Tag: auto

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.

If you drive a car in Colorado, you are legally required to have auto insurance. You might have questions about choosing the best insurance policy for your needs. If you live near Colorado Springs, CO, our team at Westco Insurance LLC encourages you to discuss your insurance options with us. We’ve been working with drivers like you since 2017.

Auto Insurance When Renting a Car

You might wonder whether you need to buy auto insurance when you’re renting a car. According to Bankrate, since every car on Colorado’s roads must be covered by insurance, you’ll need to get auto insurance for your rental car. The same website reminds us that if your personal auto insurance provides full coverage, that policy may include coverage for a rented car. However, some auto insurance policies may have gaps in their coverage, which could leave you vulnerable if you have a car accident with your rental car. 

According to the National Association of Insurance Commissioners, rental car agencies offer several types of auto insurance. The most crucial of these is liability insurance, which covers bodily injuries to others who might be hurt in an accident. Property liability covers expenses if the property of others is damaged. The other component of liability insurance is uninsured motorist insurance, which protects you if you are hurt in an accident by a driver who has no auto insurance. 

Call Us for an Appointment 

Don’t make the mistake of driving without auto insurance. Our team at Westco Insurance LLC will help you find the right auto coverage at an affordable price. Clients in the Colorado Springs, CO area have learned that we provide great customer service. Call us for an appointment, and let’s get you safely on the road.