Colorado auto owners with auto insurance coverage

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Auto Insurance Coverages

Auto Insurance

It is a requirement for every driver in Colorado to carry an auto insurance policy. In the event of an auto accident that results in injuries to other people or damage to property, the driver will be protected financially. A Zoila's Insurance offers minimums for liability coverage that drivers are obligated to carry. We do suggest going above the minimum requirements though.

Colorado Auto Insurance Requirements

Colorado was a "no-fault" state until 2013. This meant that drivers could collect compensation from their insurance companies regardless of the degree of fault for the car crash. However, it switched to a tort state so as to reduce the cost of insurance premiums and prevent claims abuses. The amendment also helped to shed restrictions on losses such as pain and suffering. Therefore, drivers must establish fault to insurers like A Zoila's Insurance under the current system before an insurance company pays the claim money.

Types of auto insurance coverage

  • Bodily Injury- This coverage applies when an auto accident involves an injury or the death of another person. It is crucial for policyholders to consider what they can afford before deciding on the coverage amount.
  • Property Damage- This coverage helps a policyholder to pay for damages done to other people’s properties. In other words, it covers you when you cause damage to buildings or other physical properties.
  • Uninsured/Underinsured Motorist Coverage- It covers you when you are involved in an auto accident with a driver who is not insured or is underinsured. Insurance companies offer an amount that is the same as the bodily injury limits.
  • Collision – This coverage comes in handy when you want to pay for damages caused to your car by hitting other objects. If you are at fault in an accident, liability will not pay for repairs to your vehicle. A collision policy will be needed to get assistance from the insurance company.
  • Comprehensive – This coverage is designed for non-accident-related incidents or other events such as extreme weather damages or theft.

Attempting to avoid the auto insurance minimum coverage requirements is a risky approach. Instead, it is wise to think about how to expand your coverage. For more information about auto insurance requirements in Colorado, contact us by phone or visit our office. We can help you get a quote.

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