Author: admin

As a motorcycle rider, knowing what your insurance policy covers is important if you are involved in an accident. In Colorado, motorcycle riders must carry liability insurance that meets the minimum requirements set by the state. But what about your helmet and other safety equipment like helmets, jackets, boots, and gloves? Integrity First Insurance explains how motorcycle insurance coverage works. 

Comprehensive Coverage for Your Gear 

If you want protection for yourself and your gear in the event of an accident, then you should consider purchasing comprehensive coverage as part of your motorcycle insurance policy. Comprehensive coverage can help pay for damages related to theft, vandalism, fire, floods, hail storms, or other weather-related events and accidents, such as falling objects or animals running into the road.

It may also cover any safety gear you have purchased, such as helmets and riding suits damaged or destroyed during an accident. 

Uninsured/Underinsured Motorist Coverage 

Another type of coverage that may be beneficial is uninsured/underinsured motorist (UIM) coverage. This type of coverage helps protect you financially if another driver causes an accident but doesn’t have adequate insurance or any to cover the repairs and medical bills resulting from the accident. UIM provides additional protection above and beyond basic liability coverage, so it’s worth considering if you don’t already have it included in your policy.      

Reach Out To Us                                     

Protect yourself and your gear on the roads of Colorado with comprehensive coverage for your motorcycle. At Integrity First Insurance, we can help tailor a policy to suit your needs – so contact us now! Our customized policies give you peace of mind during any ride, allowing you to hit the open road worry-free.

Motorcycle insurance is a must for all riders. However, do you know the difference between full coverage and liability-only policies? Here, we’ll break it down for you so that you can make an informed decision about what type of policy is best for you.

What Is Full Coverage Insurance?

Full coverage motorcycle insurance is just what it sounds like – it covers you, your bike, and any damage you may cause up to the limits of your policy. This type of policy typically includes collision and comprehensive coverage, as well as bodily injury and property damage liability.

What Is Liability-Only Insurance?

Liability-only insurance, on the other hand, only covers damage you may cause to another person or their property. It does not cover any damage to your own bike or body. This type of policy is typically much less expensive than full coverage but offers far less protection.

So, Which Type of Policy Is Right for You?

That depends on several factors, including the value of your bike, your riding habits, and your budget. If you own a high-value bike or ride often, full coverage may be the best option. However, if you have an older bike or you only ride occasionally, liability-only insurance may be sufficient.

The thing is, you’ll need to weigh the pros and cons of each type of policy before making a decision. If you’re still unsure which type of policy is right for you in Colorado, Integrity First Insurance can help you make an informed decision.

Give Us A Call

There you have it – a brief overview of the difference between full coverage and liability-only motorcycle insurance. As always, be sure to do your research and consult with an insurance agent before making any decisions about your policy. Integrity First Insurance in Colorado is here to help you find the right policy for you, so don’t hesitate to give us a call today.