You probably know people who ride dirt bikes and four-wheelers without insurance, so you’re wondering: Do all motorcycles in Arvada, CO need to be insured, or are there exceptions?
The fact is that it’s not really about the motorcycle, it’s about how you’re using it.
Public Roads vs. Private Property
Pretty much any automotive vehicle that you’re taking out on public roads has to be insured by law.
Any vehicle that you will only be operating on private property, that’s typically going to be at your discretion.
Of course, it’s a good idea to get your motorcycle insured even if you’re only going to be riding it on your friend’s ranch. Just because you’re not on the highway doesn’t mean nothing can go wrong. But legally speaking, insurance laws are there to keep our public roads safe, and you can usually do what you like on private property as long as you have permission to be there.
The only exception you could find to this rule might be if you wanted to call an electric bicycle a motorcycle. It’s not a motorcycle, at least as far as your insurer is concerned. But if you want to call it a motorcycle, there’s nobody stopping you.
Of course, you probably weren’t planning on taking your eBike out on the highway, so it’s a moot point anyway.
So what it comes down to is where you’re riding. If you’re just cruising around on privately owned dirt tracks in and around Arvada, CO, it’s up to you. But as soon as you ride onto a public road, you’re going to have to call Alliance Insurance Services.
The goods news is motorcycle insurance is usually pretty affordable, so get in touch with Alliance Insurance Services and see what they can do for you.