Issue link: http://cp.revolio.com/i/601524
Fall Motorcycle Riding What's that's smell in the air? Ah, yes… it is the smell of fall. With fall comes some great cooler weather and some terrific opportunities to get out on your motorcycle. Like our editor mentioned in his letter, there is something special about gearing up with leathers and heading out on a ride. Here are some top reasons to get your bike out and enjoy a fall day trip. • Fall provides amazing colors, cooler temperatures but shorter days. Get up early to make the most of your day as fall days can be up to four hours of daylight shorter depending on where you are. • Cooler temperatures mean you can wear those new leathers you got yourself during summer clearance. Pull the new gear out, pack yourself a lunch and head off into the morning sun. • You can take a longer ride. With cooler temperatures in the air, you can spend all day out in the sun and not worry about getting dehydrated, worn out by the heat or that older bike – if that's what you're riding - overheating. • Visit national parks. The national parks are a beautiful place to take a ride in the fall. But be on the lookout as animals are more active in the fall than in the summer. • So, be safe, pack a blanket, some snacks and a camera and get out there and enjoy the fall weather! Remember to make sure you have the following coverage to be better protected when out riding. Safety Apparel: Some insurance companies will include safety apparel in the "After Market Parts" part of your coverage, some will not include it at all and others will have the Safety Apparel coverage hidden in the policy. So make sure to ask your agent about this coverage. Damage to your safety apparel must be a component of the motorcycle insurance policy since gloves, leathers, and helmets are expensive items that are essential to rider safety. Optional Equipment (After Market Parts): If the motorcycle is a standard model directly from the manufacturer, this coverage category is not necessary. For a highly customized bike, the cost of replacing the chrome work, custom paint, the sidecar or anything other special feature would fall under this category. Some companies will not offer this coverage even if you asked; therefore all the extra customization on your ride is up to the insurance company and the claims adjuster. Other insurance companies automatically include $3,000-$3,500 with the policy. Is that enough for your extras? If not you should always be able to increase it. And if you do, some companies will allow up to $7,500 to $20,000 of "extras". 10 GraceRiderMag.com November/December 2015