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Denvers Insurance, LLC 2011 all rights reserved. Privacy Notice: All information collected by Denvers Insurance LLC and its associates is used for the sole purpose in providing a(n) insurance quote(s). Information is only shared to trusted and licensed sources. This may include all to some affiliates and insurance companies. All information collected through our website is through a secure connection and with a SSL security certificate. All associates who handle information are fully licensed and insured. Information is secured at our main office, for a determined period. Information, when deemed not useful is immediately destroyed for privacy protection. At all times information obtained by Denvers Insurance, LLC is protected and stored safely. The protection of your privacy and information is our number one priorty. For more information on our privacy policies, please contact Mark A. Schneider at mark@denversinsurance.com.
Denvers Insurance, LLC 2011 all rights reserved. Privacy Notice: All information collected by Denvers Insurance LLC and its associates is used for the sole purpose in providing a(n) insurance quote(s). Information is only shared to trusted and licensed sources. This may include all to some affiliates and insurance companies. All information collected through our website is through a secure connection and with a SSL security certificate. All associates who handle information are fully licensed and insured. Information is secured at our main office, for a determined period. Information, when deemed not useful is immediately destroyed for privacy protection. At all times information obtained by Denvers Insurance, LLC is protected and stored safely. The protection of your privacy and information is our number one priorty. For more information on our privacy policies, please contact Mark A. Schneider at mark@denversinsurance.com.
We know the last thing that should be on your mind while you're out riding on the road, is your motorcycle insurance. We have the best and most comprehensive insurance packages available. We will work with you one on one to find the policy that fits your needs best. There are multiple ways to protect yourself and your bike. If you are at fault in accident protect yourself and your bike with medical payments and physical damage coverage for your bike. If you have a passenger, protect them with passenger liability. Go ahead and get a free quote today, and you will be out riding tomorow!
Get A Motorcycle Insurance Quote!
Get A Motorcycle Insurance Quote!
Insurance Products- Motorcycle Insurance
Policy Types
Cruisers
Like to take it easy and relax while you ride? We insure cruisers.
Sport Bike
Enjoy the sports aspect of a bike? Enjoy one of our policies packed with coverage!
Trikes
Have a 3 wheel trike? We can also insure those.
Touring
The name says it all. You enjoy touring the country side, with a great insurance policy.
Standard
Many people prefer a regular bike. Let our custom policy fit your standard needs!
Dual Sport
Like to go on and off road? Have a street dirt bike? If you have a dual purpose bike we have a dual purpose insurance policy!
Scooter, and Mopeds
Own a small bike? Scooter and moped insurance is available!
Like to take it easy and relax while you ride? We insure cruisers.
Sport Bike
Enjoy the sports aspect of a bike? Enjoy one of our policies packed with coverage!
Trikes
Have a 3 wheel trike? We can also insure those.
Touring
The name says it all. You enjoy touring the country side, with a great insurance policy.
Standard
Many people prefer a regular bike. Let our custom policy fit your standard needs!
Dual Sport
Like to go on and off road? Have a street dirt bike? If you have a dual purpose bike we have a dual purpose insurance policy!
Scooter, and Mopeds
Own a small bike? Scooter and moped insurance is available!
Coverages
We will provide a break down of how motorcycle insurance works and what coverage is available.
Liability
Liability is required by law in most states. This is also the only coverage required to be carried in at fault states. If your are deemed at fault in any third party damages, your liability protects you. Some examples are if you rear end someone and you are determined to be at fault. This is the most important part of you auto insurance liability. No matter how much damage is done to any property. Medical bills are very expensive these days, and especially law suits. Limits are available at state minimum requirements, but not recommended. Higher and optional limits include, 50/100, 100/300, 250/500 and 500 combined single limit.
To give a better understanding of what 25/50, 50/100, 100/300 and 500 CSL means please see the following example.
Joe, is looking for an auto insurance policy. He decides that 100/300 would be adequate coverage. This means if he got into an at fault accident, the insurance company will pay up to 100,000 dollars per person, and 300,000 dollars maximum. This pays for medical bills due to the other party, their lost wages, if they sue you in court, and pain and suffering.
Medical Payments Coverage
Medical payments coverage is also know as personal injury protection. This provides coverage for medical bills and losses due to the the at fault party and passengers. This coverage is based on a per person basis. The limits come in a limit order of the following and depending on state laws. For example the Colorado Law minimum is 5,000 per person, unless a waiver is signed. It varies from 500, 1,000, 2,000, 5,000, 10,000, 25,000 per person and some higher limits depending on insurance company and state.
Uninsured and/or Under insured Motorists
Considering that there are a lot of people who don't carry the minimum state requirement for liability insurance, this coverage is a must. You don't want to be responsible for paying for your medical bills, when somebody else was irresponsible and negligent enough not to be carrying insurance. This coverage will pay for your medical payments, lost wages and pain and suffering and for any other passengers in the vehicle. These limits are purchased and work similar to liability limits. You can buy intervals of 25/50, 50/100, 100/300, 250/500 and 500 CSL. This also covers you as a pedestrian walking in most states.
