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Colorado Auto Insurance Explained

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In Colorado, people injured in a car crash have potential claims against the driver who is at fault. Colorado law requires vehicles that operate on Colorado roads be insured, and that drivers also be insured. The minimum required by Colorado law is $25,000 per CRS 42-7-103 (2).

Drivers in Colorado are required to have proof of insurance whenever operating a vehicle on Colorado roads or highways, per CRS 42-7-103 (6.5) (a), such as an insurance card or auto liability policy that is current.

Drivers should exchange information, and take photos (cell phone cameras are handy and work nicely) of the other driver's license and insurance card or policy. Photos should also be taken of the damage to BOTH vehicles.

The Police should be called for proper documentation of the collision. The name, address and telephone number of all witnesses should be obtained immediately, especially regarding who is at fault for the collision.

In Colorado, injured people make a claim against the at-fault driver, typically by providing information to their insurance company, like the police report, ambulance report, medical treatment records and bills, and other information that helps with the evaluation of the claim.

If the other driver had no insurance, then a claim is made first through the insurance on the car in which the injured person was in, then through the auto insurance of the injured party, under the Uninsured/Underinsured Motorist coverage protection in their own policy.

Uninsured Motorist protection is coverage for the injured party when the at-fault driver has no insurance. Underinsured Motorist protection is when the at-fault driver had insurance, but not enough insurance to cover the medical bills and injuries of the injured person. This coverage is often referred to as UM/UIM coverage, is not mandatory, and costs extra, but is well worth the investment for people injured by drivers with no insurance, or too little insurance.