How should I insure my motorcycle?
We always recommend that you insure your motorcycle with the exact same coverage that we recommend on your auto policy. 250/500 in liability, $100,000 in property damage, $5,000 in medical payment, 250/500 in uninsured motorist coverage and of course comprehensive and collision deductibles based on your needs. The state of Colorado says that your medical and uninsured motorist coverage technically extends from your underlying auto policy to your motorcycle policy and this is true. What most agents will neglect to tell you though, is this coverage does not extend to any passengers that could ride on your motorcycle which is a very scary thought. That is why we always recommend our clients carry these important coverages on their motorcycle policy.