Fort Collins Auto Insurance

Fort Collins Auto & Home Insurance

FIND THE CHEAPEST RATES FOR YOUR AUTO & HOME INSURANCE NEEDS

What Coverages are Required by the State of Colorado?

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 Fort Collins, the auto insurance policy would pay up to $25,000 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.

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.

Protect yourself with the right amount of insurance and take to the road with confidence.

Graph details insurance rates in Fort Collins, Colorado

Additional Liability Coverages Available

Additional coverage’s include, but are not limited to, uninsured motorist bodily injury protection, uninsured motorist property damage protection, medical pay, 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 Fort Collins, Colorado.

Medical Pay goes out for you and per person in your vehicle for Medical payments irregardless of who causes the accident. Generally up to $5,000 companies offer.

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.

Rental Reimbursment would come in handy if your vehicle were to be out of commision and you needed a vehicle to drive. Roadside would also be nice to have if you were to be brokend down on the side of the road and needed assistance with a flat tire, no fuel, or were to be in an accident.

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A Plus Insurance
107 E Harmony Rd #A107
Fort Collins, CO 80525-8891
(970)-672-1243