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Motorcycle Insurance for Safe Bikers

May 26, 2021 By Monte Burstad

Harley Davidson Motorcycle

As the weather warms up and motorcyclists hit the road, it’s an excellent time to review some basic motorcycle road safety for both riders and the drivers sharing the road with them. May is Motorcycle Safety Awareness Month – but remember, motorcycle safety is important all year.

Motorcycle Safety for Car Drivers in Wisconsin

According to the NHTSA, “When motorcycles and other vehicles collide, it is usually the other (non-motorcycle) driver who violates the motorcyclist’s right-of-way.”

Research has shown that drivers who have friends and family members who ride motorcycles are more likely to notice motorcycles on the road and less likely to hit them. This may mean that drivers can train themselves to be more aware of motorcycles.

  • Look for motorcycles. It’s easy to miss motorcycles when you’re not actively looking for them. Don’t just look for other cars. Make a conscious effort to look for motorcycles.
  • Pay attention to the road. If you are distracted by your phone, you are even less likely to notice a motorcycle – until it’s too late. Food, music, passengers, and other activities can also become dangerous distractions. Give the road your full attention.
  • Be aware of your blind spots. Because motorcycles are smaller than cars, they are more easily concealed in blind spots.
  • Give motorcycles plenty of space.
  • Be especially careful when changing lanes or turning.

Motorcycle Safety for Motorcyclists

The NHTSA says that more than 5,000 motorcyclists died in 2019. To prevent becoming another statistic, motorcyclists should take basic safety precautions, starting with meeting Wisconsin’s motorcycle licensing requirements.

Before you get on a motorcycle, you need to add a motorcycle license endorsement to your driver’s license. The exact requirements for this will vary from state to state. Still, it will usually involve a written test, and it may also involve an on-cycle skills test or a motorcycle rider education course.

This licensing requirement is more than red tape. It ensures that you know how to ride safely – and that knowledge could make the difference between life and death. The NHTSA says that 30% of the motorcyclists who died in 2019 did not have a valid motorcycle license.

Motorcycle Helmet Safety

A helmet protects your head. The visor also protects your eyes. If anything goes wrong, the right helmet could save your life.

Before selecting a helmet, make sure it meets the U.S. Department of Transportation’s (DOT) Federal Motor Vehicle Safety Standard 218 by checking for the DOT symbol on the outside back of the helmet. You can also look for Snell and ANSI labels inside to helmet to see if it meets the standards used by those nonprofit groups.

Motorcycle Safety for Passengers

Before you get on a motorcycle as a passenger, make sure you know what you’re doing. The NHTSA recommends the following safety tips:

  • Get on the motorcycle after the engine has started.
  • Don’t get off until the driver instructs you to.
  • Sit directly behind the driver and as far forward as you can.
  • Keep your feet on the footrests and away from the muffler.
  • Hold onto the driver’s waist, hips, or belt.
  • Try not to move unnecessarily and lean in the same direction and at the same time as the driver.

Some states have age restrictions on drivers. In these states, children under a certain age are not allowed to ride as a passenger on a motorcycle.

Make Each Ride a Safe One

Before heading out, it’s important to know the weather and road conditions.

You should also check your motorcycle before each trip. The NHTSA recommends checking the tire pressure, tread depth, brakes, headlights, signal indicators, and fluid levels, as well as looking for signs of oil or gas leaks. Cargo should be secured and balanced.

The clothes you wear also matter. In addition to your helmet, leather clothes can provide protection, and bright colors can help ensure that you’re visible. Select footwear that covers your ankles, and wear gloves that provide a good grip.

Once you’re out on the road, look for road hazards. Construction work can result in debris being in the road, so use extreme caution or find another route. Always pay attention to the road and follow the rules of the road, and never drive while under the influence of drugs or alcohol.

