Colorado Car Insurance
Car Insurance » Colorado
Driving a car in the state of Colorado can be a treacherous ordeal. Many roads cover difficult terrain, which is made even more hazardous by snowy weather. Given the many risks of driving in Colorado, it is understandable that the state requires all drivers to invest in car insurance.
One of the main requirements for Colorado auto insurance is known as the 25/50 rule: drivers must have $25,000 in coverage per person and another $50,000 per accident for bodily injury liability coverage. Bodily injury provides coverage in case a driver injures another driver in a car accident.
Drivers in Colorado must also purchase $15,000 in coverage for property damage liability. This type of coverage pays for damages in the event of an incident that damages somebody else's property. Typically, this coverage is paid out in car accidents, but it can also apply to garages, mailboxes and other types of property.
Certain drivers choose to disregard Colorado insurance laws, which is why many people opt to invest in uninsured motorist coverage. Uninsured motorist coverage pays for damages caused by drivers lacking sufficient auto insurance. As in bodily injury liability, the 25/50 rule is standard for uninsured motorist coverage. Drivers may opt out of uninsured motorist coverage if a written request is provided.
Colorado's insurance coverage rules provide a basic minimum level of automobile insurance to which all drivers must adhere. Many people choose to obtain insurance above and beyond these levels in order to ensure complete peace of mind on the road.
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