Motorcycle Safety and Insurance

Motorcycles on the road.There were 125,270 motorcycles registered in Massachusetts in 2014. Whether it’s an expression of rebellion or simply another method of transportation all 125,270 of those motorcycles are required to have insurance. The risk of causing an accident and the damage to the motorcycle itself is generally costlier than damages to another motor vehicle. Motorcycle insurance with a standard policy only covers pedestrians but, it does not cover the injuries of the driver or passengers. This is all the more reason for motorcycle riders to engage in safe driving habits.

Safety Gear

It is necessary for motorcyclists to have the correct protective outer wear. This creates a safer road scenario for motorcyclists. There are two main components to safety gear on a motorcycle: a helmet and protective gear. Ideally, a motorcyclist should wear as much protective leather clothing as possible and a helmet.


Helmets cover the driver’s head to prevent from serious injuries. It’s for that reason that most states require riders to wear helmets at all times. Riders should also get their helmets approved by the Department of Transportation. Approved helmets also include a face shield which along with protection, reduce wind noise and deflect flying debris.

Protective Clothing

Protective clothing is the second component of a motorcyclist’s safety gear. Leather is a key component to protection since it minimizes injuries and protects from road scraps. Drivers have the option of leather jackets, pants, boots and gloves. Have reflective clothing is also important if the motorcyclist is on the road at night. This helps other drivers to see, and thus avoid motorcycles.

Safety Course

Motorcyclists can improve their driving skills by taking a formal motorcycle safety course. Taking a formal safety course allows drivers to learn the basics of their bike and how to make safe decisions on the road. A motorcycle safety course reiterates the importance of following the rules of the road. Speed limits and turn signals all exist in order to maintain order and safety on the roads for both cars and motorcycles. Obeying these laws and engaging in safe driving practices is what helps keeps the road accident free.

Defensive Driving on a Motorcycle

A safety course will also instruct the motorcyclist on how to drive defensively. Defensive driving on a motorcycle involves keeping headlights on at all times and using turn signals. These are key skills in order to avoid accidents since the majority of motorcycle accidents are caused by drivers violating the right away of the motorcyclist.

Avoiding Blind Spots and Hazards

Another tip that riders will learn in a safety driving course, is to avoid blind spots. Instead of riding in the blind spots of cars, motorcyclists should drive behind other vehicles so that that they can remain visible. Drivers will also learn to avoid common hazardous threats such as potholes, debris, and oil slicks.

A formal safety course not only helps riders avoid accidents, but it can also lower the cost of one’s insurance. Many companies offer discounts to those that complete safety courses. These courses are available via the DMV or RMV, or even an external motorcycle organization. Engaging in safe riding practices are essential for motorcyclists, but so is quality insurance. Protect yourself and your bike by contacting the TJ Woods Insurance Agency. Learn more about motorcycle insurance, even when compared to car insurance. Find the policy that best suits you and your motorcycle.