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         <Description>&amp;nbsp;&amp;nbsp;&amp;nbsp; Anyone with a motorcycle accident case knows that the insurance companies won't make a reasonable settlement offer, at least until you hire a lawyer, file suit, and put it to them.&amp;nbsp; &lt;br /&gt;&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; With rare exception, the insurance company holds on to the money for as long as they can.&amp;nbsp; In the meantime, you are stuck with your bills and wage loss from not working.&amp;nbsp; They invest what they owe you, and make money on it.&lt;br /&gt;&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; California Insurance Commissioner Steve Poisner is to be applauded for taking the bull by the horns.&amp;nbsp; He ordered Allstate to cut insurance rates by 15.9 percent, a reduction that will save policyholders 250 million dollars.&amp;nbsp; &lt;br /&gt;&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; He didn't stop there.&amp;nbsp; AAA (CSAA) was ordered to make a 100 million dollar rate reduction, and GEICO was ordered to cut rates by 65.8 million dollars.&lt;br /&gt;&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; That's a lot of overcharging by these three companies, alone.&lt;br /&gt;&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; Motorcyclists have really been victimized by the insurance companies, not only because of the delays in payment of claims, but also as consumers.&amp;nbsp; &lt;br /&gt;&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; It is common for motorcyclists to be encouraged to waive uninsured motorist coverage.&amp;nbsp; This important insurance protects riders who are hit by uninsured and underinsured drivers.&amp;nbsp; As the economy gets tighter, this seems to be more of a problem.&amp;nbsp; Estimates are that 25% of California drivers have no insurance.&amp;nbsp; Additionally, many more have minimal coverage.&lt;br /&gt;</Description>
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         <Description>&amp;nbsp;&amp;nbsp;&amp;nbsp; Recently got caught in the rain at the end of a long day.&amp;nbsp; I rode from California to Spearfish, South Dakota, and arrived as the shadows were growing long,&lt;br /&gt;&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; I could see thunderstorms ahead, and sweated out my gas situation until I finally had a chance to fill up.&amp;nbsp; At the gas station, I heard that not only was there heavy rain, but hail as well.&lt;br /&gt;&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; Newly confident with a full tank, I headed into the storms.&amp;nbsp; First the bugs were washed from the bike, then I got soaked, then that clammy feeling of wet, cold leather.&lt;br /&gt;&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; Soon I was concentrating on making time on the windy roads of Spearfish Canyon, with some mud thrown in where the road was being worked on.&amp;nbsp; I don't like riding when it is dark, and the rain made it worse.&lt;br /&gt;&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; However, I have to admit that I felt really good about the ride almost the second I finished that part of the trip.&amp;nbsp; While I would never choose to ride in these conditions, it was the kind of thing that can't help but make you a better rider.&lt;br /&gt;&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; From now on, when you find yourself weather challenged, go for it with gusto.&amp;nbsp; Wet conditions force to to be smooth.&lt;br /&gt;</Description>
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         <Description>&amp;nbsp;&amp;nbsp;&amp;nbsp; A recent group ride across several states gave me plenty of time to think about group riding, and safety concerns.&lt;br /&gt;&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; First, our group was too big.&amp;nbsp; I know that it is fun to ride with a large group, but it simply doesn't work all that well.&amp;nbsp; When you get up to 20 riders, you just won't make all the lights together.&amp;nbsp; Cars will have to cut in, and you cannot just stay in a long double file formation.&lt;br /&gt;&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; From a riding perspective, it is better to form into smaller groups of riders that have similar riding skills, bikes, and styles.&amp;nbsp; It just works better.&lt;br /&gt;&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; With a large group, you are going to constantly have riders making decisions about stop lights, going around cars, where to ride in the pack, and so forth.&amp;nbsp; With a smaller group, you have a lot less.&lt;br /&gt;&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; Another factor is that some riders like to stop and look at the scenery, others like to push for miles, some prefer spending time in dealerships.&amp;nbsp; I don't like to spend time in a gas station, except for the minimum time needed to fuel and hit the head.&amp;nbsp; However, it seems foolish to me to constantly blast through the best scenery on the trip.&amp;nbsp; I'd rather periodically breath the air and enjoy the view from a fixed spot off the bike.&lt;br /&gt;&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; While it isn't necessarily safer to stop so much, it is safer to match your stops to your personal preferences.&amp;nbsp; Again, easier in smaller groups.&lt;br /&gt;&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; One key thing to remember is that many of us are social animals.&amp;nbsp; We prefer riding with others, because it adds to the enjoyment.&amp;nbsp; This is particularly true at lunch stops and when stopping for the night.&amp;nbsp; It really isn't that hard to plan the lunch stops ahead, and to provide everyone with a daily ride map.&amp;nbsp; In this way, the urgency to stay with the group is greatly diminished.&lt;br /&gt;</Description>
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