Do I need uninsured or underinsured coverage in Denver, CO?

Drivers in Denver, CO are required to carry certain kinds of coverage in case they are ever in a crash. The main part of the policy is basically a liability portion in case they are ever found to be at fault in an accident that caused injuries and/or physical damage.

But what happens when you are not at fault, and the other party doesn’t have insurance?  Or if the damages caused by the accident cost more than the other person’s policy limits?  That is why Colorado also requires drivers to at least offer uninsured/underinsured motorist protection to their policyholders. 

Your uninsured/underinsured motorist policy will cover medical expenses if someone causes you to be injured but doesn’t have coverage. The amount of coverage will be equal to the amount of coverage you chose for the liability portion of your policy. If you choose higher liability than required, you could potentially benefit from the extra protection.

You can choose to reject uninsured/underinsured insurance, but you must do so in writing. If you do choose not to have the coverage, you will be vulnerable if you are the victim in a crash. 

At Alliance General Insurance Agency, we offer not just uninsured/underinsured coverage, but also coverage for other kinds of risks not covered by the required minimum insurance. Many people choose comprehensive or full coverage so they are protected in case of vandalism, theft, damage caused by weather, and non-vehicle accidents.

Driving in Denver, CO should be as stress-free as possible. If you are worried that you don’t have enough protection, or if you want to see if you can save money on your auto insurance, please feel free to contact Alliance General Insurance Agency today.