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Choosing the Right Colorado Motorcycle Insurance

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Thunder Roads Magazine Colorado

Publication: Thunder Roads Colorado
Published: May, 2010

Accident Attorney Dan RosenChoosing the right motorcycle insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although Colorado requires only $25,000/$50,000 in liability coverage, other types of coverage are usually optional.


Liability insurance is mandatory because it covers bodily injury and property damage to other people. It does not, however, cover you or your bike. When you purchase this type of insurance always ask if it also includes guest passenger liability. This protects anyone who may be riding with you as a passenger on your motorcycle. Even if this added protection is not included in the standard liability insurance that you are required to have, it is a good investment to go ahead and get it anyway.


Most people will also buy what is called collision insurance. This covers damages to your bike if you are in a motorcycle accident. When you have this type of insurance, your insurance carrier will pay for damages to your motorcycle, minus your deductible, as long as the damages were caused by a collision with another vehicle or object. Generally speaking, collision insurance covers the current book or market value of the motorcycle before the accident occurred.


Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book or market value of the motorcycle.

Keep in mind that most comprehensive and collision coverages will cover only the factory standard parts on your motorcycle. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers or sidecars, you should look into obtaining additional or optional equipment coverage.


Medical payments coverage pays for your medical expenses incurred as a result of injuries suffered in an accident. This is extremely important, especially if you do not have health insurance.


Uninsured/underinsured Motorist Coverage covers damages to you and your property caused by another driver who either doesn’t have insurance (uninsured) or doesn’t have adequate insurance (underinsured) to cover your damages.


Choose the agent or company that’s right for you. If you already have auto insurance, you can contact the same insurer. Otherwise, ask friends, relatives and co-workers where they bought their auto or motorcycle insurance. Your local motorcycle shop may have a company they refer customers to. Or you can check local motorcycle magazines and newspapers for insurance professionals advertising motorcycle insurance.

Feel free to contact me via the form on the right or at 303.435.8000, and I’d be happy to answer any questions or point you in the right direction.


One Response to “Choosing the Right Colorado Motorcycle Insurance”

  • […] Collision coverage is typically limited to the cash value of the motorcycle, and one way to pay lower insurance premiums is to limit or drop collision coverage on an older motorcycle. But if you are financing your motorcycle through a bank, you will be required to carry collision and comprehensive coverage. Another thing to consider if you decide to drop collision coverage is your ability to pay out-of-pocket costs for repairs and replacement of your bike, should you be involved in an accident. […]


My daughter and I first consulted with Dan Rosen after a very serious auto accident. Dan had several phone conferences with me, and Tracie was available whenever I called. We would recommend personal injury attorney Dan Rosen to anyone!
Sally from Denver, Colorado

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