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.