The Bull Pen

Hupy & Abraham Helps Rescue Riders

Dean Akey (Akey Financial Services) — Mon, 09 Nov 2009 11:07:51 -0600

NEWS RELEASE FOR MORE INFORMATION:

FOR IMMEDIATE RELEASE        Ale Owens, (414) 390-5550
November 9, 2009                                                                                 i

Hupy & Abraham, S.C. Donates $7,500 To

Increase Motorcycle Safety

300 Rescue Riders Volunteers Will Receive Training in Illinois and Wisconsin

Milwaukee, Wis. - As motorcycle fatalities are on the rise, the demand for trained volunteer emergency responders is increasing. To address these needs, Hupy & Abraham, S.C. has donated $7,500 to the Rescue Riders, a volunteer group of motorcyclists trained in emergency response and aligned with local professional emergency response agencies. This donation will help provide training and tools for 300 new Rescue Riders volunteers in Illinois and Wisconsin.

"There is a great need for trained volunteer responders not only on the scenes of accidents but also in the event of larger emergencies," said Michael Hupy, president of Hupy & Abraham, S.C. "We commend the efforts of the Rescue Riders in educating motorcyclists, and are pleased to present this donation to help support this endeavor in Wisconsin and Illinois."

The donation will be used to recruit, educate, equip and organize volunteer motorcyclists to provide emergency assistance in times of need, training them in first aid, CPR and basic medical triage.

"We are grateful for Hupy & Abraham's support of our program," noted Dean Akey, founder of Rescue Riders. "This will provide a critical resource for motorcyclists across the region, who have been blessed with the support that Hupy & Abraham has given us over the years".

For more information, please visit www.hupy.com or www.rescueriders.org.

ABOUT HUPY & ABRAHAM, S.C.

Hupy and Abraham, S.C., has a proven record of success in driving results for injured bikers and settlements in other serious cases. Founded in 1964, Hupy & Abraham, S.C.'s lawyers have combined experience of over 125 years, handling thousands of cases from routine accidents to those resulting in multi-million dollar settlements. Hupy and Abraham accepts cases nationwide, with offices in Milwaukee, Madison and Appleton, Wisconsin and in Bloomington/Normal, Peoria, Rockford, Decatur and Gurnee, Illinois. For more information, please call 1-800-800-5678 or visit www.hupy.com.

ABOUT RESCUE RIDERS

The Rescue Riders is a 501c3 charitable organization based out of St. Charles, IL and was founded by Dean Akey five years ago after his involvement in a motorcycle traffic accident. Akey has become an expert in first aid, CPR, basic medical triage and accident scene management and now provides training and tools to fellow volunteer bikers to become first responders as Rescue Riders. Rescue Riders offer assistance on an individual basis and directly support the professional emergency response organizations in their communities. For more information, please call 630-444-0588 or visit www.rescueriders.org.

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The Bull Pen via Thunder Roads. October 2009

Dean Akey (Akey Financial Services) — Tue, 22 Sep 2009 15:25:26 -0500

Welcome back to the Bull Pen. Are you a channel surfer? Do you ever feel that even with 300 channels there is nothing "good" on television? Steven Wright once said "Don't you wish there were a knob on the TV to turn up the intelligence? There's one marked 'Brightness,' but it doesn't work". Recently I was on one of my channel surfing safari's and found a show about people who have won the lottery. You would think this is a "rags to riches" story. To my surprise it was more of a "rags to riches to rags" saga. The show profiled people like William "Bud" Post who won $16.2 million in the Pennsylvania lottery in 1988 but now lives on his Social Security.

After winning the lottery, Post's former girlfriend successfully sued him for a share of his winnings. It wasn't his only lawsuit. A brother was arrested for hiring a hit man to kill him, hoping to inherit a share of the winnings. Post even spent time in jail for shooting a gun over the head of a bill collector. Post eventually filed for bankruptcy & now he lives quietly on $450 a month and food stamps.

To many, winning the lottery is an American Dream. The American Dream to me is to own a 65 panhead and a 47 Indian Chief. To me, the Panhead was the last truly classic "old school" bike that was manufactured by Harley Davidson. My two shovelheads were crap but that's probably more due to the AMF/Harley years. The lines of the 47 Indian Chief are the pinnacle of classic styling and flair that you would expect from Americas first Motorcycle Company. As you can probably tell, I am a big fan of both Harley & Indian. I want one of each....

In case you didn't know, Indian designed their first bikes in 1901 two years before the start of the Harley Davidson legacy. Indian was not only the first American motorcycle, it was the world's best-selling bike and, having introduced the first V-twin motorcycle to the world in 1907, the most technologically advanced. Harley-Davidson 1910 models, by contrast, were all singles, producing five horsepower or less.

Indian Motorcycles were originally manufactured under the corporate banner of the Hendee Manufacturing Company, which later reincorporated as the Indian Motorcycle Company. Not a bad move is you ask me. Riding an Indian just sounds cooler than riding a Hendee...

Much like Harley Davidson, Indians and their riders were bound by emotional ties unusual in relationships between bikers and their machines. Thousands of Indian fans flocked to dealerships throughout the country at annual Indian Day celebrations, while riders and prospective riders were warmly welcomed at the Indian's manufacturing plant affectionately nicknamed "The Wigwam" decades before official tours were offered to the public.

It was a sad day for Indian enthusiasts when Indian ceased manufacturing "Americas First Motorcycle" in the early 1950s. A company in Gilroy, California began manufacture in the late 1990s of motorcycles under the Indian name after they purchased the trademark. The motorcycles have been known as the Gilroy Indians. However, the company folded in 2003.

