How Much Motorcycle Insurance Coverage Do I Need?

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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.

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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 LLC.

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 LLC. 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 LLC today. We are attorneys who ride, and we’re passionate about serving the motorcycle accident community of Colorado Springs.

Areas We Serve

We serve clients charged with crimes or injured anywhere throughout the state of Colorado, but we focus on residents of these areas: Colorado Springs, Manitou Springs, Fountain, Briargate, Monument, Black Forest, Pueblo, Canon City, Larkspur, Security-Widefield, Peyton, Castle Rock, Teller County, El Paso County, Elbert County, Park County, Douglas County and beyond.