Most people who drive in Colorado know that carrying some level of automobile insurance is required by law. Unfortunately, however, even while this is the law many people still make the choice to drive without having this protection. It is important to understand how car insurance protects not just anyone you might hit but how it also protects you. Additionally, if you are hit by a driver who does not have insurance, you will want to know what type of rights you have.
As explained by esurance, people who use the cost of insurance as a way to rationalize not carrying it can all too quickly find out that the cost of not carrying insurance can outweigh the insurance price by a great amount. Imagine for a moment that an uninsured driver hits your car. All of a sudden that person must themselves pay for repairs to their vehicle, repairs to your vehicle and medical costs associated with any injuries sustained by persons in either vehicle.
In addition, you may choose to initiate legal action against the uninsured driver, especially if you face additional costs related to the loss of work or if your injuries are complicated or severe. This is a right that anyone hit by an uninsured driver has. People who go uninsured for a while and then choose to purchase insurance may also find that their initial rates will be higher because of their previous choice to be uninsured. ,
This information is not intended to provide legal advice in any form but is instead meant to give residents or others who drive in Colorado an overview of the potential implications of driving without active automobile insurance.
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