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Colorado Auto Insurance Coverage

You can’t drive legally in Colorado without car insurance. If you own or drive a car in Colorado, you need to make sure that you find the right type of insurance coverage. Getting the right type of insurance in the Centennial State means staying up to date with the states auto insurance requirements. If you are not sure about auto insurance requirements, inquire from the state’s department of insurance.

Once you know what types of coverages you need to stay adequately protected, the next step is to purchase auto insurance coverage from a reputable insurer like All Drivers Insurance in Colorado. Having sufficient coverage means that you won’t have to take care of damages or medical bills out of pocket in the event of an accident.

Coverage Options

There are many types of coverage options to choose from depending on the amount of protection you need. All drivers are required to have liability coverage to drive legally in the state. The state minimums mandate that you must have $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 per accident for property damage in liability insurance. Other coverages to consider are:

  • Collision Coverage: Collision coverage takes care of the damages if you are responsible for an accident and need to cover repairs to your own vehicle.
  • Comprehensive Coverage: Comprehensive coverage pays for damages resulting from non-collision-related incidences such as vandalism, extreme weather, etc.
  • Medical Payments: MedPay covers medical expenses in case of bodily injuries regardless of who’s at fault. Just like uninsured motorist coverage, the provider is supposed to offer this coverage, but you can opt out.

Other common auto insurance coverage options to consider are rental coverage, lease gap coverage, and roadside assistance coverage. You can find all the auto insurance coverage options and more at All Drivers Insurance of Colorado. Give us a call or visit our offices for more information on the available coverages and to get a quote.

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