Motorcycle State Laws

Motorcycle laws vary by state. For example, some states require helmets for all motorcycles, while some only require helmets for minors, and some don’t have any helmet requirements at all. States may also have laws requiring eye protection. Regardless of the legal requirements, it is always smart to wear a DOT-approved helmet when riding a motorcycle.

In Wisconsin, helmets are required for all riders ages 17 and under.

According to the Motorcycle Legal Foundation, states may also have other laws that pertain to motorcyclists, including noise restriction laws that require a muffler, laws that prohibit lane splitting, and laws that require the use of daytime headlights.

Don’t Forget About Motorcycle Insurance

Motorcyclists are typically required to maintain motorcycle insurance under state law. Even if you have car insurance, you will need to purchase motorcycle insurance, although you may be able to bundle coverage to save money.

State law will determine the minimum coverage types and limits that you need to carry. This will usually include bodily injury and property damage liability. You should also consider purchasing additional coverage to protect yourself and your motorcycle. Motorcycle accessories and upgrades may not be covered under a standard policy, so make sure you have the coverage add-ons you need to keep your motorcycle fully covered. If you drive a Harley, you may be interested in upgrading your insurance to cover custom chrome and paint, as well as your favorite accessories.

If you get caught riding your motorcycle without motorcycle insurance, you could face expensive tickets and fines. You may also face license suspension and other more severe consequences. Even worse, if you get into an accident, you won’t have the coverage you need.

Don’t take that risk. We can help you find affordable motorcycle coverage in Wisconsin. Contact us to learn more and to get a motorcycle insurance quote.

Author

  • MOnte Burstad
    Monte Burstad

    Monte Burstad is the owner and an agent at Burstad Insurance in Menomonie, Wisconsin. He can be reached at 715-235-6479.

