Colorado's expansive views and wide-open spaces make it one of the best states in the country for motorcycle riders. Unfortunately, this does not mean that accidents are any less common for these cyclists. Accidents can occur because of poor road conditions, negligent drivers, and even bike malfunction. While many accidents are unavoidable, you can do your part to ensure that you're prepared when the unexpected does happen.
All motorcyclists are required to carry insurance according to Colorado law. Due to the small size of a motorcycle, accidents are generally much more serious and even deadly, making insurance an absolute necessity. But how can you be sure that your policy is high enough?
Choosing the Right Motorcycle Insurance Coverage
Colorado requires motorcyclists to 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
These amounts seem high, but not when you take into account that liability insurance only covers the other party's damages and injuries, not your own. If you get into an accident and don't have adequate coverage for yourself and your bike, you may find yourself paying a great deal out of pocket.
Additional coverages you may personally benefit from include:
- Collision: can pay for repairs to your motorcycle after an accident
- Medical payments: helps cover your injuries and medical bills after an accident
- Comprehensive: if your motorcycle is damaged due to theft or natural disasters, this coverage can help foot the bills
- Uninsured/underinsured motorist: despite Colorado's laws, drivers take to the road every day without insurance, putting you at risk. This coverage can protect you if you get in an accident with such a driver.
It is always best to check your insurance policy before hopping on your bike. Colorado also requires drivers to carry a certificate of self-insurance or an insurance ID card from your carrier at all times, and you can face penalties if you don't.
Whether you're a motorcycle newbie or a biker veteran, you can't afford to go without high insurance coverage. If you do get in an accident, don't hesitate to contact Colorado Springs motorcycle accident attorney Ted Bills. Attorney Bills has a decade of experience and is personally committed to achieving the very best for his clients.