One-fifth of all motorcycle crashes will result in a head or neck injury.
Wearing an approved helmet is an effective preventive measure against possible death and injury. In general, motorcyclists are more prone to crashes because of the smaller vehicle size and, at times, risky driving behavior.
How can you make sure you’re prepared for a motorcycle crash?
Check out these ins and outs of motorcycle laws and motorcycle insurance.
Motorcycle Laws: Helmets
Laws are put in place for the protection of citizens worldwide. When it comes to motorcycles in North Carolina, it’s no different. They’re made for the protection of motorcycle riders.
In North Carolina, it’s required to wear a helmet. This is in place for all ages and all low-power cycles.
You may think this is strict since there are many states that either have no helmet laws or once you’re past a certain age they are no longer in effect. However, strict as it may seem, there is a very important reason behind this law.
It’s for your protection.
Studies have shown that motorcycle helmets can help reduce the risk of head injury by 69% and death by 42%.
These are cold, hard facts that should not be taken lightly. Your life and safety are much more important than letting your hair blow free in the wind.
Motorcycle Laws: Licensing and Registration
In North Carolina, along with many other states, there are strict laws for your motorcycle licensing and registration.
Any motorcycle operator must have a motorcycle endorsement listed on their driver’s license. Achieving this endorsement involves a knowledge test and a motorcycle skills test.
Motorcycle registration is required just like it is for all motor vehicles.
Motorcycle Insurance: It’s Required
There are mandatory insurance laws in North Carolina. This means for motor vehicles you must have a minimum amount of insurance on any registered vehicle. This also applies to motorcycles.
There is a minimum amount of liability insurance required for motorcycles, which includes amounts of $30,000 for injury or death to one person, $60,000 for injury or death to more than one person, and $25,000 for property damage. All of these are for single accidents.
Minimum insurance requirements are just that, the minimum. Proper motorcycle insurance will also protect you for high medical costs, damages to your motorcycle, theft or vandalism, and even natural disasters like floods or hurricanes.
The point of insurance is to cover you in case of an emergency. It wouldn’t make sense to have the bare minimum and then still end up with major bills if something unfortunate were to occur.
Ride with Peace of Mind
Riding should be about the freedom of the road and the beautiful landscapes rolling by. Your mind and body should both be at ease as long as you have the right protections in place.
Specifically, always wear a helmet. Full-face is the best option. This will increase your rate of protection during potentially dangerous crashes and allow you to follow state motorcycle laws.
Also, make sure you have the best insurance policies in place. Get a free quote today. For more important information regarding insurance services, please visit our blog.
