Motorcycle Insurance in Colorado: What’s Covered—and What’s Not

You pay for insurance to protect yourself. But when the crash happens, you may be shocked at how little is actually covered.

You Thought You Were Covered—Until the Crash Happened

You ride smart. You carry insurance. And you thought you were protected. But now, after a crash, you’re staring down thousands in medical bills, damage to your bike, and an insurance company that’s not picking up the phone—or worse, telling you “that’s not covered.” You’re not alone. At Fisher and Associates, we’ve helped countless Colorado riders who didn’t find out what their policy really covered until it was too late. This guide breaks down what motorcycle insurance in Colorado actually covers, what it doesn’t—and how to protect yourself legally and financially before and after a wreck.

Colorado Requires Motorcycle Insurance—But Only the Bare Minimum

The law says you need insurance. It doesn’t say you need good insurance.

Here’s what Colorado requires you to carry:

• $25,000 for bodily injury (per person)
• $50,000 for bodily injury (per accident)
• $15,000 for property damage
  

This is liability coverage—meaning it pays for the other person’s injuries and damage if you cause the crash. It does not protect you if someone hits you. It won’t cover your medical bills, your lost wages, or the cost of fixing your motorcycle.

Bottom line: If you carry the minimum policy, you’re exposed.

What Most Motorcycle Insurance Policies Cover—And What They Don’t

Think you’re protected? Read the fine print.

Here’s what a standard motorcycle policy may or may not cover in Colorado:

✅ Usually Covered (If You Add It):

• Liability for damage you cause
• Collision (if added) – repairs or replacement for your bike after a crash
• Comprehensive (if added) – covers theft, vandalism, fire, weather
• Medical payments/MedPay (optional) – limited coverage for your medical bills
  

❌ Not Automatically Covered:

• Your own injuries if another driver causes the crash
• Lost wages from missing work
• Future medical treatment
• Pain and suffering
• Bike customization or gear
• Uninsured/underinsured driver damage unless you specifically add it
  

That last one is the most dangerous gap in coverage—and the one most riders only find out about when it’s too late.

The One Add-On That Could Save Your Financial Life: UM/UIM

Uninsured and underinsured motorist coverage (UM/UIM) is the most important thing you’re probably missing.

Colorado has no law requiring drivers to carry UM/UIM coverage—but we believe every rider should have it. Here’s why:

• Colorado has a high number of uninsured and underinsured drivers
• If one of them hits you, and they don’t have enough coverage, you get nothing
• UM/UIM steps in to pay for your injuries, lost income, and damages
  

If you’re hurt by a driver with no insurance—or just the minimum—your own UM/UIM coverage may be the only thing protecting you.

And yes, you can even make a UM/UIM claim against your own policy—but don’t expect the insurer to make it easy.

Filing a Motorcycle Insurance Claim in Colorado? Read This First.

Insurance companies may sell you a policy—but they won’t make it easy to collect on it.

After a crash, we often see:

• Delayed responses or requests for excessive paperwork
• Blame shifting—even when it’s clearly not your fault
• Denying medical claims as “unrelated” or “unnecessary”
• Lowball settlements before you know the full extent of your injuries
• Pushback on custom parts or gear replacement
  

Even your own insurance company has one goal: pay as little as possible.

That’s why when serious injuries or significant damage are involved, it’s time to call a lawyer who can protect your claim.

Don’t Let a Policy Limit Decide Your Future: Why Fisher and Associates Fights Differently

Your insurance policy isn’t designed to protect you. But we are.

At Fisher and Associates, we help riders who were hurt, blamed, and shortchanged by insurance companies. Our veteran-led legal team fights for full, fair compensation—even when the insurance company says “that’s not covered.”

Why clients trust us:

• Attorney-first model—you work directly with a seasoned trial lawyer
• Decades of experience with motorcycle injury claims
• Experts on insurance disputes and policy language
• No fee unless we win—we’re in the fight with you
  

If you’ve been in a crash, don’t assume the insurance company will “do the right thing.” Let us read the fine print—and hold them accountable.

Here’s How to Protect Yourself—Before and After a Crash

1. Review your motorcycle policy—Does it include collision? MedPay? UM/UIM?
2. Add uninsured/underinsured motorist coverage to your policy if you don’t already have it
3. If you’ve been injured in a crash, call Fisher and Associates immediately—before you speak to any insurance company

Think You’re Covered? Let’s Make Sure.

Colorado motorcycle insurance laws are confusing. Policies are full of exclusions. And insurance companies are trained to protect their profits—not your recovery.