Protect yourself against uninsured motorists. Although 49 states legally requiring drivers to have auto insurance many people remain uninsured.

Auto insurance can protect you from someone else, if you have certain coverages (for example, underinsured and uninsured motorist.) Some people waive these coverages due to costs. Some states, however, have programs to assist lower-income drivers.

To find out potential auto insurance premiums for the state of Colorado you can visit Auto Insurance Premiums Report.

A basic auto insurance policy can include:

Bodily Injury Liability Coverage - This applies to injuries that you cause to someone else. Members of a household listed on the policy are also covered when driving someone else's car with their permission;

Medical Payments Coverage - This coverage can pay for treatment of injuries to the driver and passengers of the policyholder's car;

Property Damage Liability Coverage - This coverage can pay for damage that an operator of your vehicle may cause to someone else's property;

Collision Coverage - This coverage can pay for damage to your car resulting from a collision (whether with a car or other object such as a tree). This coverage is generally sold with a separate deductible;

Comprehensive Coverage - This coverage can reimburse you for loss due to theft or damage cause by something other than a collision with another car or object. It can cover evens such as fire, earthquake, hail, flooding, etc. In some instances it can also pay to repair your windshield if it is cracked or shattered. This coverage is also usually sold with a separate deductible;

Uninsured and Underinsured Motorist Coverage - This coverage can reimburse you or a designated driver of your vehicle if you are hit by an uninsured driver or a driver who does not have sufficient insurance coverages to pay for your total loss (see below for additional information).

Difference between Uninsured and Underinsured Motorist Coverage:

Uninsured Motorist (UM) insurance - This coverage can pay you and your passengers' medical bills if you are involved in an auto collision where the uninsured motorist is at fault. Uninsured motorists can occur in a variety of situations such as where the at-fault driver did not have insurance, or if the collision was a hit and run. UM can also reimburse you and your passengers for lost wages, as well as non-economic damages.* UM coverage can kick in if you are hit as a pedestrian or are involved in a hit-and-run collision;

Underinsured Motorist (UIM) protection - This coverage can, in some instances, cover the full extent of damage to you and your vehicle if the at-fault driver has liability insurance, but the policy limits are too low. For example, if you are involved in a serious collision and have injuries and damages that accrue to $100,000+, but the at-fault party's insurance limits are only $25,000 there is still $75,000+ that you can be owed in compensation.

For assistance with an auto collision claim, it is highly suggested that you hire an attorney to help make sure you are fully compensated for your injuries and damages.

Contact Travis Legal Offices, LLC today for a FREE consultation. 

*Many insurance companies may argue with you as to what non-economic damages you can be reimbursed for. It is important to have an experienced attorney help you navigate these situations. 

_{Insurance Information Institute (2023). Protect yourself against uninsured motorists. https://www.iii.org/article/protect-yourself-against-uninsured-motorists}

_{Insurance Information Institute (2023). What is covered by a basic auto insurance policy?. https://www.iii.org/article/what-covered-basic-auto-insurance-policy}

_{Colorado Department of Regulatory Agencies: Division of Insurance (2023). Auto Insurance Premiums Report. http://www.dora.state.co.us/pls/real/Ins_Survey_Reports.Report_Selection_Criteria?p_report_id=AUTO&p_label=}