Motorcycle Insurance for Your Blind Spots and Theirs

People who ride motorcycles are often considered safer drivers than those who drive standard vehicles like cars and trucks. Just ask any motorcyclists, and they will tell you. Then, there are more than a few non-motorcycle riders who will quickly state that motorcyclists are less attentive than other drivers who don’t ride motorcycles. Just ask them. Yes, there are two sides to every story, but when it comes to staying safe on the road, you want protection regardless of who is right or wrong. That is also why motorcycle riders from in and around Clarkston, MI rely on the experienced and professional team at The Ryan Insurance Agency to keep them covered.

Because We All Have Blind Spots

Even the most careful drivers have blind spots, and there will always be something that can happen that no one can predict. When accidents happen, sometimes there is a fault and even negligence present. Other times, accidents happen as a result of peculiar and unforeseeable events. The good news is that with the right coverage, motorcyclists have the protection and coverage they need every time they fire up their bikes for a ride.

That also means riders can feel more secure, knowing they aren’t alone if they run into problems. With the right coverage plan, bikers can get the help they need if there is an accident, regardless of who caused it, because we all have blind spots.

For All Your Motorcycle Insurance Needs

Do you ride and live in or around the Clarkston, MI area? Then, the professional and trusted team at The Ryan Insurance Agency can help. If you have questions or want to learn more, contact us to schedule an appointment for the answers and coverage you need today.

Motorcycle Insurance for Different Types of Bikes

Motorcycle insurance is essential for riders to protect themselves and their bikes from potential risks. However, the specific considerations for insuring different types of motorcycles can vary in and around the Clarkston, MI area. Understanding these considerations helps riders select the appropriate coverage.

Balancing Speed and Risk

Sport bikes are known for their high performance and agility on the road. However, their speed and maneuverability also increase the risk of accidents. Insurance coverage for sports bikes often comes with higher premiums. Riders should consider comprehensive coverage protecting against collision, theft, and liability, ensuring adequate protection for their valuable, high-performance bikes.

Embracing Style and Comfort

Cruisers are designed for comfortable long-distance rides, often with a relaxed riding position. Insurance considerations for cruisers focus on theft prevention and liability coverage. Due to their popularity and higher theft risk, riders should ensure they have comprehensive coverage that includes theft protection. Liability coverage is crucial to protect against damage to others’ property or injuries.

Exploring Long-Distance Adventures

Touring bikes are built for extended travel, offering comfort, storage capacity, and weather protection. Insurance coverage for touring bikes should prioritize comprehensive coverage for theft, damage, and liability. Additional considerations may include coverage for accessories and personal belongings carried on long journeys. Riders should also verify coverage for potential roadside assistance or emergency towing.

Conquering the Trails

Off-road bikes are designed for rugged terrain and off-road adventures. Insuring off-road bikes involves specific considerations due to the increased risk of accidents and damage. Riders should ensure their policies cover comprehensive off-road riding, including coverage for damage caused by rough terrain, accidents, and liability.

How The Ryan Insurance Agency Can Help You

At The Ryan Insurance Agency, we can answer all your questions concerning motorcycle insurance coverage. We assist the Clarkston, MI region. Contact us today

The Best Ways Motorcycle Drivers Can Protect Themselves

Motorcycle drivers are often at a higher risk of road accidents and injuries than automobile drivers. That’s because a motorcycle can’t provide as much protection as a car, truck, or similar vehicle. As such, it’s essential to take steps to reduce risks. Taking out a good motorcycle insurance policy is also intelligent. Contact The Ryan Insurance Agency, serving greater Clarkston, MI.

Specific Steps to Reduce Risks

First, a motorcycle operator should wear protective gear, including motorcycling-specific gear, such as a helmet, gloves, boots, and a jacket. This gear can help protect you in an accident and reduce the risk of serious injuries. In some jurisdictions, some gear, like helmets, is legally required.

Of course, avoiding an accident is better. Always be aware of your surroundings and anticipate potential hazards on the road. You should maintain a safe following distance and avoid riding in blind spots. Defensive driving can greatly reduce risks. Further, you should always follow laws, including posted speed limits.

Another way to reduce the risks of accidents is to wear brightly colored or reflective clothing to increase your visibility on the road, especially at night or in low-light conditions. You should also use your headlights and turn signals to communicate with other drivers.

Further, ensure you properly maintain your bike, including the brakes, tires, and other critical components. This can help ensure that your motorcycle is responsive and reliable on the road.

Finally, motorcycle insurance can provide financial protection in the event of an accident or other incident. It’s wise to choose motorcycle insurance coverage that includes liability, collision, and comprehensive coverage. You may want to increase coverage for medical injuries as well.

