As many motorcycle owners already know, things are a little different when you’re on a bike instead of in a car. While you have more freedom and maneuverability, you are also exposed to more risk simply because auto drivers often are not as careful or respectful around motorcyclists sharing the road with them as they should be. Located in the Longmont, CO region, the insurance experts at 1st American Insurance Agency are here to help make sure that you are taking on as little risk as possible. Here’s what you need to know about motorcycle insurance laws in Colorado.
State Motorcycle Insurance Laws
The state of Colorado does not actually require motorcyclists to have vehicle-specific insurance or even general liability insurance. That said, the state does require you to have proof of financial responsibility. In a nutshell, this just means that you will be able to pay for the costs of an accident should you be deemed at fault. There are two ways to do this in Colorado— by having a motorcycle insurance policy that contains liability coverage, or by filing for self-service Insurance (only available to those with multiple vehicles registered under their name).
What If I’m Not At Fault?
Unfortunately, even if an accident is deemed to be someone else’s fault, that doesn’t necessarily mean that you are completely free from financial burden. If the other person takes off (hit and run) or does not have sufficient insurance, it’s sadly often the victim who winds up having to foot the bill. Let’s face it— this is Colorado, and our state is visited frequently by drivers from other states. Insurance laws vary around the country, but that is all the more reason to make sure that you and your motorcycle are adequately covered.
Serving customers in Longmont, CO and beyond, we’re here to help you get the motorcycle insurance you need. At 1st American Insurance Agency, we follow all local and state laws to make sure that your policy is compliant while still fitting your personal needs and budget. When you’re ready to take the next step, give us a call or send us a message. We look forward to meeting you!