The warmer summer months are finally here and this is the best time to hit the open road on your motorcycle. It may also be the perfect time to buy the motorcycle of your dreams. However, before you hit the open road this season, it is important to have enough motorcycle insurance to cover any unexpected accidents or incidents. Motorcycling is dangerous and the amount of insurance you purchase should reflect these dangers. All riders should at least purchase the minimum amounts of insurance required by law in Colorado. However, safety experts encourage riders to purchase significantly more in the event they’re involved in a hit and run accident or an accident with an uninsured or underinsured motorist.
In Colorado, motorcyclists are required to purchase and maintain motorcycle liability insurance on their bikes. This insurance protects you in the event you cause an accident. This insurance will cover the other driver’s injuries and any damage to other vehicle or property. These minimums are:
All riders are encouraged to purchase additional insurances such as UM/UIM insurance to protect themselves in case they’re involved in an accident with a driver who doesn’t carry these minimums. In addition, it is always a good idea to raise your limits to protect yourself in the event you cause a catastrophic accident with multiple injuries and damages.
The average cost to insure a motorcycle in the United States is $519 per year, according to statistics from ValuePenguin. This is well below the average cost of auto insurance, however, where you live could significantly impact this cost. For example, motorcyclists in Louisiana pay 73% more than the average – a whopping $896 a year to insure their motorcycles. Riders in Iowa, however, pay 38% less to insure their bikes – just $323 a year.
So what about the cost to insure a motorcycle in Colorado? Well, in here, motorcyclists pay just 3% above the national average – roughly $534 a year or $45 a month to insure their bikes.
In addition to where you live, your rate will change based on the amount of coverage you purchased, your driving history, and your age. It will also change depending on what type of motorcycle you own. In general, sport bikes and super-sport bikes are more expensive to insure than cruisers. This is because they have a higher crash rate and a higher theft rate. In fact, compared to cruisers, sport bikes were 388% more expensive to insure. Touring bikes were the cheapest to insure. In fact, they were 40% cheaper to insure despite having a much higher value.
If you or someone you love has been injured in a motorcycle accident in Arvada, Northglenn, Thornton, or anywhere in Northern Colorado, you may face a long uphill battle collecting the money you need to recover. At Hull & Zimmerman, P.C., our committed motorcycle accident lawyers can help you during this time. We know how to negotiate with insurance companies to recover maximum compensation for our clients. Contact us at (303) 423-1770 or (866) 385-3505.
At Hull & Zimmerman, P.C., we are honored to help accident victims in their time of need, and take our responsibility as personal injury lawyers incredibly seriously. We know how important it is for victims to secure the full and fair compensation they need following a serious accident, and that is why we take a hands-on, personalized approach to every case we handle.
awarded to a woman who was a victim of a car crash. The woman was driving the highway when the other driver approaching from the opposite direction lost control of his vehicle, crossed the center line and hit her head on. She suffered multiple broken bones, including her hip, pelvis, leg, and right arm. She missed several years of work as a result of her injuries. Read More
awarded to a woman who was the victim of a t-bone car crash. The client suffered multiple injuries. The most significant of which was a head injury. While she was ultimately able to return to work on a part-time basis, Plaintiff was never able to return to work on a full-time basis. Read More
settlement awarded to a lady who suffered a head injury. She slipped and fell in a slanted parking lot at her place of employment. Evidence demonstrated that the owner of the building had constructed a fence shading the parking lot such that ice was allowed to continuously accumulate during the winter months. Multiple people had fallen on the ice prior to the client’s fall. As a result of her injuries, Plaintiff was forced to take early retirement. Read More
awarded to a man whose vehicle was hit from behind by a semi. The injured party suffered back pain and rotator cuff tears in each shoulder and was forced to retire from his job doing road repair four years earlier. Read More
settlement (policy limits) awarded to a young man who lost his eye when another child shot an arrow into the air. Read More
settlement obtained for a man who was injured in a rear end automobile accident. He suffered a herniated disc in his low back which was not well resolved by surgery forcing him to leave his employment as an apartment maintenance manager. Read More
awarded to a gentleman in association with a workman’s compensation case. He initially sustained a head injury at work when attacked by a patient. Several years later, his condition worsened resulting in his inability to return to work in his usual job. Read More
settlement achieved in a legal malpractice case. The client initially suffered a herniated disc in her neck in association with an automobile accident. The attorney failed to file the lawsuit in a timely manner and the Plaintiff was initially denied her ability to achieve any monies from the original lawsuit. Read More
settlement awarded to a man who was a victim of an automobile accident. Plaintiff was a passenger who was rear-ended by another driver. Following the accident, he suffered a long term back injury. Read More
settlement awarded to a lady who aggravated a pre-existing back condition when she slipped and fell at the entrance to a casino. Read More
awarded to a woman who suffered a rotator cuff tear from an automobile accident. Read More
$1,250,000.00 –awarded to a woman who was a victim of a car crash. The woman was driving the highway when the other driver approaching from the opposite direction lost control of his vehicle, crossed the center line and hit her head on. She suffered multiple broken bones, including her hip, pelvis, leg, and right arm. She missed several years of work as a result of her injuries.
$1,200.000.00 –awarded to a woman who was the victim of a t-bone car crash. The client suffered multiple injuries. The most significant of which was a head injury. While she was ultimately able to return to work on a part-time basis, Plaintiff was never able to return to work on a full-time basis.
