. While you could save a few dollars, you might be getting an older boat with a less experienced crew.
Despite their conception in 1903, Harley-Davidson and the motorcycle industry as a whole didn’t really take off until after the Second World War. Many people rode motorcycles during the war, with Harley-Davidson themselves supplying almost 90,000 motorcycles for the U.S. military during this time. Many veterans chose to purchase motorcycles upon returning home, as they enjoyed riding during the war and wanted to continue riding in their civilian life. This generation known as the "baby-boomers" quickly became the main target audience for many of Harley-Davidson’s marketing efforts. With sales increasing and the industry growing, many "motorcycle clubs" and "rallies" were introduced. Unfortunately, due to the lewd behavior displayed by most people associated with these clubs and rallies, bikers typically had an image of being disorderly and raucous. Harley-Davidson’s image itself took a big shot due to the Hells Angels. This was a motorcycle gang wishing to become notorious for "drug trafficking and other organized crime activities," who used only Harley-Davidson motorcycles. All of this combined to lead to a decline in demand and sales throughout the entire industry during the 1960’s. The industry was really helped out with the release of the Hollywood film Easy Rider in 1969. This film helped change the public’s perception of bikers and sparked an increase in motorcycle demand which has lasted to this day.
Home insurance is meant to protect you in a total loss situation, such as a fire or natural
We think it would be interesting to quote first Harley-Davidson's mission, in order to get a first approach of what is the purpose of the company from their point of view. The mission talks first about dreams, rather than motorcycles, which is what the public has in mind. This mission says:
The debate over whether or not to wear a helmet while riding a motorcycle has been hot topic since the helmet law went into effect in California in 1992. It seems obvious that wearing a helmet would help protect you in a motorcycle accident. Many legislatures agree. In fact, nineteen states have a mandatory helmet law for all motorcycle riders. Twenty-seven states have a law for those under a set age, three of which require additional insurance for those of age who choose not to wear a helmet. That leaves only four states with absolutely no helmet laws. Despite these facts, helmets are a superficial means of safety at realistic speeds. Yet because this is a public policy issue that is not just about health but also about freedom of behavior, the process of law making is complicated.
The following are some guidelines we use to help determine what type of insurance you should buy:
Honda has established a program for its suppliers to strive for improvements in order to meet Honda’s requirements. The goals of the BP program are to improve the relationship between Honda and their suppliers, reduce manufacturing costs, and eliminate product defects. They accomplish these goals by focusing on 5 key areas: Best Position, Best Productivity, Best Product, Best Price, and Best Partners (Bounds and Arnold).
Marine Insurance is defined by section 7 of the Marine Insurance Act of 1909 as: