Why do people get toy insurance plan in Colorado?

Those that are in the Centennial, CO area are going to find there are many great places to spend your time nearby in the great outdoors. If you are going to live in this area of Colorado, investing in your own recreational toy can be a great idea. Along with your recreational toy purchase, you also need to choose a new insurance plan for it. There are a few reasons people here will want to get a toy insurance plan.

Protect their Toy

A key reason people here will get a recreational toy is that it will be something they can enjoy for a long time. When you have the right insurance in place, you can help to protect the toy and ensure you can enjoy it for a long time. With this coverage, you will get the support needed to replace or repair your recreational toy if you incur certain types of losses. 

Liability Risk Mitigation

You should also consider this insurance to mitigate your risk of liability risk. If you cause an accident when using the toy, you are going to be responsible for any damages that you cause. In some cases, these damages can be significant and finding a way to offset this risk is important. With proper toy insurance, you can reduce your liability risk. 

If you intend to own a recreational toy in the Centennial, CO area, it would be a good idea to speak with the team at Compass Insurance. There are a lot of choices you will need to make when picking a new plan and Compass Insurance can help you through the process. The team is able to assess your situation and provide the guidance you need to choose a plan that is ideal and meets your needs. 

Colorado Motorcycle Laws

Motorcycle laws vary from state to state, and those living in Centennial, CO need to know and learn the different Colorado Motorcycle Laws. Knowing and understanding these laws helps make riding safer and ensures you are legally driving. Once you are familiar with the motorcycle laws, give us a call at Compass Insurance to discuss how to protect you and your motorcycle while out on the road. 

Here are the minimum safety standards according to Colorado motorcycle laws: 


It is illegal in Colorado to pass another vehicle in the same lane; this includes lane sharing with cars. However, motorcycles can share a lane with another bike. 


Motorcycle riders cannot cling to another vehicle while on the road. Clinging is when you grab onto a car or another motorcycle and have them tow you while riding the bike. 


Helmets are proven to save motorcyclists’ lives; however, riders aged 18 and over do not have to wear a helmet when riding in Colorado. However, those under the age of 18 must wear a DOT-approved helmet when operating a motorcycle or as a passenger. 

Eye Protection

Some form of eye protection is legally required in Colorado for all motorcycle drivers and their passengers. The best eye protection is available as a helmet visor, but goggles or safety glasses are acceptable. 


All motorcycles must have footrests for passengers, and they must be used when riding. 

Riding Position

According to Colorado Law, passengers must ride on the seat located behind the driver or in a sidecar. Passengers cannot ride directly in front of the driver. 

Additional information about Colorado motorcycle laws is in the Colorado Department of Revenue Motor Vehicle Division’s motorcycle handbook. Then give our agents a call at Compass insurance to discuss insurance requirements for Centennial, CO motorcycle owners.