All You Need to Know about Uninsured/Underinsured Motorist Coverage in Colorado

In Colorado, it is optional for motorists to buy uninsured motorist coverage or underinsured motorist coverage. As a consumer, you can decide whether you want this additional coverage, although Denver car accident lawyer recommend that you buy this additional coverage.

Remember, there are large numbers of uninsured and underinsured motorists in Colorado. If you are involved in an accident with one of these motorists, you could face challenges regarding compensation. There are large numbers of motorists who have only the very basic minimum insurance, or are driving around even though their insurance has lapsed. Additionally, there are thousands of people driving around with absolutely no insurance at all.

Learn what you can do if you are involved in an accident with one of these motorists.

The most effective protection that you have against uninsured and underinsured motorists is uninsured/underinsured motorist coverage, to cover damages. These policies are not available as standalone policies, and are provided as an addition to your existing automobile insurance policy. You can buy uninsured or underinsured motorist coverage protection that is equal to your bodily injury liability coverage. The minimum liability insurance required under Colorado law is $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $50,000 per accident for property damage. Denver car accident lawyers recommend that you purchase higher amounts of insurance because these are just the very basic minimums that are required under the law.

If you’re involved in an accident with an uninsured motorist, then your uninsured motorist coverage will kick in to cover expenses. If you are involved in an accident with a motorist, whose insurance is not sufficient to cover the cost of your damages, then you can seek damages under your underinsured motorist coverage. Speak to a Denver car accident lawyer for help filing a claim after an accident.

By: Dallas Norton

Dallas Norton, the founding partner of Norton & Bowers, has practiced law with a focus on personal injury since 1992. Mr. Norton has extensive Colorado roots including grade school in Arvada and high school in Denver. He earned his J.D. from Brigham Young University Law School in 1991. When working on behalf of clients, Mr. Norton draws upon his extensive background in psychology and human resources.