Kentucky Motorcyle Insurance Tips

Rev it Up! Get ready for bike season in five simple steps

There’s nothing like cruising down the open road on your motorcycle – the wind in your hair and a few bugs in your teeth.

Before you hit the highways and byways this season, make sure your insurance policy is up to speed so that you and your bike are protected.
Here are a few tips from the experts at Progressive and  Charlie Pinson Insurance Kentucky:

• 1. Make sure your insurance policy is still in force. Some companies have a winter layaway period when some coverages are restricted. Check with your insurance company to see if you have any type of limited coverage.



• 2. Update your policy. Let your insurance company know about any changes like additional riders, a new address or customized parts. A quick call to your independent agent can secure coverage that meets your needs.



• 3. Cover customized parts. Parts such as chrome plating, a new paint job, saddlebags or special rims usually increase the value of your bike. If you’ve added custom parts or equipment, make sure they’re protected.



• 4. If you don’t need it, drop it. If you own an older bike, check its value. Don’t pay for coverage that you don’t need. Consider dropping collision coverage if the premium equals 10 percent of the bike’s market value. Understand, however, that you won’t be covered if your bike overturns or collides with another object.



• 5. Shop around. Prices can vary from company to company, so shop around. Another tip: If you purchase comprehensive and collision coverage, consider raising your deductibles. This can lower the cost of your physical damage coverage.

For Kentucky Motorcyle insurance check out Kentucky independent insurance agent  Charlie Pinson Insurance Ky.

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KY Motorcyle Fatalities Reported

Three Motorcyclists Die on Kentucky Roadways Last Week (June 9 - June 15)

(FRANKFORT, Ky.) - Preliminary statistics* indicate that eighteen people died in sixteen separate crashes on Kentucky roadways from Monday, June 9 through Sunday, June 15, 2008. Twelve of the fatalities involved motor vehicles and seven of those victims were not wearing seat belts. Motor vehicle crashes occurred in Clark (2), Greenup, Harlan, Hopkins (4), Jefferson (2), Madison, Pulaski, and Shelby counties. Three of the crashes involved pedestrians and four involved the suspected use of alcohol.

A triple-fatality crash occurred June 9 in Hopkins county on KY 109. Meagan Gibbs was traveling south on KY 109 in a 2002 Ford F250 pickup truck. Penny Garrison was traveling north on KY 109 in a 1986 Ford Ranger. Ms. Gibbs' vehicle drifted into the northbound lane and struck the Ms. Garrison's vehicle head on. Penny Garrison, Jordan Duke, and Beverly Lopez were pronounced dead at the scene by the Hopkins County Coroner. Ethan Garrison was flown by Air Evac to Deaconess Hospital in Evansville. Meagan Gibbs and her child were transported by ambulance to Madisonville Regional Medical Center.

Three crashes involved motorcycles and occurred in Daviess, Taylor and Woodford counties. One of the victims was not wearing a helmet.

Through June 15, preliminary statistics* indicate that 330 people have lost their lives on Kentucky roadways during 2008. This is 55 fewer than reported for this time period in 2007. Of the 260 motor vehicle fatalities, 166 victims were not wearing seat belts. Of the 32 motorcycle fatalities, 18 were not wearing helmets. Seven people have been killed in ATV crashes and 6 of those were not wearing helmets. Thirty pedestrians have been killed. A total of 61 fatalities have resulted from crashes involving the suspected use of alcohol.

Citizens can contribute to highway safety by reporting erratic drivers to the Kentucky State Police toll-free at 1-800-222-5555. Callers will remain anonymous and should give a description of the vehicle, location, direction of travel and license number if possible.

*These statistics are still preliminary as KSP waits for all local law enforcement agencies throughout the state to report any crashes and fatalities that may have occurred in their areas.

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Kentucky Motorcycle Safety

Governor Beshear Appoints Members to Motorcycle Advisory Commission for Highway Safety

Press Release Date: Wednesday, June 11, 2008

FRANKFORT, KY – Governor Steve Beshear has appointed the following members to the Kentucky Motorcycle Advisory Commission for Highway Safety:

William H. McKinney, of Frankfort, is an engineer specialist for the Kentucky Transportation Cabinet. He represents the Transportation Office of Project Development. The appointment replaces Roy E. Johnson, whose term has expired. McKinney shall serve for a term expiring June 30, 2009.

David Webster, of Glencoe, has previously managed an excavating company and worked as a journeyman iron worker. He represents the Kentucky Motorcycle Association. The appointment replaces Eugene P. Blakeman whose term has expired. Webster shall serve for a term expiring June 30, 2009.

Tim Cody, of Hindman, is the director of the Knott County ATV & Motorcycle Rider Training Center. He represents the Kentucky Motorcycle Safety Education Advisory Council. The appointment replaces Malcolm Winsper, whose term has expired. Cody shall serve for a term expiring June 30, 2010.

