Full Throttle Magazine November issue 2023

E N O E K FREE TA T’S I

Full Throttle Magazine November Issue 2023

November 2023

WHY MOTORCYCLE INSURANCE Page 6-8

Elevating Ride Quality Page 12-13

T a ble o f C on ten t Page 6-7 Bike Night Pis Page 6-8: Why Motorcycle Insurance Page 12-13: Elevating Ride Quality Page 17: Crack-ups Page 18: Cruisin' Calendar Page 20-21: Around Town

S T A F F

Full Throttle Magazine 6209 Mid River Mall Dr Ste 182 St Charles, MO 63304 Robert Blanton, Publisher Publisher@fullthrottle-magazine.com Cindy Blanton, Editor Editor@fullthrottle-magazine.com Contributing Writers Rocky, , C.Blanton Sales Staff Robert Blanton, Contributing Photographer Robert Blanton, Nick Gaines

Full Throttle Magazine and its content is fully Copyrighted ©

Happy November Full Throttle readers and fans. We are coming into the cold season and hopefully it stalls out and doesn’t arrive until sometime late January. I don’t know about you but I’m still wanting some more good riding weather. I am not a winter person and always wonder why I live in the Midwest. As soon as I say that I remember the reasons why. I love the Missouri area, not necessarily the weather in the winter but so many other things our state has to offer. Another huge reason I stay here is family. All my kids and grandkids live here and I’m fortunate that none of them have moved away. I am a believer that family is everything. I love the time we have with the family but also, I have gotten so accustomed to an empty nest with just me and Cindy and enjoy that we can pick up and go if and when we want.

Thanksgiving will be on before we know it and then Christmas and of course the new year, 2024. I hope in 2024 I hope we can re-unite our country and all the people begin to get along again. This country has been so divided for the last few years and so many people seem to get butt hurt at anything and everything. I think we all need to put on our big boy pants and learn to respect and love our friends and neighbors and stop crying about every little thing.

The awesome Guns & Hoses event will be on November 22nd to support BackStoppers. Doors open at 4:30 at the Enterprise Center and the event starts at 5:30. This is not only for a great cause but it’s a fun, fun evening, so plan to attend.

We will be starting to plan the Historic Route 66 Bike/ Car Nights at Bobby’s Place in Valley Park once the new year hits. We would like to add a couple vendors to the lot each Weds evening and would like to talk to any vendors that would be interested in being part of our weekly Bike Night. We don’t have the room for a group of vendors, but. So again, if you’re a vendor and want to participate in our weekly Bike/Car Night in the Lou give me a call and let’s talk. Call me at 314-2761150 or email me at publisher@ fullthrottle-magazine.com As always, my friends ride safe and see you on the road with Full Throttle Magazine.

Bob

www.FullThrottle-Magazine.com Page

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W H Y M OTORC

Why do we have to have motorcycle insurance?????

First and foremost,…IT’S THE LAW! But, what defines a motorcycle for the purpose of insurance and license?

“Has a seat or a saddle for the use of the rider and is designed to travel with only 2 or 3 wheels on the ground, having an automatic or manual transmission; and a motor with a cylinder capacity of more than fifty cubic centimeters, which produces more than three gross brake horsepower, and is capable of propelling the device at more than thirty miles per hour on level ground.”

Missouri, as well as our surrounding states have a lot of great riding roads. And most of us want to get out and explore all the wonders those roads have to offer.

Before you hop in the saddle, you need to make sure that you have the proper insurance to protect you and you passenger.

Now, Missouri is a “At Fault” state. What that means is if you were found that you were the cause of an accident while on your motorcycle and do not have insurance, you will be facing fines, penalties and possible jail time. That’s why it is imperative that you carry the proper amount of insurance.

All state requires you to cover at least their state liability minimums. Liability insurance is to protect the other guys and, in most states, as well as your passenger. Missouri is one of those states. Missouri’s liability minimums are 25,000/50,000/25,000.

Let’s Break those numbers down. The first two numbers are your bodily injury numbers. The first one is per person/per accident. The second number is the total amount that will be paid for the ALL injury for that one accident not matter the number injured. That the third number is property damage.

