Driving in Colorado comes with a certain degree of risk, thanks to steep mountain roadways, snowstorms and other common hazards, but one of the riskiest aspects of driving in Colorado involves its high percentage of uninsured drivers. At the Law Offices of Cliff Enten, we understand that not everyone follows state laws regarding auto insurance requirements, and we have assisted many people who suffered injury in accidents with uninsured drivers seek appropriate recourse.
Per CarInsurance.com, 13.3 of all drivers on Colorado’s roadways in 2017 did not have insurance, despite the fact that current laws mandate that all drivers have coverage. What, exactly does this mean for you, should you collide with one of them and injure yourself? That will depend to some degree on the type of insurance policy you personally have in place, but it does not necessarily mean you are out of luck.
While state laws dictate that you must have property damage and bodily injury coverage on your auto insurance policy, you can also secure uninsured/underinsured motorist coverage that can help protect you in the event of an accident. This type of coverage can benefit you in that if can go toward medical bills and, potentially, other damages following an accident with an uninsured, or underinsured, driver.
Depending on the specific circumstances of your accident and the details of your insurance policy, you may also be able to pursue compensation from the negligent party, even if he or she does not have auto insurance. More about your options after an accident with an uninsured or underinsured motorist is available on our web page.
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