Category: Motorcycle Insurance

At Atrium Insurance Group in Centennial, CO, our clients ask if we cover a range of vehicles from standard cars to trucks to motorcycles to boats. For those who own a vehicle outside of the typical list, such as a moped or motorized bicycle, finding information about whether it’s possible to get coverage for the said vehicle can be a challenge. Although we can’t speak to your specific situation, we can share what motorcycle insurance generally covers in terms of vehicles.

What Is Motorcycle Coverage?

Motorcycle coverage is an insurance policy that covers motorcycles and some related vehicles. While every policy differs, motorcycle insurance policies cover similar vehicles. If you’re unsure if our policies would cover the type of motorcycle-like vehicle you have, you can always stop by our office or call to speak with one of our representatives for more information.

What Vehicles Does Motorcycle Insurance Cover?

Even though motorcycle insurance policies may differ in what they cover, some policies cover a mix of vehicles, including cruisers, custom bikes, dirt bikes, low-speed bikes, sport bikes, trikes, and vintage or classic bikes. Of course, there’s no way to know if a motorcycle insurance policy covers one of these types of bikes without speaking directly to an insurance professional at our office. That’s why we recommend contacting us with specific questions about what our policies may or may not cover.

If a motorcycle insurance policy doesn’t cover your bike or vehicle, don’t worry! Another insurance policy may be able to cover it, or you may be able to get specialized coverage. You won’t know your insurance options until you contact our office.

Contact Atrium Insurance Group Today

For more information on motorcycle coverage, call our office at Atrium Insurance Group in Centennial, CO.

When you own a motorcycle, it’s essential to get motorcycle insurance. If this is your first motorcycle, you may have questions about how motorcycle insurance works and how it can benefit you. The professionals at Atrium Insurance Group serving Centennial, CO are here to provide you with answers to those questions. Below are three essential things you should know about motorcycle insurance. 

1. Liability coverage is a requirement.

In the state of Colorado, drivers are required to have a liability coverage policy for their motorcycle. Whether or not you feel it’s necessary, you’ll need this type of policy to drive on the roads. Shop around for insurance before buying your motorcycle so you can be ready to drive your bike off the lot when you find the right type of vehicle for you. 

2. Collision insurance coverage for physical damage to your motorcycle.

If you’re in an accident with your motorcycle, your motorcycle could become significantly damaged. Collision insurance helps repair your motorcycle if you’re found at fault for an accident that causes damage to your vehicle. Hopefully, you’ll never have an accident, but if you do, this type of insurance can help make the recovery easier and less stressful. 

3. Add-ons like roadside assistance can offer peace of mind.

Motorcycle insurance offers add-ons like roadside assistance, which can help you get back home if your motorcycle breaks down somewhere on the road. You can’t control when breakdowns will occur, but you can help make them less stressful when they happen by adding roadside assistance to your motorcycle insurance policy. 

Have more questions about insurance for your motorcycle in Colorado? Contact Atrium Insurance Group serving Centennial, CO, to learn more. 

If you’re interested in riding your motorcycle but want to make sure you’re as protected as possible, having a good motorcycle insurance policy is the right choice. Atrium Insurance Group is here to help if you’re located in or near the Centennial, CO area.

We understand that motorcycles can be a lot of fun, especially in warm weather, but we also know you can have a lot more peace of mind on one when you choose the right type and level of coverage to protect you as much as possible. Here’s what to consider, so you can get the most value and security from your motorcycle policy.

Getting The Most From Your Motorcycle Insurance

1. Make sure you understand the value and coverage level of the policy you’re getting so you know exactly what it protects.

2. Work with an agent you can trust to show you policies from multiple companies and help you choose the right one for your needs.

3. Review your policy with your agent on at least a yearly basis, so you can make any needed changes and keep yourself protected.

4. Find a policy that’s from a trusted insurer, so you can feel confident they’ll be there for you if you need them.

While the basics of most motorcycle policies are the same, there’s a lot more to consider than just minimum coverage. There are plenty of additional options, and finding the best ones for you matters.

Reach Out To Us

Working with our agents at Atrium Insurance Group is the right choice for quality motorcycle insurance that keeps you protected. If you’re in the Centennial ,CO area, reach out to us today, and let’s talk about the different options you have. Finding the right policy starts with knowing what to choose from, and we want to make that easier for you, both now and in the future.

