Colorado Motorcycle Insurance Laws


Mintz Law Firm

Motorcycle Insurance Laws in Colorado

Motorcycle accidents are scary because of the potential for serious injury. With so much to consider, the last thing you want to think about is whether your insurance company will do the right thing. Colorado motorcycle insurance laws are somewhat complex but make it clear what coverages you should have in place. This is helpful information to have on hand in the event of a collision. Mintz Law Firm has a deep bench of legal experts in this area of law, contributing to a successful streak of optimal case outcomes. 

Motorcycle accident attorneys in Colorado

We are dedicated to helping our motorcycle clients get what they deserve from their insurance companies. Collisions can be challenging enough without adding insurance issues to the mix. Understanding the nuances of Colorado motorcycle insurance laws is the first step in that process and is something with which Mintz may be able to assist.

Colorado Motorcycle Insurance Laws

Colorado has insurance minimums that govern what you should carry if you own or ride a motorcycle. There are also optional coverage options for those who prefer to have more excellent protection. 

Liability Coverage for Bodily Injury/Property Damage (Mandatory)

Colorado motorcycle owners must have liability insurance on their bikes before hitting the open road. The minimum coverage necessary in Colorado for bodily injury is $25,000 per person, with a minimum per incident of $50,000. The minimum insurance coverage requirement for property damage is $15,000 for each incident. 

Collision Coverage (Optional)

Collision coverage addresses damage to your motorcycle in the event of an accident, no matter who is at fault. Liability coverage doesn’t typically cover damage to your motorcycle after a crash. 

Comprehensive Coverage (Optional)

This coverage type governs those incidents that may occur with the motorcycle unrelated to a collision, such as fire, natural disaster or theft. 

Personal Injury Coverage (Optional)

Personal injury coverage covers medical expenses associated with any injuries you or a passenger may have suffered in an accident. 

Why You Need a Trustworthy Motorcycle Accident Attorney to Assist with Insurance Issues

Insurance companies are notorious for doing whatever is necessary to avoid paying out accident claims. A reputable Colorado motorcycle accident attorney will work to hold them accountable for paying out your claims after a collision. Insurance and accident laws can be complex, but Mintz Law Firm has an extensive background in helping motorcyclists get what they deserve after filing a claim. We are well-versed in some of the common tricks insurance companies try to pull and use this knowledge to fight for justice on your behalf. 

Moreover, we will advocate for you after a motorcycle accident to ensure that you take the appropriate steps to resolve your claim to your complete satisfaction. We fight for compensation because the aftermath of a motorcycle accident can be expensive. We want to ensure that you don’t have to bear the brunt of this financial impact on your own. 

Penalties for Lack of Motorcycle Insurance in Colorado

In Colorado, motorists may incur penalties for failing to maintain insurance coverage on a motorcycle. These penalties apply when you don’t have insurance or have insurance but cannot show adequate coverage.

  • First offense: A minimum $500 fine, four points on your driving record and a possible suspension of your driver’s license
  • Second offense: A minimum $1,000 fine and four-month driver’s license suspension
  • Third offense: A minimum $1,000 fine, community service and an eight-month driver’s license suspension

The purpose of having penalties like this in place is to deter motorcycles from opting not to maintain coverage, which is vital in a collision.

Work with a Reliable Colorado Motorcycle Accident Lawyer

Dealing with motorcycle insurance companies after an accident can be difficult, especially if you struggle with injuries and other adverse effects on your life. A reliable Colorado motorcycle accident attorney can significantly affect your claim outcome. Mintz Law Firm has represented motorcycle clients that have relied on our in-depth knowledge of Colorado motorcycle insurance law to ensure the best possible outcome for their cases. After a thorough case review, we will let you know if we can do the same for you. 

Don’t delay. Reach out to us today for a complimentary consultation. Call (303) 462-2999 or contact us online to learn more. 


contact us

schedule your free consultation

free injury claim review

Begin your case right away by scheduling a free, zero-obligation consutation today.

Find Out if We Can Help

Contact Us