    View all posts

Filed Under: Motorcycle

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Cindy H.
3 weeks ago
recommends
Jacque and team are the best! They work hard to find the best deal for you and always have your best interest in mind. I highly recommend!!
Susie D.
5 months ago
We appreciate Missy and all she does for our insurance needs. Very prompt and professional.
Traci L.
8 months ago
Burstad Insurance’s River Falls location is responsive, cares about my personal circumstances, and takes the time to explain coverage options so I have the context I need to make informed decisions. Highly recommend!
Andrew Z.
11 months ago
Had a positive experience until I had to cancel my insurance with them due to moving out of state. Update: The agency addressed all of the issues quickly and in a positive manner, thus changing my review to fit my overall experience.
Margie M.
1 year ago
Outstanding service and very knowledgeable representative.
Jeremy B.
1 year ago
If I could give 0, I would
Eric C.
1 year ago
Do not do business here. We were mislead about the coverage provided to our business by Missy Kraemer. When this came to light, we went to change providers and find adequate coverage. Missy acted extremely unprofessional and refused to send us the documents we needed! She said it wasn't her job to help us. A terrible experience with a rude, unprofessional person. Do yourself a favor and find literally any other insurance provider.
Sam C.
2 years ago
After waiting a week for someone to get back to me about my request for quotes, they sent me an email saying “We can’t find you coverage because you have a pitbull mix dog. Sorry.” Which doesn’t make sense because somehow I currently have insurance and I’ve gotten 3 quotes on my own now that will all cover my dog. Complete waste of time.
Rellen H.
2 years ago
recommends
Friendly, proactive. Summer is very good at finding options and explaining changes to the insurance industry.
Jr S.
2 years ago
Such nice people I love the insurance rates so amazing.
carrie M.
2 years ago
Thanks for your always friendly and fast service! I appreciate what you do!
Kathleen T.
2 years ago
Bursted has had my business for years. When I lived in town, I appreciated stopping in to get quotes so I could talk to the owner about business and community. The staff is helpful and friendly, and I appreciate how patient they are when answering my questions about insurance. Insurance is not my favorite adult chore to tackle, but everyone at Burstad makes me feel like I’m connected to a human that knows how to explain what will serve my needs. They’re also a brokerage and have the ability to check multiple providers at once for you! Yay!!!
Nick E.
3 years ago
Great customer service and caring staff.
Tammy T.
3 years ago
We too had a horrible experience with Doug! Unfortunately we had to find out the hard way when we had a small fire/smoke damage in our office space. Not only were we under insured, we were overcharged on our commercial policy for years!!!!! He and the owner of this agency were absolutely zero help when it came to dealing with this claim, the tenants insurance company and the insurance adjuster that would never return our calls, it was a complete NIGHTMARE! We were all on our own and we feel that once this happened, they knew that our agent screwed up when it came to this policy that he put together or lack there of and thought if they would just ignore us we would walk away. Not only did we walk away, we ran!! Had 3 other agents review it and could not believe how much we were under insured and several gaps in the policy that were missing, like loss of income, loss assessment coverage, just to name a few, things that are no brainers when it comes to commercial insurance. The only good that came out of this entire experience is that we learned alot about insurance and now have a very competent agent that physically went to all our properties, took pictures and sat down with us, at our home and a 3 page checklist to see what we needed or didn't need for our insurance needs. He even pointed out that our agent had our rate almost 3 times higher than it should have been, meaning we were getting ripped off, big time!!! We would have filed a complaint with the insurance commissioner of WI but reviews said not to waste your time, they wont do anything. Now we have double the coverage for our properties for HALF of what we were spending with this agency. Oh and our home and auto policy was lacking as well but was also reviewed and now has the proper coverage for our needs. Our advice, go somewhere else for your insurance so this doesn't happen to you!! This agency doesn't even deserve 1 star!
Jeanne R.
4 years ago
I really appreciate their friendly, prompt and knowledgeable assistance. We have been with them for years, and are consistently happy with their service.
Sephonia T. C.
4 years ago
This insurance company allows its employees to be racist. Doug treated me as if someone had a gun to his head every time he dealt with me. During a conversation I overheard him call me the “N” word and say how he wish he didn’t have to deal with my kind. The new management didn’t care how I was being treated so I switched insurance agents all together. Furthermore, I have asked numerous times for them to STOP harassing me by sending me emails and mailings but they have refused. I unsubscribed 4 times from their emails but the emails keep coming 2 years later. I’ve made numerous phone calls asking them to remove me from their lists but that hasn’t happened yet either!!!. My next step is to file an official report of Harrassment with the state of Wisconsin. I wouldn’t use this company to insure bubblegum lil less a boat, car or your home. I’d give them a zero rating if I could. There’s no place for racism in this world.
Roxanne S.
4 years ago
Valorie provided excellent service and quickly found us the best insurance policy and rates available. Thank you, Burstad Insurance!
Mindy A.
4 years ago
Family and Burstad worked their magic and found insurance even cheaper than what I was paying. They are very responsive when adding or changing things to a policy and they stick up for their customers when a bank may try to manipulate the home insurance for no apparent reason. Well done Burstad. I highly recommend.
Jason W.
4 years ago
Good service they work at finding you the best insurance
Dale B.
4 years ago
Easy to work with
Carla O.
4 years ago
Good insurance company
Happy Home I.
4 years ago
Easy to work with and great rates. Sent a lot of friends here. All are happy with it!
Dave T.
5 years ago
Melissa and her staff have always treated me right! Often finding better rates for me! Thanks
Kevin J.
5 years ago
recommends
They are very responsive in addressing all of my insurance needs, and I always feel they are doing what's in my best interests.
Tammy Hjermstad V.
5 years ago
doesn't recommends
Very difficult to try to make contact. Insurance Policy Letterhead says that the website is www.nr-ins.com. But this doesn't get me anywhere. Tried to google New Richmond Insurance, and about 20 companies show up. I didn't realize that this is now called Burstad Insurance. Finally found it on facebook, but they don't monitor that account, and don't respond to messages posted on that account.

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