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Guide To Motorcycle Insurance Coverage

A Guide to Colorado Motorcycle Insurance

Helping Bikers Stay Safe on the Road Since 2012

At Curtis | Walton Law, our Littleton motorcycle accident attorneys have represented people across Colorado in personal injury cases since 2012. As bikers ourselves, we understand how important it is to have to right insurance protection for the road. Here, we break down the basics of Colorado motorcycle accident insurance to assist you with the decision-making process.

If you have questions about motorcycle insurance in Colorado, or require assistance from one of our Littleton motorcycle accident attorneys following a crash, give us a call at (720) 815-4402 or contact us online to schedule your free consultation.

What Type of Insurance Do I Need?

Unfortunately, you can’t take to Colorado’s beautiful roads until you have secured the proper insurance. Colorado's minimum insurance required for your motorcycle is called "Compulsory Liability Insurance."

That breaks down to every rider needing:

  • Bodily injury liability insurance of at least $25,000 per person
  • Total bodily injury coverage of $50,000 minimum per accident
  • Property damage liability insurance of $15,000 or more

Other coverage is available but is optional. Rates will vary from person to person, depending on several factors including your age, claims history, credit score, riding experience, and the type of motorcycle you own.

If you’re unsure of what type of insurance is right for you, consult one of our motorcycle insurance attorneys for help.

Why You Need UM/UIM Coverage

Every rider should carry UIM coverage in addition to their Compulsory Liability Insurance. UM/UIM Coverage represents “uninsured, or under-insured, motorist” coverage. This insurance offers additional protection to riders.

Uninsured Motorist Coverage protects you if you are injured and the at-fault driver does not have any insurance to pay for your resulting injuries.

Under-insured Motorist Coverage protects you if you are injured and the at-fault driver does not have enough insurance to pay for your resulting injuries.

Furthermore, UIM is crucial for coverage in instances such as tragic hit and run scenarios.

Why You Need Medpay Coverage

Medpay insurance is personal insurance that specifically covers the cost of the medical care sought as a result of an accident. The relatively small premium charged is well worth the security of having your medical bills paid up to the amount of coverage you choose.

If you need help understanding Colorado motorcycle accident insurance, give us a call at (720) 815-4402 or send us a message online. We are happy to answer your questions anytime and are also available to represent you following a motorcycle accident.

Our Testimonals

Real Stories From Real People
  • “My current lawyer is Danielle Curtis. She is a wonderful person who cares about you as a person. She has constantly called and checked in and given me updates on my case She cares about you as a person. She is a hard working individual that I highly recomm”

    - Greg H.
  • “I cannot say enough good about my experience with Curtis/Walton Law. No one ever needs a lawyer when things are good, so when we are not at our best, this law firm is. I highly recommend Danielle Curtis.”

    - Sonja N.
  • “Danielle you rule, you never give up!”

    - Greg H.

Recent Verdicts & Settlements

We Deliver Results for Our Clients
  • Motorcycle Accident $425,000

    A car pulled out in front of our client, causing him to T-bone the car, resulting in serious injuries.

  • Motorcycle Accident $400,000

    While riding his motorcycle, and a car made a left turn in front of our client, clipping the motorcycle and causing him to go airborne. This resulted in multiple severe injuries to our client.

  • Dog Bite $375,000

    Our client was bitten by one of the employee's dogs of a business open house.

  • Uninsured Accident $375,000
  • Mold & Asbestos Case $330,000

    Our client's home flooded, causing property damage and illness due to mold.

  • Motorcycle Accident $325,000

    Our client was riding his motorcycle to work and crashed due to a negligent driver, causing a brain injury.

  • Car Accident $300,000

    Our client was stopped in traffic and was rear-ended, pushing him into traffic where he was T-boned.

  • Car Accident $183,000

    Two couples were injured in a car accident.

  • Slip and Fall Accident $180,000

    Our client sustained a knee injury from slip and fall on ice in January in the mountains, in Estes Park CO.

  • Motorcycle Accident $165,000

    Our had client had two motorcycle accidents during the same year. Our firm represented her for both. In the first, a person ran a red light and she laid her bike down - $115k and in the second one, she was rear-ended on motorcycle at a stop light by an uninsured driver. We recovered $50k, her UM policy limits.


Why Choose our firm?

  • Reliable Communication

    We pride ourselves on our consistent communication and are committed to keeping clients updated on the status of their cases.

  • Willing to Travel to You

    When an injury makes travel difficult, our attorneys are willing to meet you at home or in the hospital, so you can focus on your recovery.

  • Responsive to Your Needs

    Our attorneys are available by phone, email, or text after hours and on weekends to ensure that you get the legal care you deserve.

  • Access to Experts

    We have fostered relationships with respected doctors and specialists to ensure you get high-quality care with no upfront costs.

  • Individualized Legal Care

    We believe that our clients deserve tailored solutions and are focused on treating each client like our only one.

  • Committed to Our Community

    We are avid members of Colorado's biker community and are proud to fight for them when they need us most.


There Are No Fees Unless We Win
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