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Colorado state law requires the owners of all registered vehicles, including motorcycles, to comply with the financial responsibility law. This law ensures that if an insured individual causes an accident, they have the means to pay for any damages or injuries that occur. Maintaining motorcycle insurance is one-way people to do this.
Colorado Motorcycle Insurance Requirements
Every motorcyclist must carry the following coverage types:
- bodily injury
- property damage
Call your Colling Insurance Services agent today to find out more about basic coverage in Lakewood, CO.
Optional Coverages
When shopping for motorcycle insurance coverage, you may wonder about events that aren’t included. For example, basic liability coverage covers bodily injury and damages for other people, but may not cover you or your bike. What would you do if an uninsured motorist hit you? Would you be able to afford repairs caused by a fire or act of nature?
You should know what optional motorcycle insurance is available.
- Collision insurance pays for motorcycle repairs following an accident.
- Comprehensive coverage covers motorcycle damages as a result of theft, fire, vandalism or natural disasters.
- Medical coverage helps to pay for injuries caused by an accident.
- Towing and labor coverage provides emergency road side assistance and towing.
- Uninsured/Underinsured motorist insurance covers you when the person who caused the accident doesn’t have insurance.
At a minimum, you should make sure that your insurance covers you in case of an injury. Due to the vulnerable nature of motorcycle riding, you are much more likely to be critically hurt. Consider medical and uninsured motorist insurance to make sure you can pay for the care you need.
In you use your bike as your main source of transportation, an accident can impact your livelihood. In this case, or if you have a very valuable bike, you should consider comprehensive and collision coverage. Consult your Colling Insurance Agency, Inc. represents to determine the coverage best suited to your needs.
Contact Colling Insurance Services
Call us today at 303-987-3331 for more information on how optional insurance in Lakewood, CO can help you protect yourself and your family against potential losses. You can also visit us online at Collinginsurance.com.