Fort Collins Auto & Home Insurance
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Cheap Car Insurance Fort Collins, Colorado
With every season the need for auto insurance rears its ugly head. Summer means more people paying less attention to the road; fall means rain and wet leaves flying around in the air just waiting to land on your windshield; winter means ice and snow and hazardous road conditions; spring means rain, rain, rain. But figuring out what kind of auto insurance you need can be hard to do.
Here are some of the coverage types you should explore:
Bodily Injury Liability
This type of coverage will cover the expenses incurred that relate to the injury or death of another driver or a pedestrian when an accident is your fault.
Property Damage Liability
This type of coverage will cover the expenses related to the damage of another person’s property, including homes, buildings, and/or vehicles, when an accident is your fault.
Comprehensive & Collision Coverage
Pays for your vehicle regardless of who is at fault. Weather in Fort Collins Colorado means hail damage. Comp. covers hail damage
This type of coverage will cover medical expenses if you are in an accident and the other driver is at fault and doesn’t have car coverage. This type covers both bodily and property damage.
Protect yourself with the right amount of insurance and take to the road with confidence.
First and foremost, Colorado is considered an at-fault state. This means that the person who is deemed to be at fault in an accident is the person who is held liable for the damage. Liability helps protect other people from you as the driver. The basic coverage is typically a split limit liability policy broken down into two sections: Liability for bodily injury, and liability for property damage. The liability for bodily injury is also divided further into two separate sections: Bodily injury per person, and bodily injury per accident. The state minimum liability limits for Colorado are shown in an auto insurance policy as 25/50/15. Numerically speaking those number represent up to $25,000 per person in bodily injury protection, up to $50,000 per accident in personal injury protection, and up to $15,000 in property damage protection. For example, if you were to cause an accident and you were carrying the state minimum liability limits for Denver, the auto insurance policy would pay up to ,000 per person. It will also restrict the maximum to $50,000 per accident if you damage multiple people for the bodily injury. Please keep in mind that this is not medical coverage for you, it is for the individuals in the car or vehicle you hit.
Vehicle Liability Insurance Denver
Your car insurance would also pay up to $15,000 per accident for property damage you caused to other items that do not include your vehicle. If you cause more damage in an accident exceeding the liability limits you have set, then you as the driver would still be held liable for the damage that was not covered by the policy that you have set in force. For this reason, you may elect to spend a little bit more and choose a policy that has increased limits of liability that are above the state minimum to help distance yourself from any liability you may cause in an accident. Once you have the liability limits established by your insurance policy, then you can add additional coverage to help extend your protection while driving on the roads in Colorado.
Some of these additional coverage’s include, but are not limited to, uninsured motorist bodily injury protection, uninsured motorist property damage protection, comprehensive coverage, collision coverage, rental reimbursement, roadside assistance , and lease loan payoff.
The uninsured motorist protection options will help protect you from other drivers who may hit you in an accident, they are at fault, but are not carrying an active policy for Denver Colorado. Comprehensive and collision coverage are the elements that help form what people commonly refer to as full coverage insurance. Comprehensive will help protect the vehicle from resulting damage not caused by an accident such as theft, fire, vandalism, glass, etc. Collision coverage is what helps protect your vehicle damage in the event of an accident – even if you are the one, who is at fault. Comprehensive and collision coverage are usually associated with a deductible.
At A Plus, we help offer advice and guidance when choosing what type of insurance best suits your needs. That includes Sr22 insurance quotes. Please contact one of our agents today via phone or online. 303-355-2337. Just as our website indicates, we are here to help and serve our clients.
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