There’s nothing like the freedom you feel when riding a motorcycle but if you’re on the road, you’re at risk. To ensure you’ve got the coverage and financial protection you need, consider the following motorcycle insurance coverage options.

Liability Insurance Coverage

Required by most states, liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident.

Bodily injury liability – typically covers the other driver or your passenger’s expenses such as medical bills, lost wages, and pain and suffering.

Property damage liability – typically covers the expense of repairing damage to others’ property (vehicles, homes, fences, etc.).

Collision Insurance Coverage

Collision insurance covers damage, minus your deductible, to your motorcycle if you are involved in an accident. Keep in mind, collision insurance usually covers the book value of the motorcycle before the loss occurred.

Comprehensive Insurance Coverage

Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision insurance coverage, your policy will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist insurance coverage covers damages to you and your property caused by another driver who either is uninsured or underinsured to cover your damages. This coverage typically pays for medical treatment, lost wages and other damages.

Optional Equipment Coverage

If you decide to customize your motorcycle, you should look into obtaining additional or optional equipment coverage. Most comprehensive and collision insurance coverages will only cover the factory standard parts on your motorcycle.

Is a “Lay-up” Right for You?

There’s no need to fully insure your motorcycle if it’s stored for an extended period of time. With a lay-up insurance policy, all coverage except comprehensive is suspended for a specified period of time. Ask us for more details about this more affordable seasonal coverage option.

We’re Here to Help!

Call our office today at (508) 248-1440 to learn more about all of our affordable vehicle insurance and personal risk management solutions.

Anastasi Insurance Agency, Inc.

www.anastasiinsurance.com

(508) 248-1440

Gain freedom on the road with the right motorcycle coverage. We can help!

According to the US Department of Labor, struck-by objects is another leading cause of construction-related deaths. Approximately 75% of struck-by fatalities involve heavy equipment such as trucks or cranes.

OSHA offers some ways in which you can reduce your risk of being struck while on the job:

How Do I Avoid Hazards?

• Wear seat belts that meet OSHA standards, except on equipment that is designed only for standup operation, or that has no rollover protective structure. [29 CFR 1926.601(b)(9)]
• Check vehicles before each shift to assure that all parts and accessories are in safe operating condition. [Vehicle Inspection]
• Do not drive a vehicle in reverse gear with an obstructed rear view, unless it has an audible reverse alarm, or another worker signals that it is safe.
• Drive vehicles or equipment only on roadways or grades that are safely constructed and maintained.
• Make sure that you and all other personnel are in the clear before using dumping or lifting devices.
• Lower or block bulldozer and scraper blades, end-loader buckets, dump bodies, etc., when not in use, and leave all controls in neutral position.
• Set parking brakes when vehicles and equipment are parked, and chock the wheels if they are on an incline.
• All vehicles must have adequate braking systems and other safety devices. [Brake Systems]
• Haulage vehicles that are loaded by cranes, power shovels, loaders etc., must have a cab shield or canopy that protects the driver from falling materials.
• Do not exceed a vehicle’s rated load or lift capacity.
• Do not carry personnel unless there is a safe place to ride.
• Use traffic signs, barricades or flaggers when construction takes place near public roadways.
• Workers must be highly visible in all levels of light. Warning clothing, such as red or orange vests, are required; and if worn for night work, must be of reflective material.

Keep a constant lookout while you are working. By not fully knowing your surroundings, you are running the risk of being struck by a vehicle or piece of equipment.

Your safety matters to us at Anastasi Insurance Agency. Contact us for more safety material to keep you and your employees safe.

The International Roadcheck 2018 will take place on June 5-7. Last year during this nationwide event, over 62,000 inspections were conducted!

How confident are you that your drivers and vehicles will pass a roadside inspection during the International Roadchecks?

According to The Commercial Vehicle Safety Alliance (CVSA), CMV inspectors will primarily perform North American Standard Level I Inspections during the event –an examination of both driver operating requirements and vehicle mechanical fitness.

The vehicle inspection includes checking brake systems, cargo securement, coupling devices, driveline/driveshaft components, exhaust systems, frames, fuel systems, lighting devices, steering mechanisms, suspensions, tires, van and open-top trailer bodies, wheels, rims and hubs, and windshield wipers. Additional items for buses include emergency exits, electrical cables and systems in the engine and battery compartments, and seating.

“Although the electronic logging device (ELD) rule that went into effect on December 18, 2017, does not change any of the underlying hours-of-service rules or exceptions, the ELD mandate placed a spotlight on hours-of-service compliance,” said CVSA President Capt. Christopher Turner of the Kansas Highway Patrol. “We thought this year would be a perfect opportunity to focus on the importance of the hours-of-service regulations.”

A couple of things I’d like to highlight for you to prepare you for the International Roadcheck:

• The emphasis this year is hours of service. However, violations and out-of-service orders can be handed out for non-compliant brake systems, cargo securement, coupling devices, and more
• 32% of drivers who were found out of compliance were removed from roadways due to violations (think about the loss of revenue for employers or the contracts that will be put in jeopardy)
• In this 72 hour inspection period, on average 17 trucks/buses will be inspected every minute

At Anastasi Insurance Agency, we HAVE resources to help you avoid any violations (vehicle inspection checklists,Guides to DOT vehicle inspection levels, logbook guides etc). We encourage you to contact us to discuss this more.

As we approach warm weather (finally) – we want to remind you that it is never safe to leave your dogs in the car. According to PETA, on a 78* day, your car’s interior temperature can reach over 100* in a matter of minutes.

Check out this video by Veterinarian, Dr. Ernie Ward – who shows you what happens when you leave your animal in the car – even if you leave the windows open and park in the shade.

But what if you do see an animal in a hot car?

In August 2016, Massachusetts Gov. Charlie Baker signed a  new law for animal welfare gives pets more protections from extreme heat and weather. St. 2016, c. 248 An Act Preventing Animal Suffering And Death was signed in a ceremony by Governor Charlie Baker.

This law gives a bystander and first responders the right to enter the vehicle if they feel the animal is in danger due to extreme weather. If you believe an animal is in danger take the following steps before you attempt other means to enter the vehicle:

1. Call 911
2. Check to see if the doors are unlocked
3. Make an effort to locate the owner

At Anastasi Insurance Agency Inc, our pets are part of our family and we do everything we can to protect them.