So is there a happy ending? I hope so. In July 2006, under new a management team and corporate structure Indian reopened their doors for business. I may not be able to find a "cherry" 1947 Indian Chief but starting in 2008 new Indians began to roll off the line at the new "Wigwam" manufacturing facility in Kings Mountain, North Carolina. I recently had the opportunity to check out some of the new 2010 Indian models and all I can say is these are flippin bad ass... Check out the classic lines of the Bomber. I want one of these in my garage. These scooters aren't cheap so I better sell a buttload more motorcycle insurance to make my dream a reality. Get the hint??

Initially, Indian motorcycles will have a limited production run until their dealership network expands. On that front, my old friend Bob Marchello and his partner Matthew DiVenere are reintroducing Indian Motorcycles to the greater Chicago area by opening Indian Motorcycles of Chicago. You can check out the new 2010 models at their new dealership located at 474 Ridington Drive, in South Elgin IL. Good luck Indian Motorcycles, it's great to see the return of a classic.

Switching Gears

The history lesson is over. Now it's time to help make history. Many of you know about the Rescue Riders. In five short years we have grown to over 2000 volunteers nationally. That's quite an accomplishment for an all volunteer organization. Our volunteers have provided emergency assistance to quite a few fellow bikers from coast to coast. To celebrate and raise some much needed dough, we are throwing one heck of a party and you are invited. The proceeds from this year's event will also benefit the children from Mooseheart's Child City School. We will be hosting FrightoberFest on October 17^th and have one great day planned for you. Festivities start with a poker run followed by a music festival with an amazing lineup of bands. The Miller Girls & Jager Girls will be on hand to help quench your thirst and to top it off there will be a costume contest. I am torn between showing up as an Amish person or sticking with my French maid costume. If you have an idea for future editorials or you would like to reach me please call me at 630-232-9811 or drop me a line at deanakey@allstate.com. Until next month, enjoy the ride.

The Bull Pen via Thunder Roads. September 2009

Dean Akey (Akey Financial Services) — Tue, 18 Aug 2009 12:13:23 -0500

Welcome back to the Bull Pen. Are you ready for another fun filled edition? Ok then, let's get started. It has been said that four wheels move the body and two wheels move the soul. I couldn't agree more. I call it two wheel therapy. Just think about it, do you ever see motorcycles parked in front of a psychiatrist's office?

My most recent therapy session was to Sturgis. It has been several years since my last visit so I was looking forward to the journey. As each mile passed, I felt my demons shrinking away. By the time we rolled into the Black Hills, I was my old self. Hello old friend... Sometimes there is no substitute for 1000 miles of blacktop. No music, phone or distractions. Just the road. To complete my therapy, I made the journey home solo. It may sound odd but I have always preferred to ride alone. If you get to really know me you would probably prefer that I ride alone as well but that's a topic for another monthly edition of the Bull Pen. Included in this month's edition are a few pics from this year's trip which I hope you enjoy.

Now let's switch gears. Recently, I received a letter from the IRS. Yep, that's the Internal Revenue Service. It just makes me cringe to think that the IRS would find time to write to me. With nervous hands I carefully opened the letter. What a relief it was to discover that the IRS has granted the Rescue Riders our much anticipated 501c3 charitable organization status.

If you are not familiar the Rescue Riders, we are a national volunteer organization which recruits, trains and helps organize bikers as emergency medics in support of your runs and events. To date we have over 2000 volunteer medics nationally and continue to grow. With our much anticipated 501c3 status, we can now begin our fundraising efforts to help further build our program and offer our volunteers and you additional support. If you would like to learn more or join our program I invite you to visit our web site at www.RescueRiders.org or our discussion forum at www.illinoisblogspot.com/group/rescueriders.

That's all I have to say about that. Until next month, enjoy the ride.

The Bull Pen via Thunder Roads. August 2009

Dean Akey (Akey Financial Services) — Sat, 18 Jul 2009 09:58:26 -0500

Welcome back to the Bull Pen. Can you feel it in the air? That's right, it's Sturgis time. While writing this month's article I am counting down the days until we once again blast off for Sturgis. Oliver Wendell Holmes once said "We do not quit playing because we grow old, we grow old because we quit playing". I couldn't agree more Ollie.

Past memories of twisting the throttle as we race thru the needles highway, Spearfish Cannon and the badlands put a smile on my face. There is just something magical about the black hills of South Dakota. Most bikers consider Sturgis the center of the world. We may be a bit biased but next to Sturgis is Belle Fourche which is actually the geographical center of the United States of America, designated in 1959 and noted by an official marker and sheepherder's monument called a "Stone Johnnie". I once knew a guy whose nickname was Johnny Stone but that's a whole different direction that I want to go this month...

Weekend riding seems to help take the edge off from the past week but there really is no substitute for a long road trip to free the spirit. I slip in my ear plugs, fire up my scooter and can feel the effect that each mile has on my road to recovery. By the time I return from my Sturgis pilgrimage, I am full of energy, optimism and a fully recharged spirit. Are you with me?

Now let's switch gears

Brother can you spare a dime? This was a commonplace saying in the great depression. Today we have many of the same conditions which brought our great nation to its knees in the 1930's. During this period President's Hoover & Roosevelt developed government programs like the "New Deal" to help return America to its economic health.

While our current economic stimulus and bailouts are taking a vastly different approach there are some elements which may benefit you. You may be surprised to know that motorcycles are considered qualified vehicles in Section 1008 of the Economic Stimulus Package. The intent of including motorcycles as qualified vehicles was to encourage Americans to "go green". It's no surprise that motorcycles are more fuel efficient than autos so the move does make sense.

