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Thiel Insurance Group, LLC - Appleton & Kimberly


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May 27, 2021

Motorcycle Insurance for Safe Bikers

Harley Davidson Motorcycle

As the weather warms up and motorcyclists hit the road, it’s an excellent time to review some basic motorcycle road safety for both riders and the drivers sharing the road with them. May is Motorcycle Safety Awareness Month – but remember, motorcycle safety is important all year.

Motorcycle Safety for Car Drivers in Wisconsin

According to the NHTSA, “When motorcycles and other vehicles collide, it is usually the other (non-motorcycle) driver who violates the motorcyclist’s right-of-way.”

Research has shown that drivers who have friends and family members who ride motorcycles are more likely to notice motorcycles on the road and less likely to hit them. This may mean that drivers can train themselves to be more aware of motorcycles.

  • Look for motorcycles. It’s easy to miss motorcycles when you’re not actively looking for them. Don’t just look for other cars. Make a conscious effort to look for motorcycles.
  • Pay attention to the road. If you are distracted by your phone, you are even less likely to notice a motorcycle – until it’s too late. Food, music, passengers, and other activities can also become dangerous distractions. Give the road your full attention.
  • Be aware of your blind spots. Because motorcycles are smaller than cars, they are more easily concealed in blind spots.
  • Give motorcycles plenty of space.
  • Be especially careful when changing lanes or turning.

Motorcycle Safety for Motorcyclists

The NHTSA says that more than 5,000 motorcyclists died in 2019. To prevent becoming another statistic, motorcyclists should take basic safety precautions, starting with meeting Wisconsin’s motorcycle licensing requirements.

Before you get on a motorcycle, you need to add a motorcycle license endorsement to your driver’s license. The exact requirements for this will vary from state to state. Still, it will usually involve a written test, and it may also involve an on-cycle skills test or a motorcycle rider education course.

This licensing requirement is more than red tape. It ensures that you know how to ride safely – and that knowledge could make the difference between life and death. The NHTSA says that 30% of the motorcyclists who died in 2019 did not have a valid motorcycle license.

Motorcycle Helmet Safety

A helmet protects your head. The visor also protects your eyes. If anything goes wrong, the right helmet could save your life.

Before selecting a helmet, make sure it meets the U.S. Department of Transportation’s (DOT) Federal Motor Vehicle Safety Standard 218 by checking for the DOT symbol on the outside back of the helmet. You can also look for Snell and ANSI labels inside to helmet to see if it meets the standards used by those nonprofit groups.

Motorcycle Safety for Passengers

Before you get on a motorcycle as a passenger, make sure you know what you’re doing. The NHTSA recommends the following safety tips:

  • Get on the motorcycle after the engine has started.
  • Don’t get off until the driver instructs you to.
  • Sit directly behind the driver and as far forward as you can.
  • Keep your feet on the footrests and away from the muffler.
  • Hold onto the driver’s waist, hips, or belt.
  • Try not to move unnecessarily and lean in the same direction and at the same time as the driver.

Some states have age restrictions on drivers. In these states, children under a certain age are not allowed to ride as a passenger on a motorcycle.

Make Each Ride a Safe One

Before heading out, it’s important to know the weather and road conditions.

You should also check your motorcycle before each trip. The NHTSA recommends checking the tire pressure, tread depth, brakes, headlights, signal indicators, and fluid levels, as well as looking for signs of oil or gas leaks. Cargo should be secured and balanced.

The clothes you wear also matter. In addition to your helmet, leather clothes can provide protection, and bright colors can help ensure that you’re visible. Select footwear that covers your ankles, and wear gloves that provide a good grip.

Once you’re out on the road, look for road hazards. Construction work can result in debris being in the road, so use extreme caution or find another route. Always pay attention to the road and follow the rules of the road, and never drive while under the influence of drugs or alcohol.

Motorcycle State Laws

Motorcycle laws vary by state. For example, some states require helmets for all motorcycles, while some only require helmets for minors, and some don’t have any helmet requirements at all. States may also have laws requiring eye protection. Regardless of the legal requirements, it is always smart to wear a DOT-approved helmet when riding a motorcycle.

In Wisconsin, helmets are required for all riders ages 17 and under.

According to the Motorcycle Legal Foundation, states may also have other laws that pertain to motorcyclists, including noise restriction laws that require a muffler, laws that prohibit lane splitting, and laws that require the use of daytime headlights.

Don’t Forget About Motorcycle Insurance

Motorcyclists are typically required to maintain motorcycle insurance under state law. Even if you have car insurance, you will need to purchase motorcycle insurance, although you may be able to bundle coverage to save money.

State law will determine the minimum coverage types and limits that you need to carry. This will usually include bodily injury and property damage liability. You should also consider purchasing additional coverage to protect yourself and your motorcycle. Motorcycle accessories and upgrades may not be covered under a standard policy, so make sure you have the coverage add-ons you need to keep your motorcycle fully covered. If you drive a Harley, you may be interested in upgrading your insurance to cover custom chrome and paint, as well as your favorite accessories.

If you get caught riding your motorcycle without motorcycle insurance, you could face expensive tickets and fines. You may also face license suspension and other more severe consequences. Even worse, if you get into an accident, you won’t have the coverage you need.

Don’t take that risk. We can help you find affordable motorcycle coverage in Wisconsin. Contact us to learn more and to get a motorcycle insurance quote.

Author

  • Boyd Thiel
    Boyd Thiel

    Boyd Thiel is an agent at Thiel Insurance Group. He can be reached at 920-788-4131.

