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An Alabama Guide for bikers
including motorcycle events, Alabama Rides, weather info, all
kinds of stuff of the month, course info, insurance info, lawyers, biker
friendly restaurants, live music calendars, bike shops, powder coating,
chrome, custom paint, leather shops, vendors, a visitor's column, personals,
classifieds, other links, chat room, message board, gift certificates
and more. |
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This
Bike was
built
by Joe
Gambardella
in CT
Below is some helpful information,
courtesy of Trantolo & Trantolo.
Insurance..
what you
should
know..
this is
from our
CT Site..
the laws
may be
different
in Alabama..
but if
you come
to CT
it is
good for
here!
KNOW YOUR LIMITS
No
one
ever
wants
or
plans
on
being
involved
in
an
accident.
We
at
Trantolo
&
Trantolo
want
you
to
stay
healthy
and
safe,
but
we
also
want
you
to
be
aware
that
if
you
are
involved
in
an
accident
where
the
other
driver
is
at
fault
your
own
insurance
policy
can
protect
you
and
your
family
from
financial
ruin.
By
law,
every
auto/motorcycle
liability
policy
sold
in
Connecticut
automatically
contains
an
additional
insurance
known
as
UNINSURED/UNDERINSURED
motorist
coverage.
(It's
often
listed
as
UM/UIM
on
the
declarations
page
of
your
insurance
policy)
Autos
and
Motorcycles
UM/UIM
insurance
protects
you
if
you
are
injured
by
a
negligent
operator
who
has
no
insurance
or
too
little
insurance
to
pay
for
your
injuries
and
losses.
Here's
how
it
works: |
Uninsured
Motorists/(UM)
means
the
other
party
carried
no
insurance
at
the
time
of
the
accident.
In
that
case,
your
insurance
company
provides
money
payments
to
you
or
your
family
for
medical
expenses,
wage
loss,
permanent
injuries
and
other
losses
you
would
have
received
from
the
other
person's
insurance
company
if
they
had
been
insured.
Your
payments
are
limited
to
the
amount
of
your
policy
so
the
higher
the
policy
the
higher
the
potential
payment.
Underinsured
Motorists/(UIM)
provides
the
same
benefits
as
UM
and
means
the
other
party
carried
insurance
but
it
wasn't
enough
to
cover
all
your
losses.
UIM
then
covers
the
gap
between
the
other
person's
insurance
and
the
amount
of
the
UIM
limits
you
purchased.
(For
example,
if
the
negligent;
operator
has
$20,000
policy
and
you
have
a
$100,000
UIM
limit,
you
have
an
additional
$80,000
available
to
you
after
collecting
the
other
party's
ENTIRE
$20,000
policy.) |
UM/UIM insurance is very important because it protects you
and your family from the hundreds of thousand of people who drive on the roadways with no
insurance or only the minimum required by law ($20,000). UM/UIM insurance is especially important
to motorcyclists because in 80% of the auto vs. motorcycle accidents, the fault lies with the auto
driver. In such accidents, the motorcyclist is far more likely to suffer serious injury and when
serious injury occurs the other driver's insurance is often grossly inadequate.
UM/UIM
insurance
is
very
inexpensive
(pennies
per
day)
and
that
is
one
of
the
reasons
that
insurance
companies
avoid
and
even
discourage
people
from
buying
increased
limits.
Often
the
insurance
company
or
it's
agent
will
either
make
no
mention
of
this
coverage,
downplay
it's
significance
or
suggest
that
you
reduce
your
UM/UIM
limits
to
save
money.
This
is
a
company
or
an
agent
that
is
not
working
in
your
best
interest,
since
you
should
by
the
highest
UM/UIM
coverage
you
can
afford.
Increasing
your
UM/UIM
limits
is
easy,
inexpensive
and
wise.
In
Connecticut,
when
you
buy
your
liability
insurance,
unless
you
request
otherwise,
you
automatically
receive
and
equal
amount
of
UM/UIM
coverage.
More
importantly,
under
Connecticut
law,
you
have
the
legal
right
to
buy
twice
as
much
UM/UIM
coverage
as
your
liability
coverage
and
the
insurance
company
cannot
refuse
your
request.
(For
example,
if
you
buy
$100/$300
liability
policy,
you
can
increase
your
UM/UIM
coverage
to
$200/$600.)
In
purchasing
automobile
or
motorcycle
insurance,
it
is
best
to
first
focus
on
protecting
yourself
from
the
uninsured
driver.
This
is
accomplished
by
buying
the
highest
amount
of
liability
insurance
you
can
afford
and
then
demanding
twice
that
amount
in
UM/UIM
coverage.
REMEMBER
THE
INSURANCE
COMPANY
CANNOT
REFUSE
THIS
REQUEST.
If
you
have
already
purchased
you
insurance
for
the
year
you
can
still
contact
your
agent
and
double
the
UM/UIM
insurance.
If
you
would
like
a
list
of
ways
to
reduce
your
overall
insurance
costs
so
you
can
increase
your
UM/UIM
limits
or
if
you
would
like
a
free
insurance
quote,
log
on
to
www.TrantoloLaw.com.
Policy
discounts
and
quotes
are
courtesy
of
M/C
Insurance.
(Not
affiliated
with
Trantolo
&
Trantolo).
Since
time
and
space
constraints
do
not
permit
an
in
depth
discussion
of
all
aspects
of
UM/UIM,
the
information
contained
herein
does
not
constitute
legal
advice.
If
you
would
like
more
detailed
information,
please
feel
free
to
contact
us
1-888-TRANTOLO
or
visit
our
website
at
www.TrantoloLaw.com
M/C
Insurance
"Because
We
Ride"
Toll Free: 1-877-MCINS4U
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