Introducing Evertree Mountain States
Motorcycle riders in Arvada, CO know that they are required, by law, to wear a helmet when they ride. Colorado is one of the states that makes this mandatory, but what if you ride without one? Will a policy from Evertree Mountain States still cover your accident?
Any accident you suffer while on a motorcycle covered by insurance is likely to be covered by your policy. This fact is true even if you aren’t wearing a helmet. However, the lack of a helmet could complicate your coverage a little and make some instances of coverage more difficult.
For example, continually wearing your helmet and following the law will likely decrease your claim if you do get in an accident. That’s because the helmet will protect you from the kind of serious head injury that can often be so debilitating in motorcycle accidents.
For example, one study has shown that hospitalization costs go up by more than one-third after an accident if you fail to wear a helmet. Your policy will struggle to pay for these extra costs and may not cover everything, leaving you with a large bill to pay.
Just as importantly, getting in a crash without a helmet may cause you to get fined for not obeying the helmet laws. When this fine is reported to your insurance company, they are likely to increase your rates. That’s because you are now a high-risk driver who has shown poor driving choices when on their bike.
In some instances, your Arvada, CO motorcycle insurance policy may not insure you if you are doing anything illegal. For example, some may consider riding without a helmet an illegal act which may invalidate your policy.
However, liability insurance will pay for damage to others caused by your motorcycle accident, no matter what the cause. So contact us at Evertree Mountain States to learn more about this situation and avoid serious financial difficulties.