Example: You were the cause of an accident and there were injuries to another individual including your passenger, your insurance will cover cost up to the 25,000 per person and up to $50,000 for the all injured. If there was physical damage to other property, then that other $25,000 will cover the cost of those repairs. Just to be clear, Liability DOES NOT cover you physically, The Rider. Make sure you have healthcare.

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YCL E I NS URA N C E?

By Cindy BlantonB

I do not recommend having state minimums because what if you cause a life threatening or death accident? And if you do not have enough coverage, those individuals can come after your personally for any remaining balance. That could cause a huge financial impact. At least go with 50/100/25. Having higher limits on the bodily injury part will get you a better level of protection.

The next thing you need to look at is the underinsured and uninsured. These two are optional but I highly recommend having them on your motorcycle policy. Those number typically match the bodily injury numbers you have on the liability portion of your policy. If you were involved in an accident that was not your fault and the other driver did not have any insurance or enough insurance, you can have your policy kick in and pick up the slack as the secondary policy.

People ask me if they need to have collision or comprehensive coverage on their policy’s. There are several factors to look at when making that decision. These two coverages are to protect you from having to deal with added expensive if your bike was damage in any capacity.

The collision is pretty self-explanatory. If you were in an ‘At Fault” accident and your bike was damaged, your only out of pocket expense is your deductible. Which that amount is up to you, you can go as little as $100 up to $2000 depending on the carrier. Some may not want to carry collision because their bike is not worth enough and the insurance company may just total it out.

BUUUUTTT! I do HIGHLY recommend carrying comprehensive. This can also be referred to as “other than collision”. You can carry the same deductible as your collision or carry a different deductible amount. This covers everything from fire, wind, water, theft, vandalism and even if you hit an animal while you are riding. This is a very valuable thing to have on your policy.

The next coverage options is one that many don’t fully comprehend. That is Medical. Medical coverage is very important to a motorcycle rider. If there was an accident your fault or not, that medical coverage can be the difference of having that financial strain or a huge piece of mind.

What is Medical coverage? This coverage is designed to offer financial assistant for any immediate medical expenses such as urgent care, emergency room, ambulance etc. THIS COVERAGE IS FOR YOU! This will also cover your passenger. Medical coverage is more than just medical. It can cover the cost of prescription drugs, funeral cost, dental care, home health care, deductibles etc. www.FullThrottle-Magazine.com Page

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For motorcyclist, this coverage, in my opinion is very important to have. You can have as little as $1000 and depending on the carrier, that determines the maximum you can carry. Example: Progressive will go as high as $25,000. But, Geico only goes as high as $10,000 and with that, you have a hefty price tag.

Sometimes motorcycle riders don’t fully comprehend the important of this coverage. You are fully exposed when you are riding. You are not surrounded by steal, carbon fiber and plastic with ten different airbags deploying all around you. You get into an accident and you and you passenger can get severely injured. This coverage can help offset a lot of those medical expenses.

Other optional coverage includes roadside assistance and roadside assistance with trip interruption. IE: Ran out of gas. Mechanical breakdown, a need a tow. The trip interruption is offer as an option. Let’s say, you were on a trip on your bike and you break down, your insurance will cover your overnight stay if that is necessary.

There are also ways to save on your motorcycle insurance. Insurance carrier offer discounts if you have a belong to an organization such as H.O.G.. If you have completed a motorcycle safety course. Riding experience plays a factor as well as having a motorcycle endorsement on your drivers license.

One last thing that is asked, “What if I’m a seasonal rider?” I want to store my bike during the winter months and I don’t want to pay for full coverage during that time.

Here’s a couple of options. Sure, you can cancel your policy all together and have zero level of protections to your bike. But what if you owe money on your bike??? There is no financial institution that will allow you to cancel your policy while you are still making payment. They want you make sure that their investment is protected. Cancelling it is not a viable option at that point. A possible solution whether you owe money on your ride or not, is drop all your coverage except comprehensive. If you own money, you’ll need to get the green light from your lienholder.

