Owning a motorcycle is an exciting experience. The ultimate freedom of riding on an open-door adventure is unbelievable. But have you ever thought about the risks motorcycles pose? Even with safety gear in place, they might not help much in the case of an unthinkable event. Motorcycle insurance isn’t an option if you want to enjoy your bike.
To help you choose the right insurance, Alliance Insurance Services has prepared for the four critical areas of motorcycle insurance policies.
Colorado requires that you carry liability coverage while on the road. Liability coverage pays for bodily injury and property damage to others when you are at fault for an accident.
Medical payments coverage
You never know when an accident can happen; the aftermath may require medical attention, including hospitalization, tests, or surgery. Medical payments pay medical expenses for you and your passengers following an accident.
Uninsured and underinsured coverage
Even if the law requires motorists to carry motorcycle insurance, people still disobey and ride without one. You are meant to foot your bill if you encounter such people on the road and cause an accident. So are those with inadequate coverage. That’s why you need uninsured or underinsured motorist coverage.
Comprehensive and collision coverage
Collision insurance covers damage incurred when your bike collides with a stationary object or another motor vehicle. Comprehensive coverage covers damage caused by non-collision perils like vandalism, fire, theft, natural disasters, or falling objects.
Motorcycle insurance in Arvada, CO
Because motorcycles don’t come cheap, it’s only wise that you get them insured. An accident’s aftermath can be devastating and even worse if you don’t have insurance coverage in place. Ready to purchase your motorcycle insurance in Arvada, CO, and its environs? Call us at Alliance Insurance Services for an affordable quote.