Most drivers understand that vehicles are extremely sensitive mechanical systems. With these mechanics comes the threat of fires. Combustion engines, gas systems and other portions of the bike pose flammable risks.
Many motorcycle insurance policies cover fire risks that a bike may experience. Should a fire damage the bike, the owner might need to use their comprehensive coverage to make repairs or replacements. This coverage may protect the bike from damage not directly related to collisions. Comprehensive coverage might cover fire, theft and weather-related bike damage.
However, bike owners need to realize that their comprehensive coverage may not cover them in every instance.
- Exclusions may limit fire scenarios for which the policy will issue claims. The policy’s limits may, furthermore, not adequately cover extensive fire damage.
- Periods of neglect, along with normal wear and tear, may increase the risk of a bike. Should a biker grossly neglect the bike, a fire may occur that was otherwise avoidable. Bike policies may only cover truly unavoidable fires. Therefore, an insurance company might determine that the biker’s neglect caused the fire, and thus deny the claim.
These examples illustrate the reasons that bikers need to thoroughly examine their vehicle policies.
Even if a biker has a very strong policy, they should still do everything they can to prevent bike fires. Just like safe driving may reduce accident risks, other precautions might help the biker avoid fire risks. Therefore, performing regular maintenance and protective steps might lower the biker’s insurance risks.
- Don’t handle the motorcycle in risky manners. Some motorcycles have designs for speed and heavy handling. Others have designs that make them better for standard road operations. Therefore, don’t use a bike outside of its recommended operating practices.
- Avoid burnout at all costs. Burnout is a process of running the accelerator at full speed while letting the parked bike’s tires spin until they begin to smoke because of friction with the pavement. Though burnout may seem like fun, it is often a very dangerous occurrence. The combination of acceleration and friction increase the risks of sparks and flames. For that reason, the risk of fire increases in this period.
- Service the bike’s engine systems regularly. A malfunctioning combustion engine may increase fire risks. Change the bike’s oil, coolant and other fluids regularly. Clear away contamination from the engine. Doing so might prevent harmful engine contamination. Furthermore, check the gas system for leaks on a regular basis.
- Check the bike’s battery regularly. Most batteries only last around five years. Corrosion and contamination may lead to fire risks. Also test the rest of the bike’s electrical systems when you perform regular maintenance.
Furthermore, store the bike in safe areas. If a fire on your property damages your bike, your bike insurance may help you cover the bike. Additionally, property insurance might help with these damages.
Ready to get a Dallas motorcycle insurance policy? La Familia Auto Insurance can help you get an affordable policy. Call 888-751-7511 right now to get a fast, free quote.