For a person who loves activities that trigger an adrenaline rush, owning a motorcycle may be one of the things on their bucket list. Some of the thrilling activities involved with motorcycle riding may be fun, but may also pose potential dangers to the rider or the motorcycle itself.

While going on that riding excursion, you are unlikely to forget the basic protective gear. Atrium Insurance Group, however, brings you coverage that will protect you beyond your helmet. More than just your riding license, your motorcycle insurance is legally required in Centennial, CO.

These are some reasons why:

Loss or damage

Motorcycle insurance will cover any damage that may be caused during a collision. The cover will help with the fee that may be needed for the repair of the motorcycle. In the unfortunate event of theft, insurance will also finance the replacement of your motorcycle. Our motorcycle insurance will also help to cover any cost that may be needed for the repair of any property that may have been damaged by your motorcycle.

Injury

Sometimes, accidents may not only cause injury to the rider of the motorcycle but also to a pedestrian or an extra person on your motorcycle. In the event of an accident that has led to injury, the insurance will cover the medical care of the individual.

Contact Us Today

Lack of motorcycle insurance may therefore pose a risk of potential suit. This may happen when for instance, you are unable to cater for the cost of damage that may have been caused on a pedestrian or another party’s property. If you are in the greater Centennial, CO region, Atrium Insurance Group will provide you with a tailored plan that will cover your motorcycle all year round. We will ensure that you enjoy your ride free from any liability!

Motorcycle insurance covers the expense of replacing or repairing your motorcycle in the case of an accident. It also covers medical bills resulting from an accident, as well as costs associated with a legal defense if you are charged with a crime due to an accident. 

Most policies also offer some level of liability coverage, which will help cover the costs associated with injuries or other damages incurred by others due to an accident. Consult with our agents at Atrium Insurance Group in Centennial, CO for expert insurance advice.

Motorcycle Insurance Coverage: What You Need To Know 

Motorcycle insurance does not cover any damages to your bike if it is stolen. It also does not cover the value of any stolen items that were in your bike. Most insurance companies require that you have liability coverage. In the case of a collision, this shields the safety of the other drivers. It also has a minimum amount of coverage you must have for your bike. 

Motorcycle insurance can cover a variety of things, including liability, medical coverage, physical damage, and rider profile. Most policies have a limit on the amount of coverage available for a single incident, so it’s important to read your policy and know what the limits of your coverage are. 

However, many policies will not cover any accidents that happen while the policyholder is intoxicated. Almost all policies will not cover intentional acts. This means that if you cause an accident on purpose or maliciously, you won’t be covered by your policy. 

If you leave your motorcycle and cause an accident, your policy will not cover that accident. Most policies will also offer some degree of coverage for personal assets that you keep on the motorcycle, like saddlebags or a travel trunk. 

Give Us A Call

Motorcycle insurance is designed to protect you, the rider, and other motorists if you are involved in an accident. Atrium Insurance Group in Centennial, CO is here to provide you with expert insurance advice.

Atrium Insurance Group offers coverage to the Centennial, CO community. We strive to make sure that our clients are covered when disaster strikes. We offer flexible policies that are designed to fit our client’s individual needs. We work closely with several carriers throughout the state. This allows us to offer our clients multiple options before they make a decision. We look forward to helping you protect what matters most.

Extra Coverage That Motorcycle Riders Can Add To Their Policy

There are multiple risks involved with operating a motorcycle. That’s why motorcycle insurance is an asset. You are covered as you travel around Centennial, CO and beyond. Collision coverage protects you if your motorcycle is involved in an accident with another vehicle or object. Collision coverage will take care of any damages. Liability coverage protects you if you are ruled to be responsible for causing property damage or injuring someone. Liability coverage will assist with the potential damages. Comprehensive coverage protects you if your motorcycle is stolen. The policy also covers you if your motorcycle is vandalized or damaged due to severe weather. You can modify your policy to add extra coverage if you choose.

Uninsured motorist coverage is a common addition to motorcycle policies. The coverage protects you if your motorcycle suffers damage in a collision with someone who does not have insurance. Urgent roadside assistance is another common add-on. If you are traveling out of town and your motorcycle won’t start, you can receive urgent service to come to assess the problem. If you park your motorcycle in a storage unit during the winter and other parts of the year, you can add storage coverage. Storage coverage protects your motorcycle if something happens to it at the facility.

