3 Beginner Mistakes to Avoid When Riding an RTV

If you are like many others, you assume that hopping on an RTV (rough terrain vehicle) in Niles, IL is as simple as taking a regular car out for a spin-after all they both have four wheels and an engine, so how hard can it be? The fact is, in some respects you’re right, both do have a less risk of crashing than something with only two wheels, however, even experienced riders find themselves in dangerous situations when it comes to riding an RTV. So, if you are considering taking an RTV ride for the first time, here are a few tips to avoid common mistakes made by beginners.

Roll Overs

It is extremely easy to roll an RTV over and the last thing you want is to be under a heavy piece of machinery. One of the most common ways a rollover happens in an RTV is looping out, which is done by hitting the gas too hard and too quick. The front end of the RTV jolts up and goes out of control, throwing you back and ultimately under the RTV. Rollovers can also happen when you are spinning in the mud or other slick conditions. In most situations, the tires will eventually grip the ground, but if you’re not paying attention you can be thrown.

Over Throttling

There is nothing more exciting than the feeling of speeding through a field or the woods, but until you learn to control the throttle, it is important to work your way up to high-speed rides in stages. When you just jab the throttle/gas and go, you can end up underneath the RTV or be thrown several hundred feet. It is extremely important that you get to know the throttle and how little or how much it takes to reach a certain speed.

The most common, yet most serious mistake many beginners make is having a false sense of security. it is important to keep in mind that just because someone else doesn’t wear safety equipment or the appropriate clothing when riding an RTV and they haven’t been hurt that it’s okay for you as well. You need to wear a helmet, goggles, gloves, eye protection and boots at the minimum. It is also essential that you never attempt to go out alone, especially on your first few attempts.

Residents in and around the Niles, IL area interested in learning more about RTV insurance coverage should contact Bob Korvas Agency Inc.

 

What You Should Know About Motorcycle Insurance Before Buying a Bike

Whether you enjoy the free feeling from cruising past prairies and cornfields across I-55 or cruising down Lakeshore Drive laid back on a cruiser, a motorcycle is an exhilarating method of transportation. However, before you step into the dealership, there are some important things to know about motorcycle insurance in Illinois. There are certain requirements you need to meet to legally drive on public roads, as well as a wide range of discounts you can take advantage of to lower your premium. For specific information dealing with your situation, contact Bob Korvas Agency Inc. that serves the Niles, IL area.

Motorcycle Insurance Requirements in Illinois

All Illinoisans need to have liability insurance to ride their motorcycles on public roads. This type of coverage pays for other people’s property damage and medical costs if you’re at fault for an accident. The bare minimum liability limits in Illinois are:

  • Each person’s bodily injury liability coverage must be at least $20,000
  • Bodily injury liability per incident requires at least $40,000 of coverage
  • Per incident, you must have at least $15,000 worth of property damage liability coverage

Of course, these are just the minimum requirements. You should choose limits that offer you peace of mind and meet your financial situation.

How to Save Money on Your Policy

There are many ways to lower your motorcycle insurance cost. If you already have homeowner’s or auto insurance with the same provider, you may get a lower quote to add on motorcycle overage. If you’re a long-time bike rider or over the age of 55, you may qualify for a mature rider discount. A clean driving record is another way to get a discount from most providers. Learn how you can save money on your motorcycle insurance policy by reaching out to an agent from Bob Korvas Agency Inc. that serves the Niles, IL area.