TUESDAY, JUNE 23, 2020
Summer is a great time to ride your motorcycle in the mountains of North Carolina. The temperatures and humidity are milder and the riding conditions often prove optimal. Still, riding on winding mountain roads that rise and fall rapidly poses its share of hazards. If your bike has not received maintenance, then it might not perform at its best in these conditions. Therefore, before taking off on a summer road trip, don’t forget to look after your bike first.
Why Bike Maintenance Is Important
The better any machine performs, the better the outcome it will produce. A motorcycle that you take care of will function optimally, and keep the rider safer.
Consider some of the risks posed by a bike that you have neglected:
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Improperly inflated tires or damaged wheels run the risk of blowouts.
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Damaged pedals and control surfaces might increase stopping time or impair steering.
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A poorly serviced engine could overheat, flood or catch fire.
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Malfunctioning lights might limit your own visibility and prevent others from seeing you.
Problems like these could lead to wrecks or breakdowns no matter how carefully you drive. Plus, because bikes are harder to operate than standard cars, what might seem like a small problem in a vehicle might be a lot bigger on a bike. The chances of a biker getting hurt or killed in a wreck also increases substantially, too. Therefore, it’s important that you service your bike before road trips. An oil change, wheel balance and tune up might be all you need.
Car Insurance for Motorcycle Maintenance
When it comes to your bike’s maintenance needs, then your car insurance likely won’t pay you. Servicing your bike and replacing parts is part of the responsibilities of ownership. Your policy won’t pay for your pre-trip maintenance. Nor will it pay for damage from the wear and tear that develops over time.
If you have a wreck or other malfunction (like an engine fire) while riding your motorcycle, then your policy might pay. Only in rare cases will insurers not cover wrecks, even if the bike had maintenance needs at the time. However, if the issue triggered the accident, then the insurer might rule the wreck your fault. As a result, you might have to pay for your damage and the damage of others. This at-fault label might also cause your premiums to rise the next time you renew your coverage.
Additionally, some motorcycle insurance policies offer roadside assistance. So, if you do have a breakdown on the road, your insurer might be able to dispatch a tow, gas delivery or tire service. In these cases, they also likely won't penalize you for requesting help.
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