Quick Guide to Motorcycle Insurance

Going for an afternoon ride on your motorcycle with the sun shining down on you and the wind blowing through your hair can be fun and relaxing. Unfortunately, too many motorcycles ride to end in pain or tragedy. If you own a motorcycle, it is important to make sure you are covered. Before you take your next ride through Longmont, CO, take a look at this guide to ensure you have the coverage you need.

Requirements

Colorado requires a minimum of the same amount of liability coverage on your motorcycle as it does on your automobile:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $15,000 per accident for property damage

Additional Coverage Options

With the danger, motorcyclists face, liability might not be enough to protect you. The following are additional coverage options to consider. If you have questions about any of them, give 1st American Insurance Agency a call.

Collision

Covers damage done to your motorcycle due to a collision with another vehicle.

Comprehensive

Covers damage done to the motorcycle by something besides a collision and theft.

Personal Injury Protection

Covers medical bills due to injuries that you, pedestrians, or your passenger no matter who is at fault.

Uninsured/underinsured

Covers injuries caused by a driver who has no insurance or not enough insurance. 

Lay-Up Coverage

Lay-up periods refer to the times when a motorcycle is put away, for instance in the winter. During that time, most motorcycle owners prefer to have only lay-up coverage. It covers any theft or things that happen during storage.

If you are looking for new motorcycle insurance coverage or would like to improve the coverage you currently have, give 1st American Insurance Agency of Longmont, CO a call or stop by today!