What auto insurance coverage is required in Colorado

Driving is a privilege that, as Americans, we take for granted. If you live anywhere, but in a large city, you probably have limited public transportation access, making your own vehicle necessary. With a vehicle come requirements such as upkeep and state-mandated insurance coverage. Pikes Peak Insurance Agency in CO is locally owned and operated and has been serving this area of Colorado for 15 years.

Colorado requires you to carry liability insurance. Liability protects the other driver in an accident where you are the at-fault driver. Liability insurance helps to pay for the medical bills of someone injured, but it also allows payment for a pain and suffering suit and damage to personal property. The dollar amount of insurance residents must carry $25,000 for the injures of one person with up to $50,000 for any single accident with multiple injuries and $15,000 for the property damaged.

This is fundamental coverage, as anyone who has been to an emergency room can tell you, especially if a legal case is filed against you. The property limit is also not enough to replace a new car. While you may not need to have more coverage legally, you may very well want to add additional coverage to protect yourself.

If you are leasing a vehicle or have a car loan, you will need to have additional insurance required by the lessor or lender. They need to protect your vehicle, which they have a vested interest in.

When you are looking for an independent insurance agent who will be there for you today and when you need to file a claim, Pikes Peak Insurance Agency in CO is the one to consider. Please stop into our office or give us a call to get a no-obligation quote.