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Your personal risk management strategy can have a major impact on your family’s financial bottom line. Gaps in coverage and inadequate liability protection could cost you financially.

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Risk Resource® is a four-step process utilized by General Insurance Services, Inc. to identify, develop, implement and monitor the risk management strategies for you and your business.

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There are essentially two kinds of health insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses.

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Couple riding a motorcycleIt’s no surprise that motorcycles offer less protection than cars. So when riding your motorcycle, it’s up to you to take safety into your own hands. Arguably the most important thing you can do to increase your safety is wear a helmet. But how do you choose the right helmet when so many options are available?

Type of Helmet

Among the many helmets on the market, there are four main types:

  • Half helmet
  • Three-quarter helmet
  • Flip up helmet
  • Full face helmet

The type that’s right for you depends on the amount of protection you want for your head and face. In order to protect your head from both impact and the elements, the helmet you choose should have a Styrofoam core, a hard outer shell, a soft fabric lining and a chin strap. All of these elements work together to provide protection and comfort. The safest helmets are those that have been certified by safety testing agencies.

The Right Fit

Once you choose the type of helmet you prefer, you need to be fitted for one. Your motorcycle dealer can measure you and help you find a helmet that fits well. Keep in mind that a helmet should:

  • Fit snugly
  • Make contact all around your head and face
  • Shouldn’t wiggle around during wear

In fact, the right helmet should be so snug that you can’t fit even your pinky between the lining and your forehead.

Optional Features

Any good helmet will offer protection, but there’s a host of additional features that help make your helmet more comfortable and/or convenient to wear. Some of these features include:

  • Face shields
  • Anti-fog coatings
  • Internal sun visors
  • Ventilation in the outer shell
  • Removable liners

Helmets run the gamut from basic protection to being loaded with optional features. But whichever helmet you select, remember that it’s a single-use item that must be replaced after an accident. Any interior damage can reduce its ability to protect your head, which is its primary job.

Stay safe on the road. Call General Insurance Services at (219) 879-4581 for more information on Michigan City motorcycle insurance.

Additional resources:

Tips for First-Time Motorcycle Buyers

Full Refresher on Indiana's Moped Laws

Ways to Reduce Motorcycle Premiums 

Motorcycle Insurance Basics

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General Insurance Services
Michigan City
421 Franklin Street
Michigan City, IN 46360
(219) 879-4581
(800) 961-0953
M - F 8am-5pm
General Insurance Services
4208 Calumet Ave, #100
Valparaiso, IN 46384
(219) 464-3511
(888) 844-8376
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General Insurance Services
La Porte
1200 Michigan Ave.
La Porte, IN 46350
(219) 362-2113
(800) 766-4478
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