Car Insurance, also referred to as Auto Insurance, is required in most states to protect you and your vehicle(s) from any unforeseen incidents. We pride ourselves on offering the best car insurance options in Colorado, and other states, to help keep you covered and on the road.
Car insurance is an agreement between you and an insurance company that gives you financial protection in the event of an accident, theft, or other incidents beyond your control, like hail or hitting an animal. Car insurance can pay for things like injuries you may cause another person, vehicle repairs, and medical expenses. In some cases, it can also make you whole again if you are hit by an uninsured or underinsured motorist. The cost of auto insurance will vary depending on the coverage and limits you select, as well as other factors such as a person’s driving record and age.
Car insurance protects you and your assets in the event you are liable for an injury, loss, or damage to someone else or their property. It can also protect you if you’re in an accident with someone who doesn’t have insurance or doesn’t have enough insurance to cover your losses. You select the coverages that are important to you, pay a premium to the insurance company for those coverages, and they pay for losses outlined by those coverages in your policy. Car insurance policies cover the vehicle, not the person, so it’s important to remember that every vehicle needs to be covered by a car insurance policy.
Auto insurance requirements vary by state, but the following are required coverages in most states. In Colorado, medical payments coverage is optional but recommended.
Bodily Injury Liability – Provides coverage for medical costs that could be incurred from injury or death resulting from an accident.
Property Damage Liability – Ensures reimbursement for damage caused to vehicles or property resulting from an accident.
Medical Payments – This covers medical costs for injuries you or your passengers incur from an accident
These coverages aren’t required by the state but are recommended to better protect you in the event of an accident:
Collision – Protects you against damage caused to your vehicle because of a collision with another vehicle or piece of property.
Comprehensive – Provides coverage for incidents outside of accidents like theft, natural disaster, or other liabilities
Uninsured Motorist Coverage – Coverage if you get into an accident with an uninsured motorist, so you don’t get stuck with damage or medical bills.
Glass Coverage – Offers coverage specific to glass replacement for your vehicle
The short answer is yes. Car insurance is required in almost every state in some form. Driving has become so normal that we can sometimes forget the power behind our vehicles. Car insurance is intended to protect you and other drivers on the road. If you are curious about your state’s car insurance requirements, please contact us today so we can help.
A great first step in getting car insurance is calling us. Each policy is different and has unique associated costs, so to get the most accurate car insurance quote, make sure you reach out to us today!
1040 South Gaylord Street #23
Denver , CO 80209
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