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• CO Auto Insurance
• Colorado Insurance Laws

Information About Colorado’s Mandatory Liability Insurance Laws

Colorado – FAQ About Insurance Laws

The Colorado Department of Insurance has a lot of information pertaining to the minimum amount of automobile insurance required by drivers. It states that the minimum amounts required by Colorado law is as follows:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $15,000 per accident for property damage

The CO Department of Insurance also has a lot of answers to commonly asked questions. Here are the answers provided:

• Where can I get Un-insured or Under-insured motorist coverage for my vehicles?
• Who is covered when this additional insurance is purchased?
• Am I already covered by my collision and comprehensive automobile insurance?
• What is liability insurance?
• If I’m involved in a one-car accident, can the “under-insured” provision be applied?
• Can I purchase un-insured or under-insured motorist coverage as a stand-alone policy ?

Where can I get Un-insured or Under-insured motorist coverage for my vehicles?

All insurance providers in Colorado must offer un-insured/under-insured motorist coverage as
optional coverage on a new or renewal automobile or motorcycle policy. If you reject optional
uninsured motorist coverage, you must do so in writing.

The minimum amount offered must be at least equal to the insured’s “bodily injury liability limits” in
the primary policy. Ask your insurance agent for information about adding this coverage to your
policy or increasing the amount of coverage.

Who is covered when this additional insurance is purchased?

• the policy holder
• other drivers covered by the policy
• passengers, in some circumstances

Check your policy or contact the Colorado Division of Insurance for additional information.

In some instances, a passenger involved in an accident, (who owns an insured vehicle that is NOT involved in the accident, but which carries uninsured motorist coverage), may be covered under the passenger’s own policy if other
coverage does not apply.

Am I already covered by my collision and comprehensive automobile insurance?

No. Collision insurance pays for damages to your car when caused by collision with another vehicle or object. Comprehensive insurance protects you against damage to your own car from such perils as fire, theft, glass damage, windstorm, flood, vandalism and other causes. Un-insured and Under-Insured Motorist coverage can be purchased so it is available to help with medical payments and other losses should an “at-fault driver” not carry enough insurance to cover all damages and recovery.

What is liability insurance?

Liability insurance is coverage for bodily injury you cause to another person or for property damage
you cause to another’s property through negligent operation of your vehicle. Liability insurance also
affords coverage if the accident was caused by a member of your household driving your vehicle or
by a person using your vehicle with your permission.

If I’m involved in a one-car accident, can the “under-insured” provision be applied?

No. Under-insured coverage “fills the gap” between an at-fault motorist’s insurance limits and your liability limits. In a single-car accident, losses cannot exceed the maximum limits on your policy.

Can I purchase un-insured or under-insured motorist coverage as a stand-alone policy ?

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