Take Away: Choose to Drive Safe on Your Bike

Ultimately, motorcycle drivers can make choices to protect themselves. This includes choosing to wear protective gear, staying visible, practicing defensive driving, maintaining their bike, and purchasing the right motorcycle insurance policies. By making these choices, motorcycle drivers can reduce their risk of accidents and injuries while riding their bikes.

Want to explore motorcycle insurance options? The Ryan Insurance Agency serving the greater Clarkston, MI area.

Protect Your New Bike With Motorcycle Insurance in Clarkston, MI

Now that you’ve finally saved up and bought your dream motorcycle, it’s time to protect it with the right insurance. Motorcycle insurance in Clarkston, MI is essential for two main reasons: to protect you financially if something happens to your bike and to comply with the law.

Does Michigan Require Motorcycle Insurance?

The short answer is yes, Michigan requires motorcycle insurance. All riders must have liability coverage if they cause property damage or bodily injury to someone else. The minimum liability coverage you must have is $50,000 for anyone injured in an accident, $100,000 for several injuries or deaths, and $10,000 for property damage.

Of course, you’re probably not going to want to stop there. The minimum coverage is just that – the minimum. You could be on the hook for much more if you cause an accident resulting in serious injuries or damage. That’s why getting more than the minimum coverage is a good idea.

The Ryan Insurance Agency can help you choose the right amount of coverage for your needs.

What Else Does Motorcycle Insurance Cover?

Besides liability coverage, your motorcycle insurance can cover things like collision and comprehensive damage, medical expenses, and even theft. Collision and comprehensive coverage will help pay to repair or replace your bike if it’s damaged in an accident or stolen. Medical expense coverage can help pay your medical bills if you’re injured in an accident.

No one wants to think about what could happen to their motorcycle, but it’s essential to be prepared. That’s why having motorcycle insurance is so important. Contact the Ryan Insurance Agency today if you have questions about motorcycle insurance in Clarkston, MI. We’re here to help you choose the right coverage for your needs.


Safety Tips for Newbie Motorcyclists

Riding a motorcycle is a thrill, but it is also dangerous. If you are a first-time motorcyclist, you’ll want to do everything to maximize your safety while enjoying the open air. While avoiding dangerous situations is impossible, you can take steps to ensure that you have a safer motorcycle experience. When you begin riding, you’ll want to choose the right motorcycle for your needs and experience level. Start by identifying your reason for riding, such as commuting to work, joy rides on the weekend, or racing on a closed track. Once done, you’ll want to work with a reputable motorcycle dealership to select a bike that is right for your needs and your height and weight. 

As a new motorcyclist, you’ll always want to have the acronym ATGATT in your mind. ATGATT stands for All The Gear, All The Time. Equipment must-haves to keep you safe include a DOT certified or compliant helmet, a motorcycle jacket made from synthetic material like Kevlar to keep you safe in an accident, appropriate gloves, closed-toe boots, and motorcycle pants.

Specific to insurance, Michigan state law requires that any operator of a motorcycle carry at a minimum the below liability coverage:

  • $50,000 for a person who is hurt/killed in an accident
  • $100,000 for each accident if multiple people are injured/killed
  • $10,000 for property damage

Many motorcyclists find these minimum requirements inadequate and opt to purchase additional coverage for extra peace of mind. At The Ryan Insurance Agency in Clarkston, MI, we’ll work side by side with you to find the right motorcycle insurance policy for your needs that help keep you, your passengers, and other motorists safe. 

Motorcycle Insurance in Michigan: Why You Need Collision Insurance

When you have a motorcycle in Michigan, you will want to be protected against every risk and liability. The minimum state requirements for motorcycle insurance will help you to get on the road and get there safely. However, it may not protect you against collision costs in the event of an accident.

At The Ryan Insurance Agency, we help Clarkston, MI residents understand the importance of a thorough motorcycle insurance policy. We can help you to design the best insurance policy for your budget, and help you define your own terms for collision insurance.

Benefits of Collision Insurance

When you are in an accident with your motorcycle, your insurance will cover a certain amount of damages and risks. If you don’t have collision insurance, you may be out of pocket for some serious costs.

A standard motorcycle insurance policy may cover you for some medical costs and liabilities, but the minimum requirements may not be enough.

Collision insurance will help you to pay for damage to your motorcycle if you are in any kind of accident. This is coverage that protects you regardless of who is at-fault in an accident. Your financial burden in the event of an accident is mitigated when you have collision insurance.

Extended Coverage

When you are considering collision insurance, you should know that you can design your collision insurance to meet your needs. Many motorcycle owners take great care and pleasure in customizing their bikes to make their rides more enjoyable. A standard collision insurance policy can help with some repairs, but it may not be able to cover specialized customization to your bike.

You can add this and widen the coverage on your collision insurance with your motorcycle insurance policy. It is very common to add coverage to your existing policy to ensure you are covered for everything in the event of a collision.

