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uninsured/underinsured motorists accidents Archives

Why does car insurance matter?

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.

Correlation between uninsured drivers and increased risk

Every driver is subject to risk of property damage or personal injury on the road. Most drivers, however, can secure a degree of protection from the economic effects of damage by obtaining adequate insurance coverage. Uninsured and underinsured motorist polices cover individuals whose injuries are caused by a driver with no insurance or whose insurance is insufficient to cover damages. While UIM insurance is not required by Colorado law, it may be especially important for Coloradans considering the high number of uninsured drivers on the road.

Colorado's uninsured motorist problem

If you are like most people in Colorado, you pay for and carry current insurance on any motor vehicle that you own or lease. You may do this because you know it is legally required and because you know it is the smart and right thing to do. Auto insurance protects you, anyone in your vehicles and any other person who may ever be involved in an accident with you. Sadly, not everyone in Colorado is quite as responsible.

Understanding uninsured and underinsured insurance

Colorado residents who want to make sure that they are adequately protected in the event of an accident should take the time to have an understanding of all types of automotive insurance available to them. This includes not just standard liability, collision or comprehensive coverages but also uninsured motorist coverage and underinsured motorist coverage. While the names of these two options are similar, they are distinctly different.

What auto insurance is required in Colorado?

If you are like many Colorado residents, you may often wonder just what types and how much automobile insurance you really need. To some extent, your insurance requirements can be influenced by your personal financial situation and your ability to pay for damages or medical costs if an accident happens. There are also laws that mandate certain levels of coverage that you must carry at a minimum. Just what are these requirements?

How does Colorado track uninsured motorists?

As in every other state, drivers and vehicle owners in Colorado are required to purchase and carry active automobile insurance when driving. The state outlines basic minimum levels of insurance that every driver must meet. Individuals are able to select insurance coverage beyond these minimums at their discretion. The reason for such a law is to protect you from unnecessary financial loss in the event of an automobile accident.

Uninsured and underinsured auto insurance in Colorado

Even the most minor automobile accident can put a wrinkle in a Colorado driver’s day. Beyond just the hassle at the scene and time of a crash, challenges can grow quickly when it is discovered that the at-fault driver does not have insurance. Even if the driver responsible for the wreck is insured, if the level of coverage carried is not sufficient to take care of any damages or costs, more problems will surface. What can a person do in these circumstances?

Making a case for uninsured motorist coverage

It’s not uncommon for Denver clients to come to us here at The Law Offices of Cliff Enten after having been involved in car accidents with drivers who do not have insurance. Despite the fact that Colorado has laws in place in the require motorists to carry a certain amount in insurance coverage, many still drive without it, or carry only a bare minimum in coverage that may not offer enough in terms of compensation to cover the full amount of accident injury or damage expenses. If you drive in Colorado, then you may want to give extra consideration to including uninsured or underinsured motorist coverage in your auto insurance policy.

What happens when you return to work after workers' comp?

Let's say that you get injured while at work, or you suffer some medical setbacks that are a direct result of your job. You will very likely receive workers' compensation benefits as a result of either of these unfortunate incidents. Obviously, this is a needed benefit for people who are unable to work.

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