$450,000.00 –settlement awarded to a lady who suffered a head injury. She slipped and fell in a slanted parking lot at her place of employment. Evidence demonstrated that the owner of the building had constructed a fence shading the parking lot such that ice was allowed to continuously accumulate during the winter months. Multiple people had fallen on the ice prior to the client’s fall. As a result of her injuries, Plaintiff was forced to take early retirement.
$425,000 –awarded to a man whose vehicle was hit from behind by a semi. The injured party suffered back pain and rotator cuff tears in each shoulder and was forced to retire from his job doing road repair four years earlier.
$300,000.00 –settlement (policy limits) awarded to a young man who lost his eye when another child shot an arrow into the air.
$300,000.00 –settlement obtained for a man who was injured in a rear end automobile accident. He suffered a herniated disc in his low back which was not well resolved by surgery forcing him to leave his employment as an apartment maintenance manager.
$250,000.00 –awarded to a gentleman in association with a workman’s compensation case. He initially sustained a head injury at work when attacked by a patient. Several years later, his condition worsened resulting in his inability to return to work in his usual job.
$250,000.00 –settlement achieved in a legal malpractice case. The client initially suffered a herniated disc in her neck in association with an automobile accident. The attorney failed to file the lawsuit in a timely manner and the Plaintiff was initially denied her ability to achieve any monies from the original lawsuit.
$150,000.00 –settlement awarded to a man who was a victim of an automobile accident. Plaintiff was a passenger who was rear-ended by another driver. Following the accident, he suffered a long term back injury.
$125,000.00 –settlement awarded to a lady who aggravated a pre-existing back condition when she slipped and fell at the entrance to a casino.
$75,000.00 –awarded to a woman who suffered a rotator cuff tear from an automobile accident.
Easy
to talk to. They made my experience very comfortable through my whole journey.
My heartfelt gratitude goes out to the whole staff at Hull & Zimmerman. Thank
you
- 
– R. Hamilton
I
would just like to send a “thank you” to you and your staff. You have been the
most professional and efficient law office if have ever dealt with. I will
continue to tell people about the wonderful job you have done for me and my
family. Mr. Zimmerman you are the most professional lawyer and I truly
appreciate all you have done. Again Thank you
– D. Hassoun
would
just like to send a “thank you” to you and your staff. You have been the most
professional and efficient law office if have ever dealt with. I will continue
to tell people about the wonderful job you have done for me and my family. Mr.
Zimmerman you are the most professional lawyer and I truly appreciate all you
have done. Again Thank you.
– Jason B.
I was
injured in a fall and the nightmare began. I found Mike Zimmerman on the
internet, read his background history and contacted his office. The Office Staff
was wonderful, patient, and helpful, even though I was probably a pain to them.
Mike is a no nonsense kind of guy. He will tell you exactly what he feels about
your case and will not sugar coat it. You will know exactly what to expect and I
appreciated the honesty! I would recommend Mike to anyone who has their life
spinning out of control because of an accident. He help me get my life back.
– Mary T.
Working through divorce and custody issues is an extremely difficult and
emotionally trying experience. Mike Zimmerman represented my interest in a
highly professional manner and protected my rights as a parent at a level that
exceeded my highest expectations. This firm’s expertise, ability and
professionalism earned my respect as well as my continued business for any legal
issues I encounter in the future.
– Michael D.
We
came across mike Zimmerman when we were involved in an accident awhile back, we
had been negotiating with the insurance company for some time and getting
nowhere with a settlement. Never knowing Mike Zimmerman when we had gone and
seen him it really surprised us that he made us feel right at home and that he
was really concerned for his clients. Mike was very upfront with us a our
lawyer, and advised us every step of the way. His associates were very
professional and office personnel was very friendly also. Mike got almost double
the settlement we were expecting and we just were very satisfied and would
highly recommend him to anyone that needs a good honest lawyer.
– Clarencec & Joy W.
We
were hit by an uninsured driver in 2006 and my husband was unable to work for
some time. Initially our own insurance really didn’t want to help us. On the
recommendation of a friend, we contacted Mr. Z and with his advice, suggestions
and hard work, we were able to get the what we needed from our insurance to help
us with our bills and medical costs. His staff was very patient with us as well
and was always available to reassure us and to answer our questions. We hope
nothing like this ever happens again, but if it was to happen, we would contact
Mr Zimmerman in a heart beat.
– G. & B O.
Rick –
Smart and nice! We were nervous and Rick put us at ease. Kept us informed. Never
thought we made a bad choice. Also, the first time I called, I talked to
Rick…impressed us very much.
– D. & S. Bratrovsky
Exceeded expectations!
– T. Thiel
I
liked the fact that I was kept up to date throughout the process. When the
accident first happened, Rick went to bat for me right away to make sure that I
was compensated for my loss of transportation. The end result in my case
exceeded my expectations and I was very pleased.
– D. Hughley
I
appreciated the effort Rick Hull presented during the difficulties that occurred
throughout the settlement and following. I felt completely at ease during the
whole process.
– Michele Wolf
I
appreciated the fact that Rick Hull always explained everything to me. No matter
how insignificant I thought the question was, he encouraged me to ask and was
very patient when I didn’t understand some aspect of the legal procedures. I
also appreciated the fact that Rick was a real person, he wasn’t stiff or
unapproachable. He was easy to talk to, to understand, and get along with. In
addition, he explained certain aspects of Colorado law thoroughly to me so that
I could make an informed decision that best suited my needs.
2:17 pm
June 3rd, 2019