Get a Quote

When you are looking for motorcycle insurance in Clarkston, MI, you will want to be sure that you have collision coverage. When disaster strikes, collision insurance can help you have peace of mind during a crisis. Call The Ryan Insurance Agency for a quote today.

What does motorcycle insurance cover?

You appreciate an insurance policy only when something goes wrong. In a motorcycle accident, having an insurance policy can be the difference between recovering from your injury and repairing your property or taking a financial hit that takes time to restore. Besides the peace-of-mind advantage of carrying motorcycle insurance, it is also a legal requirement in Clarkston, MI.

So, what will the insurance policy cover in case of an accident? The experts at The Ryan Insurance Agency explain the different types of coverage included in your policy.

Liability coverage

If you inadvertently cause the accident, the law requires you to pay the injured party’s medical bills and property repairs. The amount is included in your policy’s liability limit. The coverage also extends to your family should they be responsible for an accident while using your motorcycle.

Medical Payment Coverage

If you or your family members are injured in an accident, the policy will reimburse all medical or rehabilitation expenses resulting from the accident. The policy will also pay the funeral costs.

Collision coverage and Comprehensive coverage

Collision coverage reimburses for physical damage to your motorcycle that occurred during the accident. Comprehensive coverage compensates for damages caused by falling objects, fire, theft, hail, or animals.

Uninsured and underinsured coverage

Uninsured and underinsured coverage protects you when the accident is someone else’s fault, and the other driver does not have insurance or has a low coverage limit. In that case, your policy will reimburse the difference. The coverage includes medical bills and property damage.

Preparing to take care of your family and your property when the unexpected happens is easy. Talk to our experts from The Ryan Insurance Agency in Clarkson, MI, who can help you choose a perfect policy, so you can relax.

Choosing Motorcycle insurance Options

Michigan is a beautiful place to ride your motorcycle. Michigan law requires you to have motorcycle insurance. At The Ryan Insurance Agency in Clarkston, MI, we offer several motorcycle policy options to keep you safe and in compliance. 

Motorcycle Liability

Liability insurance is required for all motorcycles in Michigan. Liability insurance will cover accident damages if you are at fault in an accident. There will be separate limits for bodily injury and property damage. It also covers injuries to your passenger if the accident is your fault. 

Collision and Comprehensive Coverage

Collision coverage will cover the damage to your bike if you are at fault in an accident, including collisions with another vehicle or object. This includes either repair to the bike or the replacement cost. New motorcycles may qualify for total replacement coverage, which reimburses you for the amount you paid for the bike. 

Comprehensive coverage covers non-driving-related damage. This includes theft, vandalism, and storm damage. Comprehensive coverage does not cover damages arising from normal wear and tear or lack of maintenance. 

Specialty Options

Specialty options allow you to add different coverage options to your policy. Accessory or custom part coverage is a popular choice. Many owners spend a significant amount of money on custom parts that aren’t typically covered under a standard policy. This covers custom accessories or parts, including tailpipes, custom paint, and saddlebags. Safety equipment, including leather jackets and helmets, may also be covered. 

Trip interruption insurance is another option to consider if you enjoy road trips. If your bike breaks down more than 100 miles from home, trip interruption insurance can pay for food and shelter costs while you are stuck on the road. 

If you need motorcycle insurance in Clarkston, MI, contact us at the Ryan Insurance Agency. We can provide the right type of insurance to meet your motorcycle insurance needs so that you can enjoy your bike. 

How Important is Having Motorcycle Insurance in Michigan?

There are a variety of bike riders that enjoy being on the road with their motorcycle in Michigan. Whether you are deciding to enjoy the open breeze alone or with a few friends, at the end of the day, it is vital to make sure that you are protected along the way. 

The Ryan insurance Agency is based in Clarkston, MI, and we believe in ensuring that all of our clients are safe in every way possible. By Michigan state law, all individuals that operate a motorcycle are required to carry liability insurance. This is to protect the rider from anything that may occur, including accidents, property damage, and theft. 

Within the motorcycle laws of Michigan, you are obligated to have personal injury protection (PIP) and bodily injury/property damage (BI/PD) within your insurance policy. When you work with one of our agents that understands the law thoroughly, we will make sure that your insurance policy meets all of the state laws in addition to anything additional that you may want. As Michigan is a No-Fault state, if you are riding your motorcycle and you are in an accident, that does not fall under the No-Fault guidelines. Things can get a bit tricky when it comes to medical coverage. It is easy to work with an insurance agent to determine your needs.

Would you like to speak to one of our agents about the motorcycle insurance that we can offer you? Our agents are available to assist you what answering any questions or concerns that you may have. Please feel free to call us at our office during business hours at (248) 403-8591.