The reason I would recommend doing this to save you money is twofold. Remember when I said that comprehensive covers fire, wind, vandalism and theft? What happens if one of those occurrences takes place while you are storing it? The other factor to consider is your premium.

If you cancel your policy and go without motorcycle insurance, could cause a large rate increase because you had a lapse in coverage.

Regarding insurance, the only thing that is required by state law is to carry state minimum of Liability. All the other insurance offerings that I’ve discussed are options. If you have any questions or would like more information regarding your motorcycle insurance, please contact me, Cynthia (Bauer) Blanton at Bauer Insurance Agency at 636-812-2001 or my cell at 314-2761152.REMEMBER....BAUER INSURACE IS A COMPANY THAT PROTECT AND A NAME YOU CAN TRUST!

fs ELEVATING R The New Öhlins Suspension for 2018 and Newer Harley-Davidson Softail Models Harley-Davidson has long been synonymous with the quintessential American motorcycle experience, capturing the spirit of the open road and the thrill of cruising with style. In recent years, the company has been stepping up their game on enhancing rider comfort and performance, culminating in a collaboration with Öhlins – a renowned name in suspension technology. The result is a groundbreaking suspension system designed specifically for 2018 and newer Harley-Davidson Softail models, promising to elevate the riding experience to new standards. In this article we are going to talk about the key features, benefits, and technological advancements of the Öhlins suspension for Softail models.

The Advantage of Öhlins Founded in 1976, Öhlins has established itself as a leader in advanced suspension technology across various motorsport disciplines, from MotoGP to Formula 1. With their expertise in optimizing damping characteristics and fine-tuning suspension systems, Öhlins was a no brainer choice for Harley-Davidson to partner with. The Öhlins suspension upgrade promises not only improved handling and control but also a smoother and more comfortable ride, ensuring riders can enjoy every mile of the journey.

Key Features & Benefits Adjustable: One of the standout features of the Öhlins suspension for Softail models is its exceptional adjustability. Riders can fine-tune the suspension settings to match their individual preferences and riding conditions. Compression, rebound damping, as well as preload can be adjusted. Allowing riders to tailor the suspension to their weight, riding style, and road conditions. This level of customization empowers riders to achieve the perfect balance between comfort and performance.

Monotube Technology: The Öhlins suspension employs monotube technology, which offers several advantages over traditional twin-tube designs. Monotube systems separate the gas and oil chambers, reducing aeration and providing more consistent damping performance even under heavy loads or during extended periods of riding. This technology results in improved heat dissipation, reduced fade, and enhanced overall suspension performance.

Integrated Design: Öhlins has worked closely with Harley-Davidson engineers to create a suspension system that seamlessly integrates with the existing Softail chassis. The suspension components are engineered to complement the bike's aesthetics and maintain its iconic look while delivering superior performance. This integration ensures that the Öhlins suspension not only enhances ride quality but also adds to the bike's overall appeal.

Enhanced Comfort: The Öhlins suspension for Softail models is a game-changer in terms of rider comfort. The ability to adjust damping and preload allows riders to minimize the impact of road irregularities, resulting in a smoother and more controlled ride. Long-distance cruising becomes a more enjoyable experience as riders can dial in the optimal settings for various road surfaces and conditions.

Improved Handling: The Öhlins suspension's advanced damping technology translates to improved handling characteristics. Sharp cornering and maneuvering become more precise and predictable, giving riders increased confidence and control. The suspension's responsiveness contributes to a more engaging riding experience,

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sf IDE QUALITY

Written By: Rocky

making twisty roads and challenging terrains all the more exhilarating.

Customization: Harley-Davidson riders often take pride in customizing their bikes to reflect their personal style. The Öhlins suspension not only enhances performance but also offers a new realm of customization. Riders can fine-tune their suspension settings to match their riding preferences, whether they prefer a plush ride for leisurely cruises or a sportier setup for spirited riding.

