Colorado Motorcycle Insurance Coverage

Motorcycle Insurance

Motorcycle Insurance

Are you looking to get a favorable policy for your motorcycle?

The first thing you need to do is to know what laws to comply with when securing a favorable policy. Let's take a glance at the fundamental requirements for motorcycle insurance in Colorado.

Basically, you need to have valid financial responsibility for any motorcycle running on the road; otherwise, you will face serious consequences if you get caught riding. You may face fines amounting to over $1000 and suspension or your driver's license.

You may establish financial responsibility either by contracting an insurance company and securing an insurance policy or by going for self-insurance. However, self-insurance only comes in as an option when you have more than 25 cars registered under your name.

Liable will be required to ride your bike on state roads. This type of insurance will guarantee that you can cover another motorist or person should their property become damaged or an injury occurs due to an incident that you are responsible for causing. There are many types of insurance policies available, and it is important to discuss your options with an insurance agent to get the full coverage you need on your bike.

Which vehicles are recognized as motorcycles in Colorado?

  • Motorcycle – a vehicle designed with 3 or fewer wheels in contact with the ground, excluding farm tractors.
  • Motor-driven cycle – Motorcycles and motorized scooters that can exceed three brake horsepower.
  • Motorized bicycle – 2 or 3 wheelers with automatic transmission engines of more than 50 cc and can exceed the speed of 30 mph.
  • Motor scooter – A motorized vehicle with not more than three wheels in contact with the ground and a six-brake horsepower engine or less.

At Holtman Insurance based in Colorado, you can always get a policy that suits your specific needs depending on your preferences.

Other key requirements to note include:

For riders and passengers under 18 years of age, wearing a helmet is mandatory. For persons above 18, having a helmet on or not is optional. To be on the safe side of the law, always carry proof of insurance every time you ride.

Do you want to get the most favorable insurance policy and tons of valuable insurance advice? At Holtman Insurance in Colorado, our team consists of experts who offer insurance counsel and guidance to ensure you underwrite a policy that covers all your needs and enables you to comply with all the legal requirements. Contact our office to speak with an agent and get a quote.

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