Motorcycle insurance should cover a broad range of troubles to ensure that you are safe. However, there are many exclusions that you’ll need to work around to get the long-term benefits necessary to pay for damage to your bike through insurance. Integrity First Insurance is available to help Colorado bike owners get the kind of coverage needed to manage these exclusions.
Exclusions Vary Based on Coverage
Typically, your motorcycle insurance will pay for most of the troubles that occur with your bike, depending on the comprehensive nature of your policy. Many people may find that some policies provide a more robust and more adaptable level of protection that goes above and beyond other options. Some may find themselves experiencing exclusions that are pretty frustrating, such as:
Collision damage caused by an accident
Theft, vandalism, fire, and hail damage
Towing needs if your vehicle crashes
Accessories added to the motorcycle
Problems caused by drivers without insurance
These exclusions may be very frustrating but can be covered if you understand how to add new elements to your policy. For example, collision options help cover the damage caused by crashes, while comprehensive policies will take care of much more. And uninsured policies will help you if the driver who hits you on the road has no insurance or a flawed policy that covers only a few concerns.
Understanding Your Options
When you take the time to find the best policy for your needs, you shouldn’t run into exclusions that may frustrate you and cause complications with your payments. Thankfully, we at Integrity First Insurance serve Colorado residents and help you find the policy that works for your needs. In addition, our team will carefully examine what problems could impact you and work to minimize their development.
Distracted driving is credited with causing thousands of accidents every year. As many as 1,000 people are injured in a distracted driving accident every day.
There are plenty of things that can go wrong while driving. You can blow a tire or slip on ice, both of which might be out of your control. Driving distracted is not an accident though, it’s a choice. You can help make the roads safer by keeping your full attention on the road.
There are many different forms of distracted driving, but texting is widely accepted as the most dangerous since it involves all 3 types of distracted driving.
In Colorado, texting while driving is prohibited. For drivers under the age of 18, no cell phone use is allowed, even if it’s hands-free. Teens have a higher risk of being in an accident caused by texting and driving due to the combination of their lack of driving experience and the desire to constantly be connected to their phones.
In 2019, 39% of high school students reported texting or emailing while driving during the past month.
-Children’s Hospital of Philadelphia
It’s important for parents to teach their teens the importance of focusing their attention solely on driving and not on talking, texting, or posting on social media. The first step is modeling that behavior. If your kids see you on your phone while driving, they will assume it’s okay to do and are more likely to engage in distracted driving themselves.
3142 people were killed in distracted driving accidents in 2019
An estimated 36% of drivers use a smartphone app at a red light or stop sign, and 35% continue to use their phone while driving
Texting while driving doubles the chances for a car accident and triples the odds of your vehicle leaving the road, going over a curb, crashing into a tree, or colliding with a sign
Using a cell phone while behind the wheel reduces the amount of brain activity associated with driving by 37%
High school students who admit to texting while driving are also less likely to wear a seat belt and more likely to drink and drive
If you text while driving 55 mph, it’s the equivalent of driving the entire length of a football field without looking up
A person who texts while driving is 6 times more likely to be in an accident than someone who is driving drunk
“Do not disturb while driving” settings can remove the temptation to use a cell phone while driving because notifications and messages are silenced while behind the wheel and can be set up to automatically come on. To increase adoption, this could be the factory default setting.
Applications that track driving behavior are being used by auto insurance companies to offer personalized rates for safe driving behaviors. A recent survey of 16- and 17-year-olds led by Dr. Delgado found those who admit to texting while driving may be convinced to refrain from this risky behavior if there was a financial incentive.
Applications that passively track cell phone use while driving give parents the opportunity to monitor their teens’ behaviors behind the wheel and to enforce house rules that prohibit cell phone use while driving for any reason and at any time.
Parents need to refrain from contacting their teens when behind the wheel. A CIRP/Penn School of Nursing study found that teen drivers receive the most calls from their parents.
Parents can provide their teens with safe alternatives to talking or texting while driving:
complete any call or text before starting the car
check in only after arrival
pull over to text or make a call
Understanding the risks of distracted driving is just the beginning. The best way to keep yourself and others on the road safe is to pledge not to drive with distractions.
