The state of Colorado requires all registered vehicles and drivers to have auto insurance. Out of state insurance will not be enough. Typical insurance coverage requires bodily injury liability, property damage liability, and uninsured or underinsured motorist coverage. Some additional features that need to be considered include medical payment coverage, collision coverage, and comprehensive coverage. It is important to understand what these different components of the auto policy actually mean.
Bodily injury liability provides coverage for situations in which an accident caused by you causes someone else to be injured. Property damage provides coverage to any damage done to the property of someone else. The underinsured or uninsured, as the name suggests, means coverage against an accident with someone who does not have enough or any insurance. Typically, the amount of coverage of this matches the coverage for bodily injury coverage. Collision coverage is used when your vehicle is in an accident that is your fault. That collision doesn’t necessarily have to be with another car. It could be a collision with anything. Comprehensive coverage is when the vehicle is damaged in an incident that was non-collision related. This could be a fallen tree or hail. Keep in mind that most auto insurance will have a deductible, that is the amount you have will have to pay before the policy kicks in.
While the state enforces certain minimum requirements, it is recommended that vehicle owners consult an experienced insurance provider that can guide you to best-suited policy. The key to a good insurance policy is to find an insurance agency that cares about their customer and makes an effort to find a personalized solution for the client. AmPro Insurance, LLC in Colorado Spring, CO has your vehicle covered. We are a well-reputed and certified insurance agency serving Colorado Spring, CO, and the surrounding areas. Get in touch with Ampro Insurance, LCC now.