    View all posts

Article by Boyd Thiel / Motorcycle

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Amanda was a great agent to work with. So friendly and efficient. I'm glad I switched to this company! Thank you!!
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We had such a wonderful experience working with Mason at Thiel Insurance Group! I recently accompanied my in-laws to switch their auto, home, and boat insurance, and Mason made the entire process so easy and stress-free. He was incredibly friendly, knowledgeable, patient, and accommodating. He took the time to explain everything thoroughly, answered all of our questions, and made sure we understood the coverage options. He was also very easy to communicate with and always accessible when we needed him. Best of all, he was able to save my in-laws $1,400 on their insurance for four vehicles, their home, and their boat, all while getting them excellent coverage! It’s refreshing to work with someone who genuinely cares about finding the best options for their clients rather than just making a sale. We truly appreciated his honesty, professionalism, and outstanding customer service. I highly recommend Mason and Thiel Insurance Group to anyone looking for insurance. Thank you, Mason, for making this such a positive experience!
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I want to thank Thiel Insurance and Cindy for the help we had on July 27th, 2026, the Appleton tornado. I called right away and Cindy answered. Phone lines were really sketchy, but she certainly understood what was happening. She immediately processed a claim for us and left a nice message to say she had done so. I was so thankful that she initiated the claim and the next day we were able to get things rolling. I just wanted to make sure my thanks were given to Thiel Insurance and Cindy for quick action. Sincerely, The Pergande Family
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Amanda was lovely to work with! I needed help changing my car insurance and she was able to guide me through the whole process and put together a quote for me that was exactly what I needed. I appreciate her kindness in answering all of my questions. I would highly recommend working with her!
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I have had nothing but good experiences when I contact Thiel Insurance. My questions are always promptly answered, and in a way that I can understand. I will never go back to trying to find insurance by myself off the Internet!
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Chloe was a consummate professional from start to finish. As a first-time homeowner, I knew I needed a homeowner’s insurance policy. Chloe not only helped me get a homeowner’s policy but also helped me to bundle that policy with a new auto policy and also an umbrella policy get better rates one each while also helping me cancel my renters insurance on my prior policy. Chloe also assisted in communications with my lender institution. It truly was a one-stop shop. Chloe communicated with me every step of the way, was always willing to answer questions, and provided frequent updates. She made purchasing insurance easy. I would easily recommend her services to others.
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I have had Thiel home and auto insurance for about 10 years. Their customer service has been warm, friendly, and very helpful. When our condo insurance rates kept going up, I knew Thiel insurance could help. Hunter was able to find some alternative providers and now we are saving thousands a year. That has made our HOA very happy!
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Amanda was incredibly helpful finding the right plan for my needs during a very busy week. She worked hard behind the scenes for me and was able to meet my tight deadline and work with my schedule to get everything signed in time.
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Hunter was extremely helpful for setting up my general liability and workers comp insurance for my home services business. He answered all of my questions and made the whole process extremely simple and easy. I highly recommend Hunter and Thiel Insurance Group
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Amanda was very quick to respond in all aspects of this process. I was taken care of and appreciate it very much.
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Awesome company to work with, professional and easy to get setup with business insurance. Will definitely recommend to others and will continue to work with.
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Hunter Thiel did a great job helping me with insurance. It was a smooth process and he helped me save money too
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I reached out to Thiel for a business insurance quote, utilizing the website contact form, and I received a phone call from Hunter within an hour or two. Hunter was very informative with the various options available and once I provided some additional information, he was able to give me a verbal quote that we finalized a few days later with an in-person meeting. I was impressed with the response time and how quickly we were able to move through the process. Hunter and the rest of the Thiel staff are also very friendly and easy to communicate with. I had done some previous research on average prices and coverage amounts for my line of business (excavation contractor), and felt like the prices quoted were fair, especially with the amount of coverage that Thiel is able to provide. All in all, it has been a great experience so far and I would highly recommend them to other potential customers.
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Saved me 7000 on my trucking insurance!!
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Hunter Thiel was absolutely great to work with. He made the process of getting new home and auto insurance extremely easy and straightforward, and he also helped me get life insurance set up. He took the time to explain everything clearly, answered all of my questions, and made sure I understood exactly what I was getting. What really stood out to me was how responsive and helpful Hunter was throughout the entire process. I never felt pressured or like I was just another policy. He actually took the time to understand what I needed and made sure I was properly covered while still getting me a great value. I’d highly recommend Hunter to anyone looking for an insurance agent. Professional, knowledgeable, easy to work with, and genuinely cares about his clients. Great experience all around!
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Amanda made this process a breeze. From responding to my request for a quote, to walking me through the information and finalizing it all. It was so much easier than I expected. Thank you Amanda!!!
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I wish I could give them 10 stars... gave EXCEPTIONAL help post Tornado damage with our policy. So grateful for a company that is really there for people. THANK YOU
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Mason is a star ⭐
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Did a full coverage review. Hunter was thoroughly, professional and great to work with

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Thiel Insurance Group, LLC

An independent insurance agency serving the Fox Valley since 1960. Thiel Insurance Group, LLC BBB Business Review

Appleton Location

Thiel Insurance Group, LLC
620 N. Richmond St
Appleton, WI 54911
Phone: 920-739-6241
Fax: 920-739-3591

Kimberly Location

Thiel Insurance Group, LLC
122 W. Kimberly Ave
Kimberly, WI 54136
Phone: 920-788-4131 
Toll-Free: 866-788-4131 
Fax: 920-788-6795

Hours

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