Colorado Motorcycle Insurance Laws and How it Prepares You for Safety

In the state of Colorado, all motorcycles must maintain compliance as it relates to the insurance laws. Other than the necessary protective gear, eye protection, foot rest and other safety instruments, financial responsibility is an essential aspect of preparing for safety on the roadways. Accidents are possible, whether you are driving a motor vehicle or a motorcycle. For that reason, having motorcycle insurance will make sure that you can pay for injuries or damages suffered by yourself and others.

The Restrictions

As a motorcyclist, if you don’t have insurance, you will be restricted to:

  • Filing a complaint for insurance, in the event that there is a collision
  • Liability coverage to protect you and anyone involved in the collision

The Liability

According to the insurance laws in the state of Colorado, you are mandated to carry liability insurance. There are specific state limits, which you have to discover from an insurance carrier. However, for your safety, it is recommended that you get coverage for bodily injury and property damage. It is important to seek several quotes for motorcycle insurance before making a decision which insurance carrier to go with. This could save you thousands of dollars. You also have optional coverage.

Optional Insurance Coverage

The law does not force you to accept optional insurance coverage, but it will only serve to prepare you for safety. So, it is advised that you check with an insurance carrier in your state to discuss if the minimum requirements are enough to ensure that you are adequately and safely covered. Some of the optional insurance coverage includes:

  • Repairs during a collision
  • Medical payments if there is an injury
  • Comprehensive coverage to handle natural disasters, fire, theft or vandalism
  • Labor and towing
  • Uninsured motorcyclist during a collision
  • Underinsured motorcyclist during a collision

Don’t be caught off-guard without motorcycle insurance coverage you need. Rather, it is easy to receive an online comparison quote with AFI Insurance. This will allow you to make an informed decision to remain safe on the Denver, Colorado roadways, subsequently protecting yourself. To find out more about how you can do this, contact AFI Insurance today.

Is RV Insurance Required?

When you decide to purchase an RV in Colorado, there are several things you need to know. It isn’t just the cost of the recreational vehicle that you have to deal with along with the maintenance. You also need to have insurance because it is required by the state.

Why is Insurance a Must?

One of the main reasons why RV insurance is required is because it is a vehicle that will be out on the roads. Just as you are required to have auto insurance, the same is true about your RV. This means that you need to adhere to state minimums for vehicles.

Level of Coverage

In terms of coverage, there are various forms that are not required. However, you want to consider the various scenarios that can take place when you are an RV owner. This will make it easier to take care of your investment without having to drain your bank account in the process. After all, if something happens, it’s better to file a claim with the insurance company than to have to pay for it on your own.

Coverage options include:

–           Collision
–           Comprehensive
–           Theft
–           Roadside assistance

Many of the same coverage options exist for RVs as they do automobiles. The main difference is that an RV is generally going to be more expensive. You don’t want to get into a situation where the insurance company is going to deny your claim or not cover enough financially, requiring you to pay out-of-pocket.

Independent insurance agents can help you every step of the way to ensure that you have the best policy in place.

Call AFI Insurance today to find out more about RV insurance in Denver. Our independent insurance agents are happy to answer questions and get you quotes.