By Laurie Montoya, President & Founder of BikerDown Foundation
Warmer weather and year-round riding has become our New Normal. Gone are the days when you winterized your bike and put her or him away for the winter months. The growth of BikerDown nationwide and in warmer climates has seen an up tick in rider accidents in our chapters and nationwide.
Sadly, COVID it has it us all hard in one way or another. We are seeing cagers now choosing to drive with very limited insurance or NO INSURANCE and riders having to lower the levels of their policy. BikerDown has a membership program that is different than most program that you are currently enrolled in and we ask you in 2021 to take a look at what our programs offer. They are priced to give you value and services you will need in the event of a breakdown, accident or fatality.
In 2020, BikerDown implemented levels of assistance based on membership. While we will always help ALL riders who request help, being a PAID member will give you higher levels of assistance available thru BikerDown.
Riding comes with risks and rewards, but we all can make a decision today to try to get additional supplemental coverage to ensure in the event of an accident, we can focus on recovery and not how to keep a roof over our heads.
Here is a brief outline of our most valued memberships
ROADSIDE PLUS – This is our most valuable membership level at $35.00 per month ($1.16 per day). The cost to pay for your services is $29.69, so BikerDown only receives $5.31 into our Accident Fund to help injured riders.
BikerDown Assistance – By being a paid member of BikerDown in 2021, you will have access to a highest level of assistance in the event of an accident.
Aflac Individual Accident Indemnity Policy that includeson the job coverage + nationwide motorcycle towing from MTS.
Every motorcycle accident is serious and most riders just don’t realize how bad it is or how under covered they are until it happens to them.
On average, injured riders can be out of work for 6-10 weeks depending on the severity of their injuries. This supplemental accident policy can pay you cash money to use for household expenses to keep you going during recovery. Most of the time Aflac will pay you more money than any fundraiser friends or family can raise.
Nationwide Motorcycle Towing – you are covered by your bike insurance and think that you are covered, but do you really know what type of tow truck will be dispatched when your bike breaks down. Have you also asked them if you ask for roadside will that go against you as a claim? Worry no more, we have partners with MTS the #1 motorcycle towing company in the US/Canada.
They have certified motorcycle towers ready. This level of coverage would cost you over $55 dollars per year and includes 2 tows per year at $150 each tow. This is inclusive in your BD Roadside Plus Membership.
ROADSIDE – This membership level at $35 per year and has been our best seller for year.
BikerDown Assistance – By being a paid member of BikerDown in 2021, you will have access to a higher level of assistance in the event of an accident.
Nationwide Motorcycle Towing – you are covered by your bike insurance and think that you are covered, but do you really know what type of tow truck will be dispatched when your bike breaks down.
Have you also asked them if you ask for roadside will that go against you as a claim? Worry no more, we have partners with MTS the #1 motorcycle towing company in the US/Canada. They have certified motorcycle towers ready. This level of coverage would cost you over $55 dollars per year and includes 2 tows per year at $150 each tow. This is inclusive in your BD Roadside Plus Membership.
50% of Drivers have little or no insurance – ARE YOU SURE YOUR COVERED?
Insurance Checklist 2020 has seen many challenges financially and emotionally. Families are having to make hard decisions. Insurances on your car or bike seems to be 1 of the first to let lapse when trying to keep a roof over your head. Motorcycle riders NOW more than ever must NOT LET YOUR POLICY LAPSE and in fact riders should find a way to ADD under or un-insured motorist to their policy or risk the chance of that driver having NO COVERAGE!
RiderJustice.com has provided this this checklist to help make sure that you’re covered properly. As a motorcycle rider, you need to have each of the following coverages:
- Underinsured Motorist (UIM) – Purchase a minimum of $250,000
- Medical Payments (MedPay) – get the maximum offered by your insurance company, usually between $5k and $25k
- Umbrella Policy – If you own your home, you need an underinsured motorists’ umbrella policy for $1 million.
- Liability – Purchase a minimum of $250,000;
- Collision
- Comprehensive
- Accessories Coverage – This protects all of the customized accessories on your bike. (Be sure to get replacement value coverage)
Before your next ride, call your insurance provider today and get the coverage you need to be safe on the road.