The new law guarantees that anyone who purchases a new motorcycle, light truck, new car or recreational vehicle, Feb. 17 through Jan. 1, 2010, will deduct state and local sales taxes as well as any excise tax charged in the purchase. In order for citizens to obtain the tax deduction, the bike must be less than 8,500 pounds in gross vehicle weight and cost less than $49,500. The buyer must also make less than $125,000 in gross taxable income and $250,000 for joint filers. However, the deduction is phased out for taxpayers with modified adjusted gross income between $125,00 and $135,00, and $250,00 and $260,00 in case of a joint return.

If motorcycles aren't your thing, this provision also applies to qualified cars and trucks. Heck, even folks buying motor homes get a break. Even though motor home sales have slumped, a tax provision for motor homes is included, which allows a portion of the sales or excise tax paid on the purchase of a new motor home to be deducted.

The deduction is attributable to taxes applying to the first $49,500 of the purchase price. Individuals with an adjusted gross income of up to $125,000 and joint filers with an adjusted gross income of up to $250,000 are eligible for the deduction.

So what does this mean to you? Let's assume you just bought a new Road King for $20,000. If you were not trading a vehicle you would pay sales tax on the total. If you are trading a vehicle you only pay sales tax on the "difference". So using our example, you just shelled out $20,000 and fork out an additional $1500 for sales tax (7.5%). Our friends in Chicago would pay $2000 thanks to the efficiency of Cook County. So now that you have shelled out this money what's next?

Thanks to the new Economic Stimulus Package you can deduct the amount you paid in sales tax on a new qualified vehicle from your gross income. Let's do the math to see how this impacts you. For our example let's say you made $100,000 in 2009 and your tax rate is 32%. By reducing your income by $1500 you just pocketed $480. It's not a whopping sum but as my grandpa would say, "it's better than a stick in the eye".

Times are tough for everyone so a few extra bucks is always good news in my book. I recently bought a new 2009 Street Glide and I damn sure will be deducting my sales tax..... Heck, now I can buy some more bling for my scooter.

So there is the good news. You are now one step closer to getting that new scooter. Now to make sure that you get the best deal and coverage on your motorcycle insurance you need to call me. I can customize a plan for you that protects you, your family and your new scooter. If I can help you please call me at 630-232-9811 or drop me a line at deanakey@allstate.com. Until my next edition, ride safe and often. Until next month, enjoy the ride.

What's a Trauma Momma?

Dean Akey (Akey Financial Services) — Wed, 17 Jun 2009 10:28:29 -0500

Are the buttons on my vest popping yet? It is with great pride that I share the following article with you. This article was written by Tom Clegg at Nursing Spectrum Magazine.

Way to Go T.

When Teresa McClelland, RN, became the clinical coordinator at Loyola Center for Heart and Vascular Medicine in Park Ridge, Ill., a little more than a year ago, having weekends off gave her the opportunity to more regularly enjoy her other passion - riding motorcycles.

But after being involved in an accident while on a ride with friends, McClelland, formerly a trauma nurse specialist and emergency medical services educator for 10 years, saw the need for motorcyclists and others to have a basic knowledge of trauma care.

"When I went down, my (fellow) riders secured my bike, but I think they were unsure of what to do with me," McClelland said. After a little research, McClelland came upon the nonprofit group Accident Scene Management, Inc., and she became an instructor.

McClelland, known to fellow bikers as "Trauma Momma," in October began teaching "A Crash Course for the Motorcyclist," which offers tips for RNs and bikers on what to do in the first minutes after a motorcycle crash until professional help arrives. The course uses the acronymn PACT as a teaching tool - Prevent further injuries; Assess the situation; Contact the EMS; and Treat the injured with life-sustaining care.

McClelland said the education is useful to anyone, especially those who ride or are passengers on motorcycles.

McClelland also is the director of training for the volunteer, non-profit motorcycling group Rescue Riders, whose members provide emergency assistance.

The course is available nationwide, and McClelland will find an instructor for groups outside Chicago. But don't be surprised if she hops on her bike to do the teaching herself. "[In March] I went to Montana and taught a class," she said.

Tom Clegg is a member of the editorial group at Nursing Spectrum.

For information on Accident Scene Management, Inc. and Rescue Riders, visit www.accidentscene.org and www.rescueriders.org.

Drivers hold key to stopping death by distraction

Dean Akey (Akey Financial Services) — Mon, 15 Jun 2009 08:10:12 -0500

By Marni Pyke | Daily Herald Staff

Ahh, multi-tasking. What a great world, where you can gab on the phone and grab a Starbucks - all from the convenience of the car.

Problem is, the next time you're engaged in a heated conversation while switching radio stations and switching lanes -- odds are something bad will happen.

We are a nation of distracted drivers and it's costing us lives and property damage.

One local case that's provoked outrage is the death of motorcyclist Anita Zaffke of Lake Zurich, killed May 2 by another driver who was polishing her nails instead of watching the road, police say.

May was a horrific month for motorcyclists in the region. Killed in separate accidents were Zaffke, husband and wife Wade and Denise Thomas of St. Charles, Michael Smith of St. Charles and Michael Lechner of Buffalo Grove.

"This is the ugliest start to riding season in Illinois that we ever have seen," said Dean Akey, a veteran biker and owner of an Allstate Insurance business in St. Charles.

Zaffke's death is adding weight to calls for a law that gives authorities a means of prosecuting distracted drivers.

Currenhtly, charges that could be applied, like reckless homicide, are based on premeditation, which is problematic to prove. Motorists who kill people through carelessness usually end up with a slap on the wrist.

