Skip to content

Call Us 24/7 For A Free Legal Consultation

How Much Motorcycle Insurance Coverage Do I Need?

At Rector Stuzynski Law Firm, We Get You More!

Exceptional Results Require Outstanding Attorneys

facebook reviews 25
5 star rated on google 150 reviews
yelp reviews

$4 Million +

Motor Vehicle Accident

$1.5 Million

Rear-End Car Accident

$1 Million

Motorcycle Accident

michael stuzynski terry rector beau worthington of rector stuzynski law firm

Millions Of Dollars Recovered Every Year For Our Satisfied Clients

Awards & Associations

National Trial Lawyers Top 40 Under 40 Award Badge
Colorado Trial Lawyers Association Member Badge
best of the springs 2022 logo
fox 21 news best of the best 2024 winners rector stuzynski law firm
rector stuzynski law firm sponsor local charity chip in for children
Colorado Bar Association Member Badge
superlawyer badge michael stuzynski
Martindale Hubbel Distinguished Peer Rated For High Professional Achievement In 2018 Badge

Make Sure You Have Sufficient Insurance Coverage For Your Motorcycle

Motorcycle accidents typically result in big bills and a lot of worry. Since they’re smaller than many other forms of transportation, they don’t always cause as much damage as car and trucks do. Regardless, it’s important to be properly insured when riding a motorcycle. Insurance not only can help cover the costs of injury and damage to other parties, it can also help cover the costs of any damage or injury you as a rider might unfortunately experience. That’s why it’s important to know what’s required in the state you’re riding in, and why it’s important to contact a Springs motorcycle accident attorney if you do get into a collision.

Lawyers Telling Client They Won Their Wrongful Death Case

Colorado’s Insurance Requirements for Motorcycles

In Colorado you are required to carry proof of insurance on you while riding a motorcycle.  If you do not carry proof of insurance you could face steep penalties.  The penalty for a first offense is a minimum fine of $500, 4 points on your driving record and possible suspension of license. The penalty for a second offense is a minimum fine of $1,000 and a 4 month license suspension.  If a third offense occurs, there is a minimum fine of $1,000, an 8 month license suspension and a community service requirement.

As a motorcyclist in Colorado, you must carry the following amounts of liability insurance:

$25,000 – per person for bodily injury

$50,000 – per accident for bodily injury

$15,000 – per accident for property damage

Remember – getting quotes from different insurance carriers before making your decision on a policy could save you money.

Optional Coverages:

Collision, which helps you pay for repairs to your bike after an accident.

Comprehensive, which helps pay for repairs to your bike for damages by things such as theft, fire, vandalism or natural disasters.

Medical Payments, which helps pay for medical expenses after a motorcycle accident.  This coverage is highly recommended by Rector Stuzynski Law Firm.

Towing and labor, which provides coverage if your bike breaks down and can provide emergency road side assistance to help tow your bike to a mechanic.

Uninsured/Underinsured Motorist, which protects you if you get an accident with an uninsured or underinsured driver.  This coverage is also highly recommended by Rector Stuzynski Law Firm. Check out out motorcycle insurance facts guide to learn more.

You must carry proof of insurance with you while riding to avoid any fines or penalties.

Contact Our Colorado Springs Motorcycle Accident Attorneys

Motorcycle accidents can be devastating and have often have long term health consequences. Working with a Colorado motorcycle accident attorney can improve the odds that you’ll receive the compensation you deserve for your injuries, compensation that you can use to pay medical bills and other expenses. Contact Rector Stuzynski Law Firm today. We are attorneys who ride, and we’re passionate about serving the motorcycle accident community of Colorado Springs.

Written By:

michael stuzynski author box picture

Michael Stuzynski

This article was written by Michael Stuzynski of Rector Stuzynski Law Firm. Michael is a decorated personal injury attorney that has been helping Colorado Springs injury victims get compensation since 2019. With hundreds of injury settlements under his belt, he is an expert in all areas of personal injury law and litigation.

Colorado Locations We Provide Legal Help

Serving Colorado Springs And Nearby Cities

We provide legal services for personal injury and accident victims throughout the state of Colorado, but we focus on clients in these areas: Colorado Springs, Manitou Springs, Cimarron Hills, Northeast Colorado Springs, Southeast Colorado Springs, Stratmoor, Fort Carson, Air Force Academy, East Colorado Springs, Old Colorado City, Pleasant Valley, Broadmoor, Stratton Meadows, Fountain, Northwest Colorado Springs, Gleneagle, Northgate, Briargate, Monument, Woodmoor, Black Forest, Pueblo, Canon City, Larkspur, Security-Widefield, Peyton, Falcon, Calhan, Castle Rock, Teller County, El Paso County, Elbert County, Park County, Douglas County and nearby cities. 

We serve clients injured in the following zip codes: 80907, 80909, 80918, 80917, 80931, 80932, 80933, 80934, 80935, 80936, 80937, 80941, 80942, 80946, 80947, 80949, 80950, 80960, 80962, 80977 ,80995 ,80997 80901, 80912, 80904, 80915, 80905, 80910, 80923, 80922, 80919, 80920, 80916, 80939, 80914, 80951, 80924, 80927, 80938, 80906, 80840, 80829, 80902, 80809, 80841, 80911, 80908, 80929, 80819, 80921, 80925, 80132, 80926, 80913, 80863, 80817, 80831, 80133, 80930, 80860, 80814, 80813, 80118, 80106, 80928, 80866, 80816, 80808, 80104, 80116, 81008, 80864, 80135, 81240, 81007, 80109, 81290, 80107, 80108, 80425, 81215, 81221, 80117, 80827, 81212, 80134, 80835, 81003, 80131, 81226, 81001, 80138, 80125, 81002, 81009, 81010, 81011, 81012, 80124, 81244, 80126, 80820, 80130, 80163, 80433, 80129, 80833, 80112, 80832, 81025, 81005, 81223, 81006, 80470, 80127, 80122 and beyond.