Rear shocks • No tools required for preload, compression and rebound damping adjustments so changes can be made quickly and easily • Use the external adjuster to set suspension preload for optimal performance based on rider, passenger, and gear weight • Adjustable compression damping on the remote reservoir and adjustable rebound damping on bottom of shock body • 46mm piston diameter • Hard-anodized precision CNC-machined components • High-pressure nitrogen gas-charged design resists heat fading and low-friction shaft/seal head design for smooth performance Front forks • External adjustment for compression, rebound damping and preload • Compression in the left leg • Rebound in the right leg • Easy to dial up performance adjustments based on riding style and weight of rider and gear • Kit includes left and right cartridge, springs and oil • Installation by authorized Harley-Davidson dealer highly recommended due to required specialty tools Fits 2018 and newer Softail models In conclusion the collaboration between Harley-Davidson and Öhlins has yielded a suspension system that sets a new standard for ride quality and performance in the world of Softail models. The Öhlins suspension's adjustability, monotube technology, and integrated design offer riders unparalleled comfort, handling, and customization options. Whether cruising down the highway or carving through twisty roads, the Öhlins suspension elevates the Harley-Davidson Softail experience, proving that even legendary rides can benefit from cutting-edge innovation. As the open road beckons, riders can confidently embrace the journey with the assurance of a smoother, more controlled, and exhilarating ride.

Thank you for reading!

Feed your inner child, go ride, be wild!

Rocky, St. Charles Harley Davidson www.FullThrottle-Magazine.com Page

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CRACK UP’S Three friends stranded on a deserted island find a magic lamp. Inside it is a genie who agrees to grant each friend one wish.

“I want to go home,” says the first friend. The genie grants her wish.

The next day, the officer saw the same guy driving down the road. He pulled him over again. He saw the penguins were still in the truck, but they were wearing sunglasses this time. “I thought I told you to take these penguins to the zoo!” the officer said.

“I want to go home, too,” says the second friend. And the genie sends her back home.

“I did,” the man replied. “And today I’m taking them to the beach.” ________________________

“I’m lonely,” says the third friend. “I sure wish my friends were back here.” _________________________

A man comes home after a hard day’s work and opens the refrigerator to get a soda. Inside, he sees a squirrel taking a nap.

A man takes his sick Chihuahua to the veterinarian.

They’re immediately taken back to a room.

“What are you doing in my fridge?” the man asks.

The squirrel opens one sleepy eye and says, “Isn’t this a Westinghouse?”

Soon, a Labrador walks in, sniffs the Chihuahua for 10 minutes and leaves. Then a cat comes in, stares at the Chihuahua for 10 minutes and leaves. Finally, the “Um, yes,” the man replies. “It is.” doctor comes in, prescribes some medicine and hands the man “Well then,” the squirrel says, shutting his eyes again, a $250 bill.

“I am twying to west.” _______________________ “This must be a mistake,” the man says. “I’ve been here only 20 minutes!”

A guy is sitting at home when he hears a knock at the door.

He opens the door and sees a snail on the porch. He picks “No mistake,” the doctor says. “It’s $100 for the lab up the snail and throws it as far as he can. test, $100 for the cat scan and $50 for the medicine.” ________________________ A year later, there’s another knock at the door. He opens it and sees the same snail. The snail says, “What was that all A man was driving down the road when a policeman about?” stopped him. The officer looked in the back of the _______________________ man’s truck and said, “Why are these penguins in your truck?”

One day Max went to see Carl. Carl had a big swollen nose.

The man replied, “These are my penguins. They belong “Whoa, what happened, Carl?” Max asked. to me.”

“I sniffed a brose,” Carl replied.

“What?” Max said. “There’s no ‘b’ in rose!”

“You need to take them to the zoo,” the policeman said. Carl replied, “There was in this one!” arl replied, “There was in this one!” www.FullThrottle-Magazine.com Page

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our Y k Mar dars n Cale

Guns & Hoses November 22 **********************

Crusin’Caledar 2024 SEASON BIKNIGHT IS BACK! EVERY WEDNESDAY

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Weather Permitting

FEATURING LIVE MUSICS FUN AND GAME

Full Throttle Magazine does not sponsor, endorse and/or promote every event on our Crusin’ Calendar. Our field staff may not always be at every event.

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