You can put your phone on Do Not Disturb before you leave, know where you’re going before you start the car, and avoid eating and drinking during the trip. It’s also important to be aware of the distracted drivers around you so you’re ready to react if they make a sudden move that puts you in danger.
Help your loved ones stay safe by talking to them about the dangers of driving distracted.
Staff, D. S. O. (2020, October 2). 12 Important Texting and Driving Statistics. DriveSafe Online®. https://www.drivesafeonline.org/defensive-driving/12-important-texting-and-driving-statistics/.
National Center for Statistics and Analysis. (2020, December). Overview of motor vehicle crashes in 2019. (Traffic Safety Facts Research Note. Report No. DOT HS 813 060). National Highway Traffic Safety Administration.
Opportunities to Reduce Youth Distracted Driving. Center for Injury Research and Prevention. (2021, April 1). https://injury.research.chop.edu/blog/posts/opportunities-reduce-youth-distracted-driving-0.
Cell Phones. Teen Driver Source. (n.d.). https://www.teendriversource.org/teen-crash-risks-prevention/distracted-driving/cell-phones.
Most Americans spend the 4th of July weekend swimming, BBQing, and enjoying fireworks. It’s a great time to catch up with family and friends and celebrate our great country.
Unfortunately, this holiday also brings more trips to the ER than most other days of the year. Between traffic accidents, firework disasters, and grilling mishaps, there are many ways to get hurt during the 4th of July celebrations.
Luckily, there are some simple steps you can take to ensure a fun and safe weekend.
Follow the local firework laws. Fireworks that leave the ground are illegal in all of Colorado, but each county has its own guidelines for other types of firecrackers.9 Newslists the laws and regulations for each county for the summer of 2021.
Keep kids clear of any area where fireworks are being lit. Kids can run up at the last minute, so make sure there’s an adult in charge of any kids nearby.
Dress Safely. Wear close toed shoes and consider eye and ear protection.
Don’t shoot anything towards cars, houses, plants or people. Be careful not to damage any property or injure anyone. Colorado has a very dry climate, so if a firework hits a tree or a patch of grass a fire can spread quickly. Soaking nearby trees or bushes before lighting any fireworks can help avoid a fire.
Have water handy. Keeping a fire hose or a bucket of water nearby can prevent an accidental fire.
Keep your pets in a safe place. Many dogs get really anxious on the 4th of July and are more likely to escape. If you think your dog may get nervous about fireworks, consult your vet about the best way to help them.
Make sure someone is watching the grill. Avoid a potential fire by keeping a close eye on the grill while it’s on, and keep kids away from the hot surface.
Clean your grill before the BBQ. Built-up grease can cause a fire that could quickly spread to your house.
Keep your grill a safe distance from your house or fence. The National Fire Protection Association recommends keeping grills at least 10 feet from any structure.
Check the temperature of food. Use a meat thermometer to make sure all food is fully cooked before you serve it to your guests. You could find yourself on the other end of a lawsuit if you give everyone food poisoning.
Don’t let your guests drink and drive. Encourage a designated driver, Uber/Lyft, or let people spend the night if drinking will be involved. The 4th of July weekend is notorious for increased drinking and driving accidents. Do your part to keep the roads and your friends safe.
Consider the weather conditions before deciding to swim. Some conditions can create undercurrents that can increase the risk of drowning.
Don’t leave kids unattended. Looking away for even a minute could lead to a terrible accident. Floaties and life jackets can help keep kids safe, but there still needs to be an adult watching at all times.
Avoid drinking while swimming. Your reflexes can be dulled from alcohol consumption and may increase the risk of injury.
Don’t dive until you check the depth of the water. Always go feet first unless you’re sure you won’t hit your head.
Try not to swallow the water. There can be harmful bacteria that can cause illness.
If you’re taking a boat out, watch for swimmers and other watercraft. Keep life jackets on board and encourage your passengers to wear them in case of an accident.