Wednesday, October 21, 2015

Motorcycle Insurance: Protect your Assets

Florida is unique in many ways, most of them magnificent. But our confusing motorcycle insurance law is more than unique – it’s downright peculiar. Believe it or not, you don’t need insurance when you register your bike if you can prove financial responsibility. But you don’t want to go there.

If you’re involved in an accident and you don’t have insurance, you could lose your license, be sued in civil court, and be forced to pay restitution.

Take the smart road. Get motorcycle insurance.

There are a wide range of coverage options that will allow you to protect your assets without breaking the bank. At Ryan Insurance & Financial Services Inc., we can help you create a customized coverage plan that includes the essentials and any add-ons you want.

Standard motorcycle insurance requires at least Property Damage Liability and Bodily Injury Liability. Additional liability coverage, however, protects you if you are involved in an accident that causes injury or property damage to another person. Comprehensive coverage can protect you from damage or loss from hail, fire, wind, theft or vandalism. Be sure to check out all of the options available to you.

Make sure customization is covered. Custom paint jobs and additional parts may increase the value of your motorcycle, but they might not be covered by your current policy.  If you make upgrade changes to your bike, call Ryan Insurance and ensure that your assets are protected.

Protect your bottom line. Let’s face it: A motorcycle accident is serious business, and can result in an injury that creates high doctor bills and medical debt.  Medical payments coverage can help alleviate that burden.

Beware the uninsured or underinsured motorist. If you get into an accident with an uninsured or underinsured motorist, having uninsured/underinsured motorist coverage can protect your pocket and will pay any cost overage.

Choose a company that knows motorcycle insurance.  Living in the area with two of the country’s largest biking events, Ryan Insurance & Financial Services Inc. takes pride in offering premium motorcycle insurance. Call us today at 386-738-2000 for a quote that fits your needs, or email us at

Let’s share the road with motorcycles

The roar of Biketoberfest 2015 has faded, but the need to watch out for motorcycles remains. Nationally and locally, about 3 percent of registered vehicles are motorcycles, yet motorcyclist fatalities account for 15 percent of vehicle-related fatalities.

The National Highway Traffic Safety Administration (NHTSA) has been tracking motorcycle accident statistics since 1982 and has provided some interesting data, including the fact that Florida is No. 1 in the nation for motorcycle fatalities.

Whether you drive a car, SUV, truck or motorcycle, you can do your part to help keep bikers safe.
Here are the top 10 safe driving and riding tips based on the NHTSA’s research.


1. Don’t drink and ride. Nearly one in three motorcyclists killed in crashes were under the influence of alcohol.

2. Wear a helmet. Helmets are effective in preventing fatal injuries. In 2011, 1,617 lives were saved by wearing a helmet, and 781 more could have been saved if all motorcyclists had worn helmets.

3. Ride like you’re invisible. Stay safe by wearing bright clothing and reflective tape, always using your headlights, and staying out of blind spots. In 41 percent of two-vehicle fatal crashes, the other vehicles were turning left in front of the motorcycles.

4. Obey traffic laws. Just because you’re smaller than a car doesn’t make it safe to drive in between lanes or slow or stopped traffic. Slow it down. More than one-third of bikers killed in fatal crashes were speeding. Avoid tailgating, and don’t let anyone tailgate you; pull over to let him pass.

5. Appreciate the power of your bike. Two-thirds of single-vehicle accidents result from over-braking or running wide on a curve.


1. Look twice. Save a life. Double-check traffic at intersections before you turn or pull out.

2. Stay focused. Avoid distractions such as talking on your cellphone, texting, eating or changing radio stations.

3. Allow more distance. Leave at least a four-second distance between your car and the motorcycle in front of you. When the motorcycle passes a fixed point, you should be able to count to four before you reach that point.

4. Respect bikers. Treat them with the same respect you give to other motorists. When passing a motorcycle, give it a full lane.

5. Be extra alert. Because they’re small, motorcycles are hard to see. Individual motorcycles may blend into a larger group and may be closer than you think. Check your blind spot before changing lanes.

By sharing the road, we can prevent motorcycle crashes, deaths and injuries. Ride – and drive – safely!