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Motorbike Helmets – To Wear Or Not To Wear

That is the question! Or should it be? There are still several states that leave that choice up to you! Riding motorcycles can be very dangerous I feel that wearing motorcycle helmets should be mandatory.

This is one thing that the government should not leave up to you to decide! There are certain safety precautions you need to take when you perform certain activities, and riding on a motorcycle at high speeds is definitely one of them! The government makes it mandatory for you to wear your seat belt when riding in an automobile.

So why should they not make it mandatory to wear a motorbike helmet when riding your bike! It is definitely more risky to ride a motorcycle without a helmet then to ride in a car without a seat belt. If you were to get into an accident on your bike at a fair speed with a motorcycle helmet on it could almost guarantee you serious head trauma if not death! I believe the government in the few states that still leave this option up to you should make it mandatory for motorcycle riders to wear their helmet as soon as possible!

Lives our being lost because of ignorant riders thinking that it will never happen to them! It is essential that wearing a helmet while riding a motorcycle law be passed immediately! To those of you out there that live in one of this states that still leaves it up to PLEASE just put a lid on! It will save your LIFE!

Here is a good place to start your search for your very own motorbike helmets.

About the Author

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How To Make Claims After Accidents

So you’re riding your bike or moped to work one morning and hit a patch of diesel. Next thing you know, you are sitting on the pavement looking at your motor vehicle in pieces all around you. What do you do next?

Getting home that day, the first thing to do is dig out all your motorbike or moped insurance paperwork, and call your insurance company. Chances are you have arranged your insurance through a broker and they have placed you with a larger company.

Rather than your paperwork being passed back and forth across the country, you will be given a telephone number for both a solicitor, if you opted for legal assistance when taking out your policy, and a direct telephone number for your insurance company to deal with. In an effort to speed up the claims process, all insurers’ deals directly with the client to settle the claim at the earliest possibly date.

Motorcycle claims can take anything from a month to several years to settle depending on the circumstances.

Now, in the event that a nice car driver decides to pull out in front of you, bouncing you across his bonnet, you will need to pursue a claim against him, there are two ways of doing this.

1. You can pursue the claim yourself providing evidence of the damage to the third parties insurance company. This evidence may include repair estimates for work that needs to be done to your bike, any damages to your helmet, leathers, or clothing. It could also include evidence of the use of a hire vehicle whilst your own vehicle is off the road. This process can be lengthy, and without experience dealing with this, you can find it difficult.

2. When taking out your motorbike/moped insurance, you may have been asked whether you would like legal assistance, or it may have been included in your policy. If this was the case, after a non-fault accident you are provided with a team of solicitors, with years of experience, to deal with your claim.

The solicitors can arrange the inspection of your vehicle for repairs, a hire-vehicle to be delivered, or arrange necessary doctors’ appointments for any personal injury. With a team of experienced solicitors working for you, this can help the claim be settled much faster, and for every cost to be recovered, including their own, meaning you don’t have to pay any extra for this service.

The effect on your insurance can vary depending on the circumstances of the claim; a non-fault accident should not make any difference, providing the claim is settled before taking out a new policy or renewing an existing one. Fire, theft, or fault accidents all have much greater effects on your motorbike/moped insurance, not only will the claim count against you, but you may also lose your no claims discount if it was not protected.

There is no set figure per accident that your insurance will increase by; each accident needs to be looked at individually, depending on the age of the claim, the amount paid for any damages and who was to blame.

In the event that a driver with no insurance hits you, do not expect not to be paid out, the Motor Insurance Bureau will pay compensation for your damage or injuries, provided the uninsured vehicle can be identified. This is the reason on average you pay an extra 30 pounds for your insurance policy, the Insurance Premium Tax making up 5% of your premium goes towards paying for uninsured drivers, increasing the cost of your motorbike insurance.

Accidents can happen anywhere, anytime, and have all kinds of effects on your insurance. To make your life easier collect as much information as possible from all parties involved. And, as your insurance company will say, never admit liability.

About the Author

Anna Stenning is an expert on motorbike and moped insurance, and understands how important it is to know what to do in a serious situation. For more information on bike insurance click on http://www.insureyourbike.com/

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