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Motorcycle Insurance

Carrying motorcycle insurance protects you from financial loss in the event of an accident. Many insurance companies offer this product. Motorcycle insurance works just like any other type of insurance in that you pay the premium and get protection in return. The requirements for motorcycle insurance vary from state to state though.

Motorcycle Insurance in Colorado

All registered vehicles in Colorado, including motorcycles, are required to comply with the state’s financial responsibility laws. This ensures that, in the event of an accident, you will be able to cater for damages or bodily injuries suffered by others. The state’s motorcycle insurance requirements include:

Establishing financial responsibility- You have to establish financial responsibility if you want to ride your motorcycle in the streets. You can do that either by buying motorcycle insurance that includes liability insurance or file for self-service insurance. The latter only applies if you have multiple vehicles registered under your name.

Specific requirements- The specific requirements for motorcycle insurance in the state are anchored on liability insurance. Motorcycle riders must have some minimum coverage for bodily injuries and property damaged.

Two-Wheeled Vehicles

All vehicles not exceeding three wheels are classified as a motorcycle in this state – only farm tractors are excluded. Besides liability coverage, there are additional coverage options to consider, all of which are offered by McDonald Insurance Group of Colorado in Colorado. These include:

Uninsured/Underinsured motorist protection.

  • Towing and labor coverage
  • Medical payments
  • Comprehensive and collision coverage

Riders should strongly consider buying some of the above coverage options as liability insurance is often insufficient; many people end up underinsured when they're involved in an accident involving an expensive vehicle. If you are looking for motorcycle insurance, call McDonald Insurance Group of Colorado and let us help you get the coverage you need.