Physical Damage Coverage
Collision
Collision coverage covers any physical damage done to your vehicle, either due to an at fault accident, not at fault accident or uninsured motorists. A deductible is very common on collision coverage. They can be as low as 100 dollars 250, 500, 750, 1000, 2000, 2500 and then 5000. The coverage is usually actual cash value, but certain policies can be endorsed to covered a stated amount or an agreed value. Agreed values most of the time are either collector cars or exotic or high value vehicles.
Comprehensive(other than collision)
Comprehensive covers everything other than what is listed above. Some examples are as follows... hitting an animal, vandalism, weather, riots and theft. This overages is also based on an actual cash value. This coverage can also be endorsed to cover a stated amount or an agreed value.
Towing
Towing provides a set amount of coverage, when your vehicle becomes disabled, either due to mechanical break down or accidents. Charges are usually in dollar amounts of 50, 75, 100 and sometimes up to 150.
Please keep in mind that insurance does not cover maintence. It only covers accidents.
Liability
Liability is required by law in most states. This is also the only coverage required to be carried in at fault states. If your are deemed at fault in any third party damages, your liability protects you. Some examples are if you rear end someone and you are determined to be at fault. This is the most important part of you auto insurance liability. No matter how much damage is done to any property. Medical bills are very expensive these days, and especially law suits. Limits are available at state minimum requirements, but not recommended. Higher and optional limits include, 50/100, 100/300, 250/500 and 500 combined single limit.
To give a better understanding of what 25/50, 50/100, 100/300 and 500 CSL means please see the following example.
Joe, is looking for an auto insurance policy. He decides that 100/300 would be adequate coverage. This means if he got into an at fault accident, the insurance company will pay up to 100,000 dollars per person, and 300,000 dollars maximum. This pays for medical bills due to the other party, their lost wages, if they sue you in court, and pain and suffering.
Medical Payments Coverage
Medical payments coverage is also know as personal injury protection. This provides coverage for medical bills and losses due to the the at fault party and passengers. This coverage is based on a per person basis. The limits come in a limit order of the following and depending on state laws. For example the Colorado Law minimum is 5,000 per person, unless a waiver is signed. It varies from 500, 1,000, 2,000, 5,000, 10,000, 25,000 per person and some higher limits depending on insurance company and state.
Uninsured and/or Under insured Motorists
Considering that there are a lot of people who don't carry the minimum state requirement for liability insurance, this coverage is a must. You don't want to be responsible for paying for your medical bills, when somebody else was irresponsible and negligent enough not to be carrying insurance. This coverage will pay for your medical payments, lost wages and pain and suffering and for any other passengers in the vehicle. These limits are purchased and work similar to liability limits. You can buy intervals of 25/50, 50/100, 100/300, 250/500 and 500 CSL. This also covers you as a pedestrian walking in most states.
Physical Damage Coverage
Collision
Collision coverage covers any physical damage done to your vehicle, either due to an at fault accident, not at fault accident or uninsured motorists. A deductible is very common on collision coverage. They can be as low as 100 dollars 250, 500, 750, 1000, 2000, 2500 and then 5000. The coverage is usually actual cash value, but certain policies can be endorsed to covered a stated amount or an agreed value. Agreed values most of the time are either collector cars or exotic or high value vehicles.
Comprehensive(other than collision)
Comprehensive covers everything other than what is listed above. Some examples are as follows... hitting an animal, vandalism, weather, riots and theft. This overages is also based on an actual cash value. This coverage can also be endorsed to cover a stated amount or an agreed value.
Towing
Towing provides a set amount of coverage, when your vehicle becomes disabled, either due to mechanical break down or accidents. Charges are usually in dollar amounts of 50, 75, 100 and sometimes up to 150.
Please keep in mind that insurance does not cover maintence. It only covers accidents.
Every state has its own laws and requirements. There are no federal laws requiring auto insurance at this time. Most states require a from of compulsory insurance. State auto insurance laws are broken down into two ways. At fault and no fault. Most states are at fault states. For more information on motor vehicle insurance laws, contact your department of insurance in your state. This can be done by a simple Google search.
State Laws And Requirements
Colorado State Auto Insurance Laws
The minimum amount of liability insurance required by Colorado law is as follows:
$25,000 per person for bodily injury;
$50,000 per accident for bodily injury; and
$15,000 per accident for property damage
Additional coverage, such as higher limits, medical payment coverage, uninsured motorist coverage, comprehensive, collision, towing and rental car reimbursement are available, but not required by Colorado Law.
As of Jan. 1, 2009, Colorado requires mandatory "med-pay" coverage with all insurance policies. Consumers may refuse this coverage in writing.
$25,000 per person for bodily injury;
$50,000 per accident for bodily injury; and
$15,000 per accident for property damage
Additional coverage, such as higher limits, medical payment coverage, uninsured motorist coverage, comprehensive, collision, towing and rental car reimbursement are available, but not required by Colorado Law.
As of Jan. 1, 2009, Colorado requires mandatory "med-pay" coverage with all insurance policies. Consumers may refuse this coverage in writing.
Your Finance Company Or Lien Holder
If most cases, your finance company will make you purchase physical damage coverage. Typically, the highest deductible you can carry is 1000 dollars. For more details and requirements, please contact your finance company. We will work closely with your finance company and list them as an interest on your policy.
Get A Motorcycle Insurance Quote!
Get A Motorcycle Insurance Quote!