Legislation sponsored by state Rep. William Black, a Danville Republican, would create a misdemeanor category for negligent vehicular homicide. It could result in up to a year in prison and a maximum $2,500 fine.

Although his proposal faltered this session, Black is hopeful an amended version will gain traction in the fall.

He pushed for reform after 25-year-old bicyclist Matt Wilhelm was killed in Urbana by a driver who went off the road while downloading ring tones on her cell phone.

"(Matt's) parents were upset she was only charged with improper lane usage," Black said.

What the stats show

The number of motorcycle accidents and fatalities in Illinois has grown since 2000.

Accidents decreased from 4,483 in 2005 to 4,119 in 2006 but soared to 4,819 in 2007, the most recent year analyzed by the Illinois Department of Transportation. There were 154 motorcycle deaths that year, too.

So how many of these losses are caused by people talking on cells, texting or checking e-mail while going 45 mph?

There's no detailed studies breaking down categories of distracted driving victims, although the Virginia Tech Transportation Institute has initiated a study on motorcycles.

What we do know is cell phone use contributes to 6 percent of crashes, which equals 636,000 collisions a year in America and 2,600 deaths, according to a Harvard Center of Risk Analysis report.

A VTTI and National Highway Traffic Safety Administration study of 100 cars found that 80 percent of crashes and 65 percent of near-crashes involved a driver not paying attention.

Personal crusades

Anecdotal evidence suggests that texting, talking on the phone and using other electronic devices while at the wheel "is sky-high," said David Teater, senior director of transportation strategic initiatives at the National Safety Council in Itasca.

"One real danger for motorists is that automobile drivers don't see them - they're looking for a car in their mind's eye," Teater said. "If you add a cognitive distraction to the already difficult task of recognizing a biker, it makes it worse."

That's not to say these tragedies are always caused by inattention.

In 2007, "speeding was a factor in 36 percent of fatal motorcycle crashes compared to 24 percent for fatal passenger car crashes," a National Safety Council report states.

And, "27 percent of motorcycle operators involved in fatal crashes were intoxicated compared to 23 percent of passenger car drivers."

Akey disputes the stereotype of motorcyclists as irresponsible and says a distracted driving law is desperately needed.

In January, the NSC started lobbying for a nationwide ban on cell phone use while driving and has seen some success. In Illinois, the General Assembly passed legislation banning texting while driving and cell phone use in school or construction zones.

These victories like that encourage Teater, whose 12-year-old son died when a driver talking on a cell phone ran a red light and hit the family car.

"It was terrible, but at least I now have the opportunity to do something about it," he said.

Akey also is motivated by personal experience. Five years ago, he cracked his skull when his motorcycle was rammed by a minivan driven by a parent too busy scolding a child to see him.

He has since founded Rescue Riders, a program that trains motorcyclists to offer emergency assistance in accidents.

"There's an epidemic of distracted drivers doing harm to other people," Akey said. "We've become a multi-tasking society that thinks we can eat and listen to music and do whatever while we're driving. I don't believe we can."

The Bull Pen via Thunder Roads. July 2009

Dean Akey (Akey Financial Services) — Wed, 10 Jun 2009 14:09:16 -0500

The Bull Pen

Dean Akey

Welcome back to the Bull Pen. Can you believe the summer is already half over? How time flies. This year's riding season has been brutal to our biker brothers & sisters. We have seen more accidents and fatalities this year than we have as long as the pointy heads have been keeping track. For that reason I wanted to share with you some information that I hope you never need.

At the risk of sounding self serving I am going to write about your motorcycle insurance. Your motorcycle insurance is like a parachute. You don't really appreciate it until you need it. I hope you read on and understand how your policy can protect you, your family and your property.

Are you ready? Well then, let's get started. As consumers, we have been conditioned to compare insurance based upon price. If you have seen the Progressive Insurance television commercials Flo tells us all how you can save money. Let me say that even though I think Flo is a "hottie" I want you to focus on your individual needs first and then look at the price. Let me break down some of the key components in your policy.

Bodily Injury/Liability: This is the portion of your policy that protects your liability when you cause harm to another individual. If you are in an accident and it's your fault, you are protected up to the limits of your policy. Quite often I talk to bikers who have $20,000/$40,000 of liability protection. This means if you harm another person, your policy will pay up to $20,000 per person and $40,000 per accident on your behalf to the injured person or persons. A few years back I was hit head on by a minivan which left 60 staples in my head, broke my collar bone and all of the ribs on my right side. My medical bill was $14,000 and I did not stay in the hospital overnight. I share this with you to demonstrate how quickly your liability can add up.

Uninsured/Underinsured Liability: Many folks ask me what this is. In a nutshell, this is coverage for you. Unfortunately Illinois only requires motorists to carry a minimum of $20,000 of liability coverage. Some states do not require motorists to carry any liability insurance. If someone injures you and they do not have insurance or sufficient insurance coverage to pay for your damages, your Uninsured/Underinsured coverage can pick up the slack. This is one of the most important elements of your policy and very often overlooked.

Property Damage: This is the protection you have if you damage other folk's property. Most of you carry $50,000 of property damage on your policies. What this means is that if you cause an accident and a BMW hits a Corvette, all you have to repair or replace their vehicles is $50,000. Don't get caught in this trap. All motorcyclists need at least $100,000 of property damage. The good news here is that it typically costs less than $20 years to upgrade from $50,000 to $100,000 so don't delay. I often hear the objection, how much damage can my bike cause to another vehicle. You don't even need to make contact with another vehicle to be at fault. If you are ticketed and two vehicles collide you are responsible to repair or replace their vehicles. I have personally seen $100,000 property damage claims where the bike was not damaged but the operator was found to be at fault. Don't let this happen to you.

