Motorcycle/ ATV/Snowmobile

Safety while on the open road, especially on a motorcycle, scooter, snowmobile and/or ATV, is of the utmost importance. Keep in mind that if you are on a motorcycle you are on a vehicle that is amongst the minority, and least likely to be seen. With that in mind the majority of vehicles on the road are larger and could potentially cause more damage to your vehicle and more harm to you. Motorcyclists made up 14% of all fatalities in 2017 according to the NSC. We at Hurst Hofer Agency Inc. are here to help make sure you have the right motorcycle/ATV/snowmobile insurance to cover you in the unfortunate event of an accident. Call us today for a free quote!

 

NSC Protective Suggestions:

- Wear a helmet- 37% increase of survival from a fatal injury.

- Know the rules of the road!! 

- Choose the correct size bike for you!!

- Take a motorcycle/ATV safety course!! 36% of fatal crashes were the result of new or re-entry riders who had not taken a safety course or who had not taken a refresher course.

- Anti-lock brakes

- Learn to drive defensively- always assume you cannot be seen easily.

- Wear a face shield or full coverage helmet and goggles

- Watch your speed

- Don't drink and drive or do drugs and drive

- Use headlights at all times

- Reflective clothing

- Full coverage clothing ie:

     -boots

     - leather

- Don't weave in and out of traffic or drive on shoulder

 

Watch for hazards such as:

   - pot holes

   - railroad tracks

   - fences

   - ponds

   - gravel

   - debris

   - puddles

   - oil slick

   - manholes

 

Coverages:

In New York State motorcyclists and ATV owners are required to hold a minimum liability to ride. However, there are several optional features available if you choose for additional coverages.

- Comprehensive- Covers fire, theft, storm damage, vandalism and other loss/claims not related to traffic claims.

- Additional Liability- covers other individuals/passengers and uninsured motorists

- Collision- for when you're proven at fault this covers damages minus any deductibles

- Bikes Accessories- this covers any personalization or custom styling you have added that has been damaged and needs repairing or replacement

- Roadside- covers towing, fuel and jumps

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Give us a call today for your free quote on your motorcycle/ ATV at 315-457-3580! 

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