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Colorado is an excellent state for motorcycle riders. The Rocky Mountains provide some of the most beautiful scenery in the country, and the roads are generally well-maintained. However, before you hit the open road on your motorcycle, it’s essential to make sure you have the proper insurance in place. Here’s what you need to know about motorcycle insurance from Premier Group Insurance.
What Does Motorcycle Insurance Cover?
We can break the average motorcycle insurance policy into a liability, collision, and comprehensive coverage.
Liability insurance can help protect you financially if you cause an accident that results in either property damage or injury to another individual. Collision coverage could cover any damages sustained by your motorcycle in a collision, regardless of who was at fault. Comprehensive coverage can cover all other scenarios leading to damage or loss, such as theft, vandalism, or weather-related incidents.
Do I Need Motorcycle Insurance in Colorado?
The short answer is yes – if you plan to ride your motorcycle on public roads in Colorado, you must have at least the minimum liability insurance required by state law. If you’re financing your bike, your lender will require you to carry collision and comprehensive coverage.
Even if you’re not required to carry insurance, though, it’s still a good idea to do so. Accidents happen, and it’s always better to be safe than sorry. You could face a lawsuit if you’re found at fault for an accident that causes injuries or property damage. A good motorcycle insurance policy can help protect your assets if you’re sued.
If you have any questions about motorcycle insurance or would like a quote for coverage, please contact Premier Group Insurance today. We’ll be happy to help!
