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Advice required on motorcycle insurance claim please? bike stolen?

Hi, my bike was stolen recently and I’m in the process of submitting an insurance claim however on my policy it clearly states “kept in locked building.” My bike was taken from my driveway during the night, it was locked and had a cover on it, it’s not a small bike and would have taken at least 2 to 3 strong guys to lift into a van etc, I’m quite sure it was taken with the lock still in place as there wasn’t any evidence of bits of lock, brake disc etc on the driveway in the morning, all these details are on the police report, which the insurance company will obviously have access to. Does anybody know where I stand with regards to my claim? or has anybody been in a similar situation?
If I’m not going to be paid out A) I’ve lost the value of my bike and B) My car insurance will also go up at renewal even if I don’t get paid !! I’m livid !! Please Help!!

OK so strictly you did not comply with the terms of your insurance that is “in a locked garage”

Now you may well have just got home and briefly went inside the house with the view of putting the bike away before retiring to bed and simply forgot but who is to say at what time you get home. Could have been 12 hours before the theft or maybe 12 minutes if you get my drift. You might have just finished your “late shift” and got home at say 2am

Under this circumstance you would be responsibe to have secured your bike in the locked garage before finally going to bed. However if you were to have been going out a while later maybe after a shower then you might have left the bike out to re-use

It’s all in the wording

Good luck and I hope you either get the bike back or the claim settled

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Get Your insurance Facts In Orange County Before Hopping On A motorcycle

If you live in Orange County California and have considered purchasing a motor cycle, research the law and insurance facts before buying. There are differences in California law regarding motorcycles as opposed to autos, as well as differences in how insurance companies will quote a premium for the bike. So, before calling Orange County Insurance Companies for quotes, research some of the basic differences in law between the two modes of transportation.  

The law regarding the use of motorcycles on California roads might appear (to the uneducated eye) to allow more protection for the automobile driver than the motorcyclist. In actuality though, this is not really true. However, to a motorcyclist that has just survived an accident in which an auto was involved; he may argue the point. There is solid evidence to substantiate the fact that more severe injuries generally occur to the motorcyclist, in a motorcycle/auto accident, than to the driver of the car.   

Accident history throughout the USA will invariably show that victims or witnesses of an auto/motorcycle accident will typically place the blame on the motorcyclist.  There is no solid explanation for why this happens but perhaps the reason is just basic human nature? Most people would have to admit that at some point they have resented a motorcyclist who is fearlessly zipping in an out of traffic, splitting lanes and speeding. In one’s opinion, it seems that the motorcyclist is not even conscious of basic traffic safety rules while simultaneously making more noise than one’s ears can handle. Therefore, when the source of the irritation winds up in an accident five miles up the road, naturally everyone wants to believe that the motorcyclist is the one at fault. So, when you call the Orange County Insurance Companies in search of the right agent, make sure that he specializes in motorcycle policies for assurance that you have adequate protection.

An agent that knows motorcycle insurance will be familiar with issues that should be of concern to you once your bike is on the road. He will be able to explain some fundamental requirements that the insurance company needs. These requirements will differ somewhat from basic car insurance, so ask questions.

An agent not specialized in the needs of the motorcyclist might also fail to advise you of available discounts.  For instance, if the motorcycle is stored in a garage, if you belong to certain riding groups, or if you have completed a safe rider course, all might allow for a discount on your premium.  So before you originate a loan or pay cash for that hot Hog, call a few Orange County Insurance Companies.  Takes the time to understand the provisions in your policy, especially regarding accident claims. Once that is done, sit back on that easy ride and enjoy the beauty and splendor of Orange County to its fullest.

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Where could i find a NY motorcycle Permit test ?

I’m form NY and i want to apply for a Motorcycle permit, but i have first to study the questions and answers, so I’m looking for a free website to download it, Please help me get it. Thanks.

Whatever state you’re in, the website for its DMV should be where you look first. The link to the online version of the NY motorcycle manual is contained in the link below.

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life insurance policy cash value to buy a motorcycle?

I have a life insurance policy that was taken out on me when i was born. I am now 19 and it has some cash value and i want to use it to buy a new motorcycle. Is this a very good idea?
3000 or 4000′s not gonna pay for much.
The policy transfered into my name when i turned 18. I called and asked and they said it has about that much money that i can “barrow”

You can BORROW the “cash value” and it will deplete the death benefit by that amount.

The “loan” will then accrue interest but if the interest on the cash value is more than that of the loan, it can still be worth something when you die. If you have a policy that buys “paid up additions”. the death benefit can increase over time.

Usually pretty cheap way to obtain money – especially since your parents or grandparents probably paid the premiums initially when you were young.

Good luck, ride RESPONSIBLY and I hope this helps!

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Men’s motorcycle Jackets

As an avid biker (whether you are just starting out or have been on the road for a long time) you know that your riding attire is just as much a part of your gear as your bike itself. You rarely think about biking any distance without also thinking about your motorcycle jacket.

There’s no question that with your motorcycle jacket style is important. But while it’s important to look good and be comfortable on your bike, the primary purpose of your motorcycle jacket is protection. Your motorcycle attire is essentially another layer of skin that provides a cushion should you ever lay your bike down.

A crash is only one type of protection that your attire provides. In a car you are encapsulated by windows and a roof, on a motorcycle, you are in direct contact with high winds and flying debris. Even if your bike has a windscreen, you can still feel the wind and be hit by bugs or other unexpected flying objects.

Aside from the added protection, you can get the right jacket to provide optimal comfort for riding in any kind of weather. Motorcycle jackets are designed to let you add or remove layers depending on the temperature. In fact, some motorcycle jackets come equipped with heating elements for when the temperature really drops. They also have specialized lining for additional padding that can be removed when it gets too hot.

For your motorcycle jacket you can choose between a fabric and a leather jacket. Textile jackets use a soft cloth or mesh fabric that is light weight and can accommodate padded inserts and even a hoodie. Leather jackets have features that are similar to the fabric jackets. These jackets are vented to prevent you from becoming overheated while riding in warm weather. Still, temperatures can change rapidly and during an extended ride and you can close off the vents when you need.

Because storage space is limited on a motorcycle you don’t always have the luxury of carrying items that you might need on a long trip. This is why leather jackets have multiple zippered pockets for carrying various motorcycle accessories and items such as your wallet, sun glasses, and cell phone.

In comparison, leather motorcycle jackets are more costly than textile. However, with safety being a major factor, they are more durable. With proper care and weather proofing, your leather jacket is more resilient to extreme weather conditions and frequent use.

Naturally you spent a lot of time researching and learning about bikes before buying yours. You want to devote similar attention to purchasing your motorcycle jacket and leather chaps. Your comfort, protection, and safety out on the road are paramount and can only be assured by investing in the proper attire.

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David Jensen is a content contributor
for jacketsforbikers.
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