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Colorado Insurance Blog

What Are The Benefits Of Motorcycle Insurance?

Motorcycles are a popular choice of transportation in Denver, CO. Just like most personal vehicles, the state requires all motorcycles to be insured. While basic liability insurance may help you meet the minimum legal insurance requirement, we at AFI Insurance want you to know the benefit of insuring your motorcycle above and beyond the minimum. 

Liability For Accidents You Cause

Everyone makes mistakes. Accidents can happen to even the most responsible people. In the case of a vehicular accident involving a motorcycle, the resulting cost of bodily injury and property damage can quickly escalate. If you only insure your motorcycle for the minimal limit, you could easily end up paying tens of thousands of dollars out of pocket for the injuries and damages to others in an accident where you’re at fault. 

Coverage For Accidents When You’re The Victim

Many motorists are underinsured or uninsured regardless of what they’re legally supposed to carry. An insurance policy that includes underinsured/uninsured coverage will help pay for your own injuries and damages when the at fault driver cannot. This coverage can extend to events of theft or vandalism to cover the cost of replacement or ensuing legal actions. 

Umbrella Coverage Options

Customers in Denver, CO can extend your policy to cover valuable assets that may not always be covered by the usual insurance options. Examples of umbrella policy options can include the repair or replacement of accessories such as saddlebags or a sidecar. Custom equipment and unique decorative features can also be covered in the event of an accident or vandalism. You may also consider insuring your safety gear such as helmets or riding chaps or jackets.

At AFI Insurance we are dedicated to helping our customers understand the importance of insuring their most valuable possessions. Contact us today to learn more benefits of motorcycle insurance!

Helmet Laws in Colorado

If you love feeling the wind blowing through your hair when you’re on your bike, good news: Colorado does not require you to wear a helmet if you are over the age of eighteen, and as long as you are driving with a full license and not a permit.

This being said, do yourself a favor and wear your helmet anyway. Riding without a helmet is one of those things where just because you can do it doesn’t mean you should. At the very least, it looks better to a provider like AFI Insurance when you’re a safe rider. Denver, CO might not require you to wear a helmet, but it’s incredibly dangerous to ride without protection.

Put it this way: How many bike riders do you know who have never been thrown off their bikes? Probably not very many. The danger with riding a bike is that you’re just as likely to get into minor fender benders and smash ups as anyone in a car, but when you crash on a bike, it’s not your bumper that takes the hit, it’s your body.

This is to say that the way to stay safe as a bike is to essentially treat an accident as an inevitability. You’ve seen how some of these people drive, and how little respect many of them have for bikes. No matter how fast your response time is on the bike, you can’t account for everyone else’s bad driving.

An insurance policy with AFI Insurance can help you to cover the damages should you get in an accident, but making sure that you’re protected with the proper gear is your job.



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