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Bodily Injury Liability Coverage
Pays if you are the cause of an accident in which someone is hurt or killed. Consider the assets that you will need to cover when deciding how much coverage to purchase.
$25,000 per person
$50,000 per accident.
Property Damage Liability Coverage
Pays when you damage another person's property, like a car, utility pole, building, or other physical property.
$15,000 per occurrence
Uninsured/Underinsured Motorist Coverage - UM/UIM
Pays medical and other expenses if you are hit by a driver who has inadequate auto insurance or no auto insurance.
The minimum provided is $25,000/$50,000
(same as the Colorado minimum BI liability amounts.) But you can purchase UM/UIM in an amount up to the same amount of BI coverage you've purchased.
You can reject UM/UIM coverage. But you must do so in writing.
Medical Payments Coverage
Insurance companies are required to offer $5,000 of coverage. If you do not opt out of coverage, it will automatically be added, and you will be charged the premium.
Comprehensive coverage covers losses that are NOT the result of a collision. This usually includes theft, earthquake, fire, flood, falling objects, or an accident involving an animal.
Collision coverage covers damage to your vehicle if you are involved in an accident (collision) with another vehicle or an object, such as a tree or a brick wall.
Comprehensive and collision coverage are not required by state law, but lending institutions may require these coverage if you have a loan through their facility.
On July 1, 2003, Colorado switched from a no-fault auto insurance system to a tort system (fault based system.)
Q. What is a tort auto insurance system?
A. A system where the driver who is "at-fault in a traffic accident is responsible for paying the victim's medical expenses and additional damages, like loss of wages and "pain and suffering."
Q. Do I have to get a lawyer and file a lawsuit to get my damages paid for?
A. Hardly ever. In fact, in over 90% of all cases, they are settled without a lawsuit being filed. In the less than 10% of cases where a suit is filed, most of those cases are settled out of court. The victim generally works with the at-fault party's insurance company to settle the claim.
Don't consider the quote alone; but also consider their customer service record, as well as their record for handling claims. Check for reviews to see how they've treated their policyholders in the past. Don't make a terrible mistake by finding out AFTER you've taken their policy that they have a poor record in those areas. Thanks to the internet, these facts can be easily discovered. Do not assume that you will get the best insurance rate from the same company that insures your home or RV. A "multi-line discount" may or may not be beneficial for you.
Several factors are used to classify each driver. Some of those factors are:
(a) marital status,
(c) driving record,
(e) former insurance record,
(f) where your vehicle is parked (residence,)
(g) number of miles annually driven
History shows that drivers with particular characteristics are more likely to be in an accident. So the drivers who have those characteristics are charged higher rates.
You can NOT control your age or gender, but you can definitely take responsibility for your driving record and for the type of vehicle you drive.
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