As the vibrant colors of fall take over, motorcyclists face unique challenges on the road. The season’s typical weather conditions can significantly impact motorcycle safety and insurance claims.
Fall Driving Hazards 
Watch out for the following fall hazards when driving:
- Increased rainfall—Fall often brings more rain, leading to slick and hazardous roads. Wet surfaces reduce tire traction, increasing the likelihood of skidding and accidents. Motorcyclists should be extra cautious during and after rain, as puddles can hide potholes and other road imperfections.
- Wet leaves—Fallen leaves, especially when wet, can be as slippery as ice. They obscure road markings and hide potential hazards like potholes or debris. Riding over wet leaves requires careful maneuvering and reduced speed to maintain control and avoid accidents.
- Earlier sunsets—With daylight hours shortening, motorcyclists often find themselves riding in low-light conditions. Reduced visibility can make it harder to see and be seen by other drivers, increasing the risk of collisions. Using reflective gear and ensuring your motorcycle’s lights are in good working order can help improve visibility.
These factors contribute to a higher incidence of accidents during the fall, affecting motorcycle insurance claims. Insurers may see an uptick in claims related to weather-induced accidents, potentially leading to higher premiums for motorcyclists.
Tips for Staying Safe and Ensuring Coverage
Consider the following safety tips for riding this fall:
- Perform regular maintenance. Ensure your motorcycle is in top condition by regularly checking tires, brakes and lights.
- Ride defensively. Be aware of your surroundings and anticipate potential hazards. Keep a safe distance from other vehicles.
- Wear appropriate gear. Invest in high-visibility and weather-appropriate gear to protect yourself and enhance visibility.
- Adjust riding habits. Slow down in wet conditions and avoid sudden maneuvers. Be extra cautious on leaf-covered roads.
- Review your insurance policy. Make sure your coverage is adequate for the season. Consider comprehensive coverage that includes weather-related incidents.
Learn More
By understanding the risks and taking proactive measures, motorcyclists can enjoy the beauty of fall while staying safe. Contact Dixon Blackwood Insurance Agency, Inc. to review your motorcycle insurance policy and ensure it is up to date.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.