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.