Guest Liability: Do you ever take passengers for rides? If you do you should have Guest Liability Coverage. These levels are typically consistent with your Bodily Injury and Underinsured/Uninsured coverage. This component of your policy covers your liability when carrying a passenger. In other words, if you are in an accident and your passenger is injured, you could be sued for damages. If your policy provides this coverage you are protected up to the limits of your policy. Now for the scary part. Many motorcycle policies do not provide this coverage. If you don't have this on your policy, ride solo.

Collision: This is the component of your policy that pays to replace or repair your scooter. You choose the deductible that fits your budget and your motorcycle will be repaired or replaced up to the market value of your bike. Now if you are like me you have probably added some bling to your scooter along the way. What happens if your bike is wrecked? Read on.

Optional Equipment: If you are riding a stock bike skip to the next section. If you have upgraded your bike you need optional equipment coverage. Most insurance agents mess this part up. Here is how optional equipment coverage works. Let's say that you added a Mustang seat ($650) Bassani Exhaust ($850) and Custom Wheels ($2000) and a Baker six speed transmissions ($2500). Your agent may tell you that you need $6000 of optional equipment coverage. Sorry to tell you this but if you took that advice you are paying too much. In calculating the correct dollar amount of Optional Equipment coverage you need we need to determine the difference between your upgrades and the original stock components. Let's assume your bike is damaged in an accident. You already have coverage to repair/replace your stock components less your deductible. If your policy will already pay for a stock exhaust ($350) and stock wheels ($1000) and stock transmission ($1450) all you need to do is cover the difference which in this case would be $3200. Many policies already include some coverage for Optional Equipment so if your policy covers $1000 of optional equipment already, add the $2200 and you are covered. If you have custom paint or engine upgrades you typically want to cover those at the full value of the upgrades.

Comprehensive: This component of your policy typically covers you for incidents that occur when you are not riding your scooter. There are a few exceptions to this but that's another topic in itself. If your scooter is vandalized, damaged by hail etc your comprehensive will pay to repair or replace your vehicle less your deductible.

Rider Protection: This is an Allstate exclusive. A few years ago the pointy heads at Allstate asked me to help them design a new motorcycle policy. My reaction was why are we offering what everybody offers? Let's reinvent motorcycle insurance. We did. Most motorcycle insurance companies offer much of the same "stuff". Up to now, none of the motorcycle insurance companies offered protection for the rider. Our new Rider Protection package will pay you if you are injured and cannot work as the result of an accident. The payments will continue as long as you are unable to return to work. In addition, we can also include $15,000 of life insurance if the worst happens. As bikers, we all like to think that we will never be in an accident or worse but having been in several myself, I can tell you this does happen more than we would like to think.

So what do I recommend you should carry in terms of coverage? It really depends on your needs. Are you married? Do you have children? A mortgage? Your policy should fit your needs. Don't hope you are covered, know so. My name is Dean Akey and I sell motorcycle insurance. I enjoy working with fellow bikers helping you protect what matters most. If I can help you with your insurance please drop me a note at deanakey@allstate.com or give me a call at 877-232-9899. I would love to hear from you. Until next month, enjoy the ride.

Bull Pen July 09 Via Illinois/Wisconsin Biker Information Guide

Dean Akey (Akey Financial Services) — Fri, 22 May 2009 08:52:31 -0500

Zzzzzzzzzzzz

So you are having troubles sleeping? Read on. Let's face it, talking or in your case reading about insurance is about as much fun as watching paint dry. Woody Allen once said, "There are things worse than death, Have you ever spent an evening with an insurance salesman"?.

Personally I have never cared much for insurance folks. When I think about a typical insurance agent the image of a "triple Cleveland" comes to mind. What's a triple Cleveland say you? A triple Cleveland is when you wear white shoes, a white belt and a white tie. Are you with me so far?

Ok, now that I have ripped on insurance folks including myself, there are some very important things you should know about your insurance. I can tell you first hand both as a victim and agent that most of you are at risk. Let me start by sharing a common truth with you. The only insurance you can count on is yours. It may surprise you but in many states you don't have to carry motorcycle insurance and in Illinois you are only required to carry $20k of liability insurance.

What does that mean to you? Let's use me as an example. A few years back, I was hit head on by a minivan. The accident broke my ribs, collar bone and made my head look like something out of a science fiction movie. I spent a few hours in the emergency room where they ran multiple tests. My bill was $14,000. What would have happened if I had to spend a few days in the hospital? What if it was more serious? We see six figure medical bills quite often for serious accidents and if the person at fault does not have sufficient insurance coverage you should make sure you do. The coverage I am talking about is called Uninsured or Underinsured Motorist coverage. If you don't have it on your policy call your agent and get it. This is the portion of your insurance that makes up for any deficiency the other persons insurance may have.

There are quite a few other components of your insurance you should know. Since I only have 400 words here you will have to wait until the next installment. Are you protected? Don't hope so, know so. Call your agent. My name is Dean Akey and I sell insurance without a triple Cleveland. If I can help you please give me a call. You can reach me at 877-232-9899.

God Speed Anita

Dean Akey (Akey Financial Services) — Wed, 06 May 2009 10:04:09 -0500

The Bull Pen

God Speed Anita

by Dean Akey

In a split second it was over... How could this happen? Anita Zaffke was enjoying some quality two wheel time in Lake Zurich IL Saturday afternoon, May 2^nd and noticed the light was turning red. Zaffke stopped and waited for the light to change so she could resume her ride. The light never did turn Green for Zaffke.

