Motorcycle Safety Tips for New & Returning Riders from Farmers Union Insurance Agency

Expert Motorcycle Advice for First-Time and Returning Riders

Motorcycles are fun and fuel efficient.  That’s not news to anyone who’s ridden one.  But neither is the fact that they’re also way more dangerous than a car.  The cold reality is that motorcyclists are 30 times more likely to die in a crash than people in a car, according to the Insurance Institute for Highway Safety (IIHS).  And nearly half of all motorcycle deaths are the result of single-crash vehicles.

The numbers are even scarier for older riders, who are increasingly taking up or returning to motorcycling after many years.  Because of slower reflexes, weaker eyesight, more brittle bones, and other disadvantages, riders over 60 years old are three times more likely to be hospitalized after a crash than younger riders.

Still, many enthusiasts enjoy a lifetime of riding without injury.  The key to optimizing your odds is to be prepared and avoid risks.  Keep in mind that 48% of fatalities in 2010 involved speeding, according to the IIHS, and alcohol was a factor in 42%.  Eliminate those factors and you’ve dramatically reduced your risk.

Below are some more tips, excerpted from Consumer Reports, to help you stay safe on two wheels.

1.  Don’t buy more bike than you can handle.  If you’ve been off of motorcycles for awhile, you may be surprised by the performance of today’s bikes.  Even models with small-displacement engines are notably faster and more powerful than they were 10 or 20 years ago.  Start with a bike that fits you; you should easily be able to rest both feet flat on the ground without standing on your tip toes.  Handlebars and controls should be within easy reach.  Choose a model that’s easy for you to get on and off the center stand; if it feels too heavy, it probably is.

2.  Invest in anti-lock brakes.  Now available on a wide array of models, anti-lock brakes are a proven lifesaver.  IIHS data shows that motorcycles equipped with ABS brakes are 37% less likely to be involved in a fatal crash than bikes without it.  “No matter what kind of rider you are, ABS can brake better than you,” says Bruce Biondo of the VA Dept of Motor Vehicles Motorcycle Safety Program.  The reason is simple: locking up the brakes in a panic stop robs the rider of any steering control, which can easily lead to a skid and crash and result in serious injury.  It can be especially valuable in slippery conditions.You may also be able to offset some of the cost with an insurance discount.

3.  Hone your skills.  As Honda’s Jon Seidel puts it, “There is nothing we could say or advise more than to go find a Motorcycle Safety Foundation (MSF) riding course in your area.  That’s critical, absolutely critical.”  An MSF course or similar class can teach you the basics, as well as advanced techniques, such as how to perform evasive emergency maneuvers.  The cost ranges from free to about $350.  An approved safety course may make you eligible for an insurance discount and, in some states, to skip the road-test and/or the written test part of the licensing process.  Some motorcycle manufacturers offer a credit toward the cost of a new motorcycle or training if a rider signs up for an MSF course.  The MSF website lists about 2,700 locations for such courses around the U.S.

4.  Use your head.  Yes, helmets are an emotional topic for some riders.  But the facts show the risk.  Riders without a helmet are 40% more likely to suffer a fatal head injury in a crash and are three times more likely to suffer brain injuries, than those with helmets, according to government studies.  When Texas and Arkansas repealed their helmet laws, they saw a 31- and 21-percent increase in motorcycle fatalities, respectively.  “It is absolute insanity to repeal helmet laws,” says Orly Avitzur, M.D., a neurologist and a Consumer Reports medical adviser.  “Because helmets do save lives, it is insanity to expose the skull and the brain to potential trauma that could be prevented or at least mitigated.”  Modern helmets are strong, lightweight and comfortable, and they cut down on wind noise and fatigue.  Just bear in mind that helmets deteriorate over time, so replace accordingly.

5.  Wear the right gear.  Jeans, a T-shirt, and sandals are recipes for a painful disaster on a bike.  Instead, you want gear that will protect you from wind chill, flying bugs and debris, and, yes, lots of road rash if you should slide out.  For maximum protection, go for a leather or other reinforced jacket, gloves, full pants, and over-the-ankle footwear, even in summer.  Specially designed jackets with rugged padding and breathable mesh material provide protection as well as ventilation for riding in warm weather.  You’ll also want effective eye protection; don’t rely on eyeglasses or a bike’s windscreen.  Use a helmet visor or goggles.  And keep in mind that car drivers who have hit a motorcycle rider often say they just didn’t see them, so choose gear in bright colors.

6.  Be defensive.  A recent study by the University of South Florida’s Center for Urban Transportation Research found that in collisions involving a motorcycle and a car, car drivers were at fault 60% of the time.  So, you need to be extra alert, especially in this age of epidemic phone use and texting behind the wheel.  Keep an eye out for cars suddenly changing lanes or pulling out from side streets.  And don’t tailgate; keeping a safe following distance is critical, both to ensure you have enough stopping distance and so you have time to react to obstacles in the road.  An object that a care might easily straddle could be a serious hazard when on a bike.

7.  Avoid bad weather.  Slippery conditions reduce your margin for error.  Rain not only cuts your visibility but reduces your tires’ grip on the road, which can make cornering tricky.  If you need to ride in the rain, remember that the most dangerous time is right after precipitation begins, as the water can cause oil residue to rise to the top.  And avoid making sudden maneuvers.  Be especially gentle with the brakes, throttle, and steering to avoid sliding.  When riding in strong side winds, be proactive in anticipating the potential push from the side by moving to the side of the lane the wind is coming from.  This will give you some leeway in the land, should a gust nudge you.

8.  Watch for road hazards.  A motorcycle has less contact with the pavement than a car.  Sand, wet leaves, or pebbles can cause a bike to slide unexpectedly, easily resulting in a spill.  Bumps and potholes that you might barely notice in a car can post serious danger when on a bike.  If you can’t avoid them, slow down as much as possible before encountering them, with minimal steering input.  Railroad tracks and other hazards should be approaches as close to a right angle as possible, to reduce the chances of a skid.

9.  Be ready to roll.  Before each ride, do a quick walk-around to make sure your lights, horn, and directional signals are working properly.  Check the chain, belt, or shaft and the brakes.  And inspect the tires for wear and make sure they’re set at the proper pressure.  Motorcycle mechanics we’ve spoken with say they routinely see worn-out brakes and improperly inflated tires that greatly increase safety risks.  When tires are under-inflated, “handling gets really hard, steering gets hard, and the bike doesn’t want to lean,” says Mike Franklin, owner of Mike’s Garage in Los Angeles.

Remember, as an Independent Agency, Farmers Union Insurance Agency does business with multiple companies, giving you greater selection of coverage when seeking motorcycle insurance.  Contact a local FUIA Agent in your area today and make sure you are covered!