As a resident of Denver, CO, you might know the state’s mandatory liability law on automobile insurance. While Colorado requires every vehicle in regular operation to have liability insurance, this is not the only insurance available to local drivers. Alliance General Insurance Agency wants our readers to know the many options available to you today.
Liability Coverage
This is the minimum required to drive legally in Colorado. Liability insurance covers bodily injury and property damage to another person in an accident where you’re determined to be at-fault. There is a specific amount of coverage you must have to meet the legal limit, but you can purchase more than the minimum liability amount. It does not provide compensation to you after an accident, whether or not you caused the accident.
Uninsured / Underinsured Coverage
When an uninsured driver causes an accident that harms you or your property, this coverage kicks in to help pay for those expenses. When the other driver has insurance, but their policy limit isn’t enough to cover your medical bills, underinsured coverage can make up the difference.
Comprehensive Coverage
This type usually covers damages caused by natural events such as fire or hail, or the acts of other individuals like vandalism or theft. Your policy will list the potential covered perils. When your vehicle suffers damage by such perils, comprehensive coverage can help pay for repairs or replacement of the vehicle.
Coverage for Everything Else
These are just a few examples of the policies available to drivers in the Denver, CO area. There is coverage for virtually any peril or vehicle type out there. From rare classic cars to hard-working utility trucks, Alliance General Insurance Agency has a policy that’s right for you!
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