If you operate a motorcycle in Denver or throughout Colorado, then you must have insurance. Each state is responsible for setting the types and amount of insurance that motorcyclists are required to carry. However, in Colorado, motorcyclists are not required to carry uninsured or underinsured motorist coverage. Here, we want to discuss why every motorcyclist should consider purchasing underinsured and underinsured motorist coverage in Colorado.
Just like traditional passenger vehicles, any motorcycle owner or operator in Colorado must also have insurance on the vehicle. In this state, the law requires motorcyclists to carry the following types and minimum amounts of insurance:
Any other type of motorcycle insurance that could be purchased from various insurance carriers is considered optional. However, when you look at those minimums and when you consider the total losses that occur as a result of some motorcycle accidents that occur, it quickly becomes apparent that the minimums required by law are not always adequate.
Uninsured and underinsured motorist coverage is incredibly important, regardless of whether or not you own a motorcycle. We strongly encourage any vehicle driver in Colorado to carry these types of coverages.
Uninsured and underinsured motorist coverage is not terribly expensive, and we strongly encourage all vehicle drivers and motorcyclists to carry these types of coverages so that they have protection in the event an accident occurs on the roadways of Denver.
If you or somebody you love has been injured in a motorcycle accident caused by the careless or negligent actions of another driver in Denver, you need to reach out to an attorney as soon as possible. A skilled motorcycle accident lawyer will be able to conduct a complete investigation into your claim, determine liability, and vigorously negotiate on your behalf for full compensation.
These cases can become incredibly challenging, particularly when working with insurance carriers. If you do not currently have uninsured or underinsured motorist coverage, you have to rely on the insurance carrier of the at fault driver. If you do have uninsured or underinsured motorist coverage and turn to your personal carrier, please understand that your own insurance carrier may still put up a fight from having to pay out compensation for a claim. Let an attorney get involved and handle the insurance carriers for you.