Motorcycle Insurance In Colorado
Before signing up for motorcycle insurance in Colorado, you first need to understand the various items covered under each policy. In addition to this, you also need to differentiate the state’s minimum coverage requirements and other options that you can rely on during an accident. Here is a Colorado State Insurance guide that highlights the various policies to be on the lookout for.
Liability insurance is the only coverage that is mandatory for motorcyclists in Colorado. It covers third-party expenses involving bodily injury and property damage incurred during an accident.
Underinsured/Uninsured Motorists Coverage
Where your motorcycle gets damaged by an uninsured motorist or one whose insurance cannot handle the burden of costs, this policy will allow you to get compensated. It also covers your current and future medical bills, saving you from additional expenses down the line. If you also experience significant injuries requiring some time off work, underinsured/uninsured motorist coverage will take care of your lost wages. Along with this, the non-economic loss is also covered, ensuring any pain and suffering claims are compensated.
Personal Injury Coverage
This third policy covers your medical costs where injuries occur. If you also have an injured passenger during your accident, personal injury coverage will cater to any treatment expenses or doctor visits.
Collision coverage is motorcycle insurance covering damage resulting from a vehicle impact or when you crash into stationary objects. Whether you need to repair or replace your motorcycle, collision insurance ensures you do not have to bear either expense.
While the name suggests complete coverage, comprehensive insurance only takes care of the damage that is out of your control. Damage covered by this policy falls under the non-collision bracket and includes hailstorms, vandalism, and theft.
To get Colorado State Insurance that prioritizes your wellbeing and that of your passengers, book a consultation with us. Our insurance agents will answer your queries and guide you on the right insurance for your needs.