Tim Lucas, of Lawrenceburg, is a captain for the Kentucky State Police. He represents Kentucky State Police. The appointment replaces Shelby Lawson, whose term has expired. Lucas shall serve for a term expiring June 30, 2012. This appointment shall become effective July 1, 2008.

Jo Anne Tingle, of Frankfort, is an engineer specialist for the Kentucky Transportation Cabinet. She represents the Transportation Office of Construction and Operations. The appointment replaces Katrina O. Bradley, whose term has expired. Tingle shall serve for a term expiring June 30, 2011.

The governor has also reappointed the following members to the commission:


Gary L. Johnson, of Calhoun, is a construction manager for the Rogers Group, Inc. He represents the Kentucky Association of Highway Contractors. Johnson will serve for a term expiring June 30, 2011.

Michael A. Canchola, of Lebanon Junction, is an inspector for the Kentucky Transportation Cabinet. He represents the Kentucky Motorcycle Association. Canchola will serve for a term expiring June 30, 2010.

The Motorcycle Advisory Commission for Highway Safety assists the Kentucky Transportation Cabinet in ensuring that highway design, construction and maintenance policies and procedures consider the specific needs of motorcyclists. The commission examines cabinet policies and procedures in areas including, but not limited to, crash barrier design, road maintenance practices, road construction, traffic control devices and intelligent transportation systems and recommends changes where necessary.

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Kentucky Motorcycle safety awareness April 21-May 2

Kentucky Transportation Cabinet
Office of Public Affairs 502-564-3419

For Immediate Release
Media contact: Chuck Wolfe Chuck.Wolfe@ky.gov
Robin Jenkins Robin.Jenkins@ky.gov

Kentucky Motorcyclists and motorists encouraged to 'share the road'

FRANKFORT, Ky. (April 18, 2008) — Motorcycle fatalities have doubled since 2003, and Kentucky’s fatality rate is now second-highest in the nation. One of every nine U.S. road fatalities involves motorcycle riders. The steady increase in fatalities over the past decade represents one of the commonwealth’s greatest highway safety challenges.

To increase awareness and safer driving practices, the Kentucky Transportation Cabinet is promoting motorcycle safety April 21-May 2. All travelers are encouraged to “share the road,” be courteous, and stay alert during the busy summer travel season.

“With warmer weather here, more motorcycles are back on the roads. Drivers of all vehicles need to be extra cautious,” said Secretary of Transportation Joe Prather. “Motorcyclists can be difficult to see, so it’s important that we all follow the rules of the road and stay alert.”

Motorcyclists are far more vulnerable to death or serious injury than motor vehicle passengers in the event of a crash. Research shows that approximately 80 percent of motorcycle crashes injure or kill a motorcycle rider, while only 20 percent of passenger car occupants are injured or killed. In fact, in terms of vehicle miles traveled, motorcyclists are 35 times more likely than passenger car occupants to die in a motor vehicle traffic crash.

Safe driving tips:

• Remember to allow a motorcyclist the full lane width. Although it may seem as though there is enough room in a traffic lane for both an automobile and a motorcycle, the motorcycle needs the full room to maneuver safely —never try to share a lane;



• Always signal your intentions before changing lanes or merging with traffic;



• Remember that motorcyclists are often hidden in a vehicle’s blind spot or missed in a quick look due to their smaller size. Always make a visual check for motorcycles by checking mirrors and blind spots before entering or leaving a lane of traffic or proceeding at intersections.



• Be aware that motorcycle signals usually are not self-canceling and riders sometimes forget to turn them off. Wait to be sure the motorcycle is going to turn before you proceed.



• Remember that road conditions which are minor annoyances to passenger vehicles pose major hazards to motor¬cyclists. Be aware that motorcyclists may need to change speed or adjust their position within a lane suddenly in reaction to road and traffic conditions such as potholes, gravel, wet or slippery surfaces, pavement seams, railroad crossings, and grooved pavement.



• Allow more following distance, three or four seconds, when following a motorcycle so the motorcyclist has enough time to maneuver or stop in an emergency. And don’t tailgate. In dry conditions, motorcycles can stop more quickly than cars.



• Follow the rules of the road, be alert to other vehicles, and always wear your seat belt or DOT-compliant helmets and protective gear.

“Our message to all drivers is clear,” Prather said. “Make this the first year in recent years when motorcycle fatalities do not increase. Help to share in the responsibility and do your part to share the road with everyone.”

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Kentucky Motorcycle Safety Highway Safety

Born to be Wild

Better to have Kentucky Motorcycle Safety Savvy

The Kentucky State Police have a chart posted that shows how Kentucky motorcycle collisions have increased since 2002. The brochure also has links to Kentucky motorcycle safety, a Kentucky Motorcycle Fatality Map, and a Kentucky State Police Motorcycle Fact Sheet.

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As the popularity of motorcycle increases, and with the cost of gas continueing to go up, our insurance agency sees more and more quote requests for Kentucky Motorcycle Insurance. We encourage all Kentucky Drivers to drive defensively. Keep up with the latest in safety tips, the life you save could be your own!