Zaffke was struck by Lora Hunt, 48 who admittedly was painting her nails at the time she hit Zaffke with her Chevy Impala. According to Lake County Sherriff Mark Curran, Hunt conceded that she was not paying attention and did not see the motorcycle stopped in front of her.

Zaffke was wearing a helmet and reflective vest when struck. The impact was so violent that it threw Zaffke and her Honda Shadow about 200 feet up the road. Think about it, 200 feet is the height of a 20 story building. Zaffke died about an hour later at Advocate Good Shepherd Hospital in Barrington IL.

In just a split second Hunt took away everything that Zaffke was and could be. For Anita Zaffke, life was over.

The Lake County State's Attorney is investigating the accident and will decide if criminal prosecution is warranted. Unfortunately, under existing statutes, proving felony vehicular homicide may be a difficult case to prosecute based upon the existing definition. State Rep. William Black (R-Danville) sponsored the "negligent vehicular homicide" bill which would carry a penalty of up to 3 years in prison. Black introduced the bill this year after a bicyclist in his district was killed by a motorist downloading ringtones to a cell phone. Under the proposed law, distracted drivers who cause deaths would face a prison sentence as well as a $25,000 fine and revocation of their driver's license for at least one year upon conviction.

This tragedy has renewed the debate in Illinois whether a momentary distraction amounts to criminal behavior, comparable to drunken driving.

Let's face the facts. Motorcycle accidents and fatalities are a major concern. "Our nation's greatest traffic highway safety challenge is motorcycle fatalities," says U.S. Transportation Secretary Mary Peters, noting that biking deaths are rising while other vehicle fatalities are declining"

According to the U.S. Department of Transportation's National Highway Traffic Safety Administration (NHTSA), in 2007, 5,154 people died in motorcycle crashes, the highest level since NHTSA began collecting data in 1975. The 2007 figure represents a 6.6 percent from 4,837 the previous year.

Motorcycle crash fatalities have increased every year for the past 10 years. Motorcyclists were 35 times more likely than passenger car occupants to die in a crash per vehicle mile traveled in 2006 and eight times more likely to be injured, according to NHTSA.

Zaffke's accident is a fairly rare occurrence. According to the NHTSA, Only 5 percent of motorcycle fatalities were struck in the rear. 78 percent of the motorcycles fatalities involve two vehicles were struck the impact is in the front.

So what can my 7.1 million biker brothers and sisters do to help address this epidemic? As bikers we need to be seen and heard. I hope you join me in supporting legislation like the negligent vehicular homicide bill that would allow us to effectively prosecute those who do us harm.

I would also ask you to join me in developing your skills to provide emergency medical assistance to the victims of accidents. What we do immediately after an accident until professional emergency response personnel arrive can and does save lives. I invite you to visit the Rescue Riders www.rescueriders.org and ask yourself if you are ready to "Ride for a Reason".

My thoughts and prayers are with the family and friends of Anita Zaffke. There will be a visitation at Ahlgrims funeral home, 415 S Buesching Rd in Lake Zurich on Thursday May 7^th 3pm & 9pm. The funeral service will be Friday at 10:00 am. The family has asked us to help spread the word and has encouraged all interested motorcyclists to join these services to honor the memory of Anita Zaffke.

I hope you can join me in honoring Anita and all of our fallen brothers & sisters. God speed Anita.

Economic Stimulus for Bikers....

Dean Akey (Akey Financial Services) — Tue, 21 Apr 2009 09:13:44 -0500

The Bull Pen, Thunder Roads May 2009

Dean Akey (Akey Financial Services) — Wed, 15 Apr 2009 14:03:26 -0500

Passing the Torch

Welcome back to the Bull Pen. If you don't remember me, my name is Dean Akey and I will be your guide for another fun filled edition. Are you ready? OK then, let's get started...

It has been said that four wheels move the body, two wheels move the soul. Riding always has been a spiritual journey for me. My journey started twenty five years ago with Laverne. Laverne was my 1979 Harley Sportster. Since Laverne, I have had quite a few more spiritual relationships. Betty, my 2001 Road King has been the longest and quite honestly the most spiritual of all of the relationships I have had over the years.

Betty has served me well over the years taking me across country more times than I can remember. She was with me when I was hit head on by a minivan on a crisp Sunday morning. I was in Plainfield and was hit on a single lane metal grate bridge. The accident left me with a broken collar bone, ten broken ribs and a head that looks like something out of a horror movie. The insurance folks wanted to throw in the towel on Betty but I would not hear of it. I was lucky to be alive and Betty took the lion's share of the damage to protect me. I figured if I am still here that Betty should be as well.

Betty and I began to heal together and we both returned to the road once again. Of course she looked much better than I did. Every time I threw my leg over Betty, I would stroke her tank and ask her to once again help me complete my journey. Over time I would give Betty presents like the thirteen guardian bells that adorned her handle bars. Those were Betty's earrings. The color matched Iron Braids that were on her clutch and break levers were her long flowing hair.

Over time Betty started to show signs of getting "tired". I didn't really notice much as I always saw Betty as something more than a motorcycle. She was as beautiful to me as any motorcycle ever made. I was and still am in love with my girl.

We had a connection that I am sure many of you have with your trusty scooters. I could tell by the sounds or feel if there was anything wrong with my girl. I believe the key to any lasting relationship is being dialed into the needs of your partner.

