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Let's add an "i" in front of T-CLOCS, which stands for insurance.

In New York we are lucky to ride six months out of the year and motorcycles are considered recreational vehicles and fall under different insurance laws. This means that the insurance a motorcyclist is required to carry does nothing to protect the rider! Make sure that your coverage protects you as much as it protects the other guy.

Are you covered for your medical costs—deductibles and copays? Considering that 75% of drivers out there have the bare minimum coverage (which for most states is $25,000 per person, $50,000 per accident), do you have uninsured/under-insured coverage? Have you paid off the loan on your bike but haven't notified your insurance? Should you experience an accident your insurance is going to pay they bank, but don't worry, you'll get the money eventually.

But the bottom line is this: When your insurance agent or broker says you're fully covered, what does that really mean? Check your motorcycle insurance policy to make sure! Ask if you are covered as well as your assets.

Dawn
Carriage, NY
Thursday, March 30, 2017
Editor Response
Great advice, Dawn!
For more articles about choosing and understanding motorcycle insurance policies, check out WRN's insurance articles here.
Tricia Szulewski, Assistant Editor
The best idea I have for starting out riding in spring is to take a refresher course! My husband and I just completed the training course and gained a lot of confidence and also re-learned a lot of maneuvers that were rusty in our minds over the last winter! I'm 73, ride a H-D 1200 Sportster; he's 70 and rides a V Star 950). We are fair weather riders but still need some extra knowledge for the coming season!

Lynda M Gomez
Yucca Valley, CA
Wednesday, March 22, 2017
Editor Response
Great idea Linda. We recommend the MSF's Advanced Rider Course for experienced riders. We reviewed that class here on WRN.
Genevieve Schmitt
Most of us fill our tanks to the top, add fuel stabilizer, then take the bike for a quick spin and put it away for the winter. In spring, remember to run your tank down as much as possible to use up as much of your old fuel stabilized gas as possible. This way, your first fill up of the season will be puting fresh gas in your tank and not mixing with a lot of the old gas, even it was treated.

Harvey Gluckin
Seaford, NY
Wednesday, February 1, 2017
Thank you for this timely article about preparations for spring motorcycle riding. I enjoy all your articles in Women Riders now. Last weekend my hubby and I decided to go on our first ride. We wiped the HDs down, checked the tires and oil, and all the other things to get ready. Then I thought I had all my "gear" easily accessible. I had everything except my favorite gloves. Needless to say my hubby found them just where I always lay them. The ride went well, the gear was all found, and afterwards as I was taking my boots off I saw how worn my soles were. The boots are still good but I am definitely in need of new soles to provide the best traction. So off to the shoe repair shop.

Let's not forget to also check the condition of our riding boots. They also provide a needed safety factor to our rides.

Laura Davis
Columbus, IN
Wednesday, March 25, 2015
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