How a helmet could save your life in a motorcycle accident

Motorcyclists often take safety for granted when it comes to riding, but a helmet is one of the most essential pieces of protective gear. At B & G Insurance, we remind riders that a helmet could mean the difference between life and death in the event of a motorcycle accident here in the Miami, FL area. 

Modern motorcycle helmets are designed to absorb shock and reduce impact, protecting riders from severe injury or worse. The helmet’s shell also protects against debris like rocks and gravel that can be thrown off the road surface in an accident – something which could cause devastating injuries without one. 

The American Motorcyclist Association recommends that all motorcyclists wear an approved helmet while riding – not only because it is required by law in many states but because it’s their best line of defense against serious injury in an accident. It can even be the difference between life and death. 

A helmet is essential for any motorcyclist looking to stay safe on the road. It could save your life in a motorcycle accident by absorbing shock and protecting you from impact and debris, so always wear yours when you ride!

For more safety tips or to find a motorcycle policy that keeps both you and your bike covered in case of an accident, give us a call today. We at B & G Insurance are proud to serve the Miami, FL area and would be happy to help you find a policy that meets your needs and budget. So don’t delay! Call today!

5 Mistakes to Avoid When Buying Motorcycle Insurance

While motorcycles offer an exhilarating ride, they also come with increased risk. To protect yourself (and your bike!), you need motorcycle insurance. But not just any insurance policy will do. There are a few key mistakes you’ll want to avoid when buying motorcycle insurance.

1. Not Knowing Your Coverage Needs

When it comes to motorcycle insurance, one size does not fit all. It would help if you considered factors like the value of your bike, where you live, how often you ride, and whether you commute on your motorcycle. An experienced insurance agent can help you determine the right coverage for you.

2. Not Getting Enough Liability Coverage

Liability coverage is important for two reasons. First, it protects you financially if you cause an accident and are sued. Second, it’s required in most states. Make sure you have enough liability coverage to protect yourself in an accident.

3. Assuming Your Auto Policy Covers Everything

If you have a personal auto insurance policy, you might assume it covers your motorcycle as well. However, this is usually not the case. You need a separate motorcycle insurance policy to be fully protected.

4. Buying the Cheapest Policy You Can Find

When it comes to insurance, you get what you pay for. The cheapest policy might not provide the coverage you need. Make sure you compare policies carefully to find one that meets your needs at a price you can afford.

5. Lying or Withholding Information

When you apply for motorcycle insurance, you’ll be asked to provide some personal information. It’s vital that you answer these questions honestly and accurately. If you withhold information or lie on your application, your policy could be voided if you have an accident.

If you’re planning to buy motorcycle insurance, avoid these common mistakes. Work with an experienced agent to get the coverage you need at a price you can afford. B & G Insurance in Miami, FL can help you find the right policy for your needs. Give us a call today!

3 Risks Of Riding Without Motorcycle Insurance

While the thrill of riding your two-wheeler in Miami, FL, is unmatched, you shouldn’t forget about motorcycle insurance while at it. Unlike vehicles, motorcycle accidents can be catastrophic. Bikes don’t have seat belts and outer covering to protect you. In other words, there is little protection between you and the ground while riding a motorcycle.  

Given that riding a bike is full of danger, it’s unimaginable to ride without motorcycle insurance. But become people will always remain people, you will still find bikers riding without motorcycle insurance. As a result, uninsured riders face the below risks.

Uncovered own losses

When you fail to purchase motorcycle insurance from B & G Insurance, you have to cater for damages and injuries from your pocket. The comprehensive and collision coverages pay for repairs of your bike when a covered peril strikes. However, without insurance, you will pay to pay for your injuries and property damage.

Be ready to pay accident costs to third parties

If you are liable for a motorcycle crash, you are required to pay for property damage and bodily injury costs to third parties. However, you can avoid going this route by purchasing motorcycle liability coverage to cover third-party losses.

Non-compliance with the law

Although motorcycle insurance isn’t required in Florida, you can still face financial claims if found negligent in a motorcycle accident. When involved in an accident without motorcycle insurance, you may lose your license, riding privileges and face other civil fines. 

While Florida is a no-fault state, this law doesn’t apply to motorcycle riders. Nevertheless, riders should consider motorcycle insurance with PIP coverage, given that bike accidents can cause severe injuries. 

Get motorcycle insurance today!

If you have been riding without motorcycle insurance, let today be the last day. Instead, be wise and contact B & G Insurance of Miami, FL, for an affordable quote. 

Three motorcycle safety features that could reduce insurance costs

These days, motorcycles are getting increasingly safer to ride. There are now numerous safety features you can add to your motorcycle. These safety features don’t just prevent accidents and injuries, but they can also lower the costs of your motorcycle insurance in Miami, FL.

At B & G Insurance, we like to encourage the motorcyclists we insure to do everything they can to stay safe out on the road. The following are three motorcycle safety features bikers can add to their motorcycles to stay safe and minimize insurance costs. 

Anti-lock brakes

You might associate anti-lock brakes with automobiles. However, anti-lock brakes are also being put on motorcycles now to provide more control when bikers are stopping. This helps to avoid skidding and sliding in adverse weather conditions and can prevent accidents. 

Airbag equipment

Airbags are also more associated with automobiles than motorcycles. However, nowadays, bikers can wear clothing with built-in airbag equipment that deploys instantly if an accident occurs. This equipment has been shown by research to be highly effective at preventing injuries and minimizing their severity in the event of a motorcycle accident. 

LED lighting

A lot of bikers add LED lighting to their motorcycles because they like how it looks. However, LED lighting isn’t just beneficial for appearances. LED lighting is also effective at improving visibility for bikers. 

LED lighting on a motorcycle can make riding in the dark or overcast and low-light weather conditions safer. 

If you’d like to learn more about motorcycle insurance policies available in Miami, FL, contact us at B & G Insurance. We’ll help you find the ideal motorcycle insurance policy for your needs. 

What Happens to My Motorcycle Insurance if I Get a Speeding Ticket?

Owning and operating a motorcycle requires that you follow the laws of the highway just like any other vehicle. Even when you pay attention to the road, there are times when getting caught up in the wind therapy can cause you to go faster than you should. If you happen to get a speeding ticket, you may want to talk to your insurance agent to find out how it will affect your policy. If you live in Miami, FL, you can call the agents of B & G Insurance to get the answers to all of your questions. 

Multiple Tickets Can Raise Your Rates

One ticket is normally not a big deal as long as you were only going a few miles over the speed limit. On the other hand, multiple tickets or speeding that involves going more than 10 miles an hour over the posted speed limit can have a dramatic effect on your policy. Safe driving is key and acting in a reckless manner will not only affect your insurance but may also cost you your driver’s license. 

Take A Defensive Driving Class

If you have received a speeding ticket while on your motorcycle, you may be asked to take a defensive driving class. This shows the insurance company that you are committed to being a safe driver and that speeding is not something you are likely to do in the future.

At B & G Insurance, agents are always willing to talk to motorcycle owners who live in the Miami, FL area. They can discuss their options when it comes to maintaining their motorcycle insurance as well as ways to help them become a better driver. Call and schedule an appointment today!