You may be surprised to know but in addition to being Editor of Thunder Roads, I am also an Ordained Minister. I don't hold a position in a church but do have quite a strong relationship with my God. My God and my soul mate Eileen, who is my bride of nineteen years, helped me realize that it was time to make the change.

The wonderful folks at Zylstra who originally introduced me to Betty in 2000 and had built her over the years to my specifications understood my attachment and actually did an amazing job helping me. Tiny, Zylstra's GM was more of a grief counselor for me than I could have hoped for. I took delivery of my fourteenth motorcycle and decided to name her "Black Betty". If you are wondering why I chose the name Betty let me explain. Betty was named after the 1940's pinup legend Betty Page. To me Betty Page was beautiful before you could buy beautiful and she didn't know it.

My wish is that Betty's next relationship is as wonderful as ours has been and I wish her well. Betty and I had in common our restlessness and love of the open road. Now my attention is focused on building my new relationship with my new 2009 Street Glide "Black Betty".

You may notice from the pictures of Betty & Black Betty that I have dedicated my new scooter to the Rescue Riders. Thanks to the generosity from the law firm of Hupy & Abraham and Allstate Insurance Company, we have trained over 500 volunteer Rescue Riders in Illinois & Wisconsin. These fellow bikers have the training and tools to help victims of accidents. In 2009 we will be training more Rescue Rider volunteers so stay tuned. If you would like to learn more about the Rescue Riders please visit our website www.rescueriders.org.

Well, that's it for this month. When I am not sharing my wisdom with you via my Thunder Roads editorials or running the Rescue Rider program, I run an insurance agency West of Chicago. I enjoy working with fellow bikers helping you protect what matters most. If I can help you with your insurance please drop me a note at deanakey@allstate.com or give me a call at 877-232-9899. I would love to hear from you. Until next month, enjoy the ride.

Out & About, Thunder Roads. May 2009

Dean Akey (Akey Financial Services) — Wed, 15 Apr 2009 14:17:44 -0500

Out & About

May 2009

Dean "Bull" Akey, Editor Thunder Roads

Riding season is here and we have added a new feature to our magazine. The column is called "Out & About" and we will be featuring area rides & events that are on my "most excellent" list. Let's face it, as bikers we do more to support our communities than any other demographic group in existence. Each month I will highlight some of the events that make my "most excellent" list and hope you can join me. Are you ready? Well, throw a leg over your trusty scooter and let's ride.

Sunday, May 3^rd, 2009 Ride Janie

My friend Jane Orlock Bawel of Downers Grove, was diagnosed with Non Hodgkin's Lymphoma in 2005 and was in need of a stem cell transplant. Janie faced astronomical medical expenses not covered by insurance. You probably already know what I think of those darn insurance people. Bikers to the rescue. The first event attracted about 400 bikers and raised close to $50,000. Janie got her transplant. "The outpouring of love, support and healing that day from the hundreds of motorcyclists and attendees was a gift I will treasure always," says Bawel. "My husband, Brandon, and I felt so blessed that we wanted to pay it forward."

From the first Ride Janie event in 2005, Janie and her tireless group of volunteers have kept their promise of "paying it forward" and seek out area children suffering with similar conditions. This year's ride will benefit Kataryna Lantgen (6) of Hanover Park, Logan Lavery (4) of Lombard and Samantha Wildeboer (14) of Northbrook, who have been diagnosed with blood cancer.

The ride will begin at Wild Fire Harley Davidson and Buell, 120 W. North Ave., Villa Park; follow a 60-mile fully escorted route through the Southwest suburbs and end at Heroes West Sports Bar & Grill in Joliet. Registration and activities start at 8:30 a.m. Kickstands up at 11 a.m.

Event details and pre-registration are available on the Ride Janie Ride Foundation Web site, http://www.RideJanieRide.org.

May 16^th Mooseheart Bike Blessing

Are all bikers superstitious or is it just me? Even though I am a man of the cloth I always start my year with some divine intervention. This year I will be getting my spiritual boost at the 6^th Annual Mooseheart Run & Bike Blessing. This year's event benefits the Special Olympics and the Mooseheart Child City & School. These organizations do amazing work in our communities so I hope you can make it. Registration begins at 8:00 am at the Mooseheart Campus which is located between Aurora & Batavia on Mooseheart Road which is East of Randall Road and West of Route 31. The blessing will take place at the Mooseheart Field House at 11:00 am followed by a 70 mile escorted ride ending with a free hog roast at Zylstra Harley Davidson in Saint Charles.

Jean Davidson, Author & Granddaughter of Walter Davidson, Founder of Harley Davidson will be the guest of honor for this event. For more information please visit www.mooseheart.org.

May 17^th Little Angels

The Annual Little Angels Pledge Run began in 1988 as a means for an Elgin Harley Owners group (EAO) to give back to the community. The group approached 2 other charities before Little Angels and was turned away because of their "biker image." This organization then reached out to Little Angels Administrator Shelley Lewis and found a grateful recipient.

From this partnership, the Little Angels Pledge Run was born. The first Run was a local event and raised a little over $9000. Since then, the Little Angels Pledge Run has grown into one of the Midwest's largest single-day motorcycle pledge events, includes in excess of 2000 motorcyclists annually and has raised over three and a half million dollars. These funds made possible the construction of a state-of-the-art, nationally recognized residential facility and developmental training center.

The Little Angels is a loving home for children and young adults with severe disabilities and complex medical needs. It is a state-of-the-art facility offering round-the-clock skilled nursing, therapeutic and habilitation services in a warm, caring environment. Little Angels may not be a home in the traditional sense, but it does provide the most important aspects that make a home--love, care and support. I have toured the Little Angels facilities and was amazed at the care and compassion these folks provide.

