Whether it’s an accident or a crisis like a tornado, coverage depends on your insurance policy’s level of protection. Auto insurance policies in Colorado Springs, CO offer various levels of coverage, ensuring you aren’t financially responsible for replacing a totaled car.
Liability Coverage
Many states require minimum liability coverage, which covers the other party’s damages and bodily injury if you’re found at fault for an accident. Liability policies meet Colorado’s requirements, which include:
- $25,000 for bodily injury or death to any one person
- $50,000 for total bodily injury or death to all persons
- $15,000 for property damage to another party’s property
Policies often include underinsured/uninsured motorist coverage as well. It’s important to speak with an agent at Westco Insurance LLC to determine whether this coverage is included or offered as an add-on, as it’s not legally required in Colorado.
Collision Coverage
Collision coverage pays for damage to your vehicle if you’re in an accident with another vehicle or object, such as a telephone pole. It doesn’t matter who is at fault for the accident. Some insurance companies include hitting an animal under collision coverage, while others categorize it under comprehensive policies.
Comprehensive Coverage
Comprehensive coverage protects your vehicle from damage caused by various events, including:
- Vandalism
- Fires
- Theft
- Certain natural disasters
- Hitting an animal
If you live in an area where hitting an animal is a concern, always confirm with an agent whether this is covered under a comprehensive policy.
Additional Coverage Options
Insurance companies also offer add-ons to ensure you’re covered in various situations. Roadside assistance can include services like changing a flat tire or providing gas if you run out. Some policies may also cover rental car expenses under specific conditions.
At Westco Insurance LLC, we understand the importance of obtaining the right coverage level. Our experienced agents will work with you to find a policy that meets your needs. Contact us today to learn more. We proudly serve the Colorado Springs, CO area.
