There is nothing like cruising the roads on a motorcycle. Riding a bike gives you a unique perspective that you can’t get in the car. It’s the perfect perspective to take in the majestic scenery, look out for wildlife, and navigate winding mountains.
But, if you plan to have a bike, you’ll first need to understand the insurance laws. This will ensure you — and other riders on the road — are taken care of should anything happen.
These insurance laws are especially important as the likelihood of motorcycle fatalities has gone up in recent years. While laws vary state to state, it’s important to know the laws and follow them so you and the others on the road are as safe as possible.
Here are some motorcycle laws you need to be aware of:
- Proof of coverage: Before you can purchase a motorcycle, you’ll first have to show proof of insurance.
- Standard coverage requirements: If you’re riding a motorcycle, you’ll need to have the same amount of insurance as you do with automobile insurance in certain states. That means you will need $25,000 for bodily injury or death to any one person in an accident or $50,000 for bodily injury or death to all persons in any one accident.
- Covering property damage: Your motorcycle insurance will also need to cover up to $15,000 in property damage.
- Riding another’s bike: If you are riding someone else’s bike, your insurance does not cover you. If you want to be covered in the instance of an accident, the owner of the bike will need to have sufficient insurance.
- Additional insurance options: In addition to standard and property damage coverage requirements, there are additional options that you may want to consider if you’re a biker. These options include:
- Uninsured or underinsured motorcycle coverage: This option is important in case you are ever in an accident with an uninsured or underinsured driver.
- Custom equipment: This will cover your aftermarket parts and equipment purchases that were not part of the original bike by the manufacturer
- Classic coverage: If you’re riding a vintage bike, this coverage may cover you better than standard motorcycle insurance.
- Comprehensive coverage: This motorcycle coverage can help pay for damage to your vehicle from vandalism, theft, weather events, and falling objects.
If you’ve ever been in a motorcycle accident, however, sometimes you know that following the insurance laws to the letter isn’t enough to help or compensate. If you need help navigating the complexities of an accident, you’ll need a good Denver motorcycle accident lawyer.