This Elgin Area Organization of Harley Owners (EAO) sponsors this event and will be partnering with The Loop, Chicago's Rock Station's Eddie Webb, afternoon DJ at The Loop, and a Harley rider himself. Eddie will jump on his Harley and take part in this year's Pledge Run. Joining Eddie will be the The newly-crowned Loop Rock Girl! Join us for some great burgers and brats at the after-party while listening to live music from Three-Finger Fencl.

The grand prize winner will walk away with a 2009 FLHTCU Ultra Classic Electra Glide or $10,000 cash. Second place is a 2009 XL 883L Sportster or $5,000 cash. Come out and have some fun with us. The Pledge Run starts and ends at Woodstock Harley-Davidson, 2050 Eastwood Dr., Woodstock, IL. Registration: 10 am - 12 noon. The Post-ride party will be 1 pm - 5 pm. Your registration fee includes bagels and coffee before the ride and lunch, drinks and entertainment after the ride. 100% of your pledge money supports Little Angels.

That's it for my May "most excellent" list. Of course there are many other most excellent runs and events out there so keep on keeping on. If you would like to share your event with us please post your event details at www.illinoisblogspot.com. The Illinois Blog Spot is the largest free site for area biker events in Illinois & Wisconsin so please let us know about your events. Until next month, ride safe and often.

The Softer Side of Bikers

Dean Akey (Akey Financial Services) — Thu, 26 Mar 2009 10:47:20 -0500

Many of you know that I am a lifelong biker. When you think of bikers what comes to mind? Law breakers? Tattoos? Loud Pipes? Trouble Makers?

You may be surprised to know that as a demographic, bikers contribute more to philanthropic causes than any other group of people in the nation.

I know, some of us including me look kinda scary but once you get to know us you may find that we actually are decent folks.

Much has changed over the years but I am still troubled by the perception that many of you have of us bikers...

Many bikers have a softer side and are damn sensitive. To prove my point I want to introduce you to one of my most excellent biker brothers Ed. Ed is a hard core biker who logs a ton of miles and when not riding, Ed serves the people as a police officer.

Ed has raised many thousands of dollars for charity and works tirelessly on behalf of less fortunate folks. Ed also has a sensitive side.... Dont believe me? Watch the video... Nuff Said....

I'm Really Pumped About This Root Canal

Dean Akey (Akey Financial Services) — Wed, 18 Feb 2009 09:15:03 -0600

Lets face it, everyone has their Achilles heel. What I mean by that is everyone has something that they absolutely dread. For me it's the dentist. For others it may be talking to insurance agents, accountants, Realtors or lenders. There are countless things that people dread. My question is, what do you do to help your clients overcome this fear on their terms?

As I mentioned, I have always dreaded my dentist appointments. Maybe it goes back to some bad experience that I had as a kid or maybe I am just a wimp. Either way, I just knew that when it was dentist time I was always looking for excuses to put it off. Fortunately for me I found a dentist that "Caters to Cowards".

This dentist treated me on my terms and what a wonderful change. Now let me be forthright. If you pump enough Nitrous Oxide into someone it's damn near a certainty that you will have an enjoyable experience.

So what is my point here? We all reach out to existing & prospective clients in hopes of earning their trust and developing a long term relationship. Are you placing your clients needs above all others?

Take a moment and look at what stereotypes exist for folks in your industries and ask yourself if you are part of the problem or part of the solution.

If you constantly strive to serve the needs of your clients on their terms you are part of the solution so please keep up the good work...

My name is Dean Akey & I sell insurance on your terms. If I can help you please drop me a note at deanakey@allstate.com or call me at 630-232-9811.

Friday the 13th News....

Dean Akey (Akey Financial Services) — Fri, 13 Mar 2009 12:25:18 -0500

[Bull Pen News] ***Breaking news***

March 13th.... Friday the 13th...

According to unreliable sources, Mexican President Felipe Calderon is considering a massive spending program to fortify the US-Mexico boarder fence which has been called the Great Wall of Mexico.

It appears that President Calderon and the citizens of Mexico are concerned with the masses of American Citizens who are hoping to enter into Mexico in hopes of finding employment and escaping the massive tax increases that are on the horizon...

Unnamed senior leaders in Washington have shared President Calderon's concerns and are supportive of efforts to keep US citizens in America.

"Paying More Taxes is the Patriotic Thing To Do" said Vice President Joe Biden.

One unreliable source is quoted as saying "How are we going to collect all of these taxes if our citizens are in Mexico"? "You don't actually expect the current administration to pony up do you"?

Wishing to remain anonymous and called by the name "P. Dizzle Dog"(PDD) our Bull Pen Reporter (BPR) asked the following.

BPR: Why are you trying to enter Mexico"

PDD: I am looking for a job and once I get one I want to keep some of the money I earn.

BPR: So you have been unsuccessful entering Mexico to date?

PDD: Yep, the citizens of Mexico don't appreciate us taking their jobs and draining their economy.

BPR: What kind of work do you do?

PDD: I sell insurance

BPR: This sounds kind of extreme. Do you really think our Government will tax you that heavily?

PDD: You are kidding right?

BPR: Are you going to try to enter Mexico again tonight?

PDD: Are you crazy? There is a new issue of Earl on the tube tonight. Geesh...

Well, I guess that sums it up for now. I hope you have enjoyed this breaking news and my Friday the 13th story..... For those of you who may not know yet... I made all of this up except the Biden quote... That guy scares me....

Have a great weekend and please remember, I sell insurance and would like to be your agent.