Atrium Insurance Group Will Help You Cover Your Assets

Visit our website to learn more information about motorcycle insurance

With its open roads, scenic mountains, and big, blue sky, Colorado has gained quite a reputation among motorcyclists. It’s no wonder that so many residents in Centennial, CO and surrounding communities have embraced the motorcycle lifestyle—but Colorado also ranks 8th highest in motorcycle thefts per year. On average, across the United States, a bike gets stolen every 11 minutes! This not only affects the finances of motorcycle owners directly but also increases insurance premiums for the entire community. 

At Atrium Insurance Group, we work hard to protect our motorcycle enthusiasts and encourage safety on the road. That includes safety from theft. Use these tips to prevent motorcycle theft: 

Top Ways to Prevent Motorcycle Theft

The best way to keep your bike from being stolen is to remain alert and aware of your surroundings at all times. Here are some specific ways to protect your motorcycle:

• Lock Your Ignition. The vast majority of motorcycle thefts occur when the ignition is off but not locked. Get in the habit of fully locking your ignition, even if you’re just running into the gas station for a minute. 
• Lock Your Forks or Disc Brakes.  Brightly colored disc brake locks can deter a theft before it starts. And they’re inexpensive, too! 
• Lock Bikes Together. If you’re traveling in a group, corralling your bikes and using a large motorcycle chain lock will give everyone added protection against theft. 
• Lock Bike to a Secure, Stationary Object. If you’re traveling alone, lock your bike to a secure object that can’t be easily dismantled, like a light pole. 
• Add an Alarm. Many disc brake locks not only immobilize your bike but also include an alarm that’s triggered immediately at any detection of shock or vibration. Most can be found for under $50, making them a great investment. 
• Park Close to Your Room or a Camera. If you’re traveling overnight and your lodging doesn’t have a garage or motorcycle cage available, be sure to park in view of an outdoor security camera and/or your window.
• Customize Your Bike (and Take Photographs). Aftermarket upgrades do more than show off your unique style. They can also protect you and make it more likely your bike is recovered in the event of a theft. Make a few customizations (or even a mark that only you know about) and then take pictures. 
• Keep Your Papers on You. Finally, never leave important papers such as your title, motorcycle registration, or insurance card in your storage compartment or saddlebag. This makes it easy on the thieves and difficult for you to prove ownership. Instead, keep your title in a file cabinet or safe box, and keep vehicle papers on your person when you ride. 

By taking a few simple and inexpensive precautions, you can help prevent motorcycle theft and save yourself a lot of potential headaches and heartache. Of course, no matter how careful we are, sometimes theft happens anyway. In these cases, it’s good for Centennial, CO riders to have an agency like the Atrium Insurance Group by their side. Contact us today to learn how we can protect you from accidents, motorcycle theft, and more. 

Filing an insurance claim after a motorcycle accident in Centennial, CO can be messy and challenging. Every accident needs to be handled independently, depending on who was at fault, the injuries, and the damages involved. At Atrium Insurance Group, we recommend learning how to file a motorcycle insurance claim successfully in an accident. Here are a few basic steps you can follow.

Check for injuries

When checking for injuries, it doesn’t matter who was at fault. Whether you were hit by a car or hit the car, make sure you record your injuries and pay attention to your body after the accidents, as most injuries may not show signs the first few days.

Ask for help

Motorcycle accidents are quite common in Centennial, CO. If the accident is too fatal, you may want to get help from police officers and passers-by. They can help you record a statement, call an ambulance, or help move your bike from the road safely. If you can’t ride back home, call friends or family to come and get you.

Assess the damage

If you are in a safe location around the highway or road, thoroughly and slowly inspect your bike from one end to the other. Check whether there is property damage to any fences or surroundings. Accidents that do not involve vehicles are handled differently from accidents that involve other vehicles. So, make sure you have thoroughly gone over the bike.

Collect details

Collect even the smallest of the details. You want to focus on the other party’s details, such as their contacts, insurance information, and any additional information about the car. You can also get information from witnesses, the time of the accident, the police officer’s name who attended to you, weather conditions, location, damage, injuries, and a few photos and videos.

Don’t forget to act quickly before things turn against you. To learn more tips on how to file a successful insurance claim, visit Atrium Insurance Group today!