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Alliance Insurance Services

5440 Ward Rd. Ste. 215
Arvada,Colorado 80002

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Does Your Motorcycle Insurance Cover You Without A Helmet?

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 Alliance Insurance Services 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 Alliance Insurance Services to learn more about this situation and avoid serious financial difficulties.

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Company Overview

Alliance Insurance Services founded in 1992 has a long standing relationship with both customers and community. Since our start, Alliance Insurance Services has been headquartered at 5440 Ward Rd. in Arvada, Colorado. We also have locations throughout Metro Denver as well as Northern Colorado. Alliance Insurance Services is a proud long time supporter of the Children's Miracle Network, the Better Business Bureau, and the Professional Independent Insurance Agents of Colorado.

Mission Statement

Alliance Insurance Services is dedicated to a lasting relationship with our clients and community through superior service and value. We provide security with quality products and innovative technology. Our team has created an environment that instills trust with those we come in contact with.

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