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Colorado Insurance Blog

Three important things you need your motorcycle insurance to cover

If you’re a biker on the market for the right motorcycle insurance policy, you need to be aware of what your insurance policy covers and what it doesn’t.

There are some potential costs that may come up while you’re riding if you experience accident damages. The following are three things that your insurance may cover or may be designed to cover depending on your policy details:

Your liabilities out on the road

The number one thing your insurance policy must cover that’s required by low is your liabilities. Your insurance must cover any damages you cause while biking. This should include both property damage as well as physical injury.

Any basic motorcycle insurance policy will provide liability coverage. However, the amount of coverage that’s required by law can vary by state.

Injuries to guest passengers

Motorcycle policies will generally offer coverage for injuries caused to a guest passenger. In the state of Utah, coverage for guest passengers on a motorcycle is required to be a part of the rider’s motorcycle insurance coverage.

Damage to your bike

If you choose collision coverage as part of your motorcycle insurance policy, your insurance policy will offer coverage for any damage your bike experiences when you become involved in an accident.

Collision coverage ensures that you will always be compensated should your bike become damaged out on the roads. However, collision coverage is generally not required by law. You can decide whether you want to add collision coverage to your policy. Adding collision coverage is likely to increase your monthly premium.

If you’d like to learn more about motorcycle insurance policies that are available to those residing in the Denver, CO area, you can contact AFI Insurance with your questions and concerns.



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