Auto Insurance

Colorado auto insurance covers Property, Liability and Medical coverage:

Property insurance will pay for the damages to your car, including vandalism and theft.

Liability insurance covers your legal responsibility if you are at fault in an accident and also will pay for property damage and costs incurred from bodily harm.

Medical insurance covers the cost of medical treatment or injury and rehabilitation resulting from an accident. It also may cover lost wages and funeral expenses.

There are six separate parts of auto insurance in Colorado and they may all be included in your policy, or you may only have a few. It can seem confusing at times to sort out the coverage options and find out what you really need. You can use the help of a Colorado insurance agent to determine what kind of coverage to purchase as well as how much you will require.

Bodily Injury Liability –

Bodily injury liability covers the damage that the insurance policy holder causes to another party.

Medical payments or Personal Injury Protection (PIP) -

This covers the cost of treating the driver or passenger of the policy holders car in the event of an accident.

Property Damage Liability –

This covers the cost of damage caused by the policy holder to someone else’s property.

Collision –

This covers the damage to the policy holders car resulting from a collision with another car, a light post, street sign or other object.

Comprehensive –

This covers damage to the policy holders vehicle that is not a result of a collision. This includes damage from fire, theft, falling objects, missiles, explosions, earthquakes, floods, riots, and civil commotion.

Uninsured Motorist Coverage –

This coverage covers the policy holder in the event that a collision occurs with an uninsured driver who is at fault. Underinsured insurance can also be purchased to cover medical treatments that are in excess of the at fault policy holders limits.

These policies are all priced out separately. There is a minimum amount of insurance coverage required Colorado State Law or $25,000/$50,000 coverage for Bodily Injury Liability and $15,000 coverage for Property Damage Liability. If you are leasing a vehicle or still owe money on your car, you may need to purchase additional insurance as well. Talk to your Colorado insurance company to determine what your needs are and to get a price quote.

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Phone Address303.477.6500

Address Address2650 18th Street
Denver, CO 80211

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