In Colorado insurance coverage generally follows the vehicle not the driver. This means that if you let someone else borrow your car that person is usually covered by your insurance policy. There are a few exceptions to this rule however. If the person borrowing your car is not a named insured on your policy or if they are a licensed driver but live in your household your insurance company may refuse to pay any claims that arise from an accident that they cause. In addition if you lend your car to someone who then uses it to commit a crime your insurance company may refuse to pay any damages that result.
If you are in an accident does insurance follow the car or the driver?
Answer: In Colorado insurance follows the driver not the car.
Who is typically covered under a standard auto insurance policy?
Answer: A standard auto insurance policy covers the named insured any family member and any other driver with permission to use the car.
Are out-of-state drivers who are involved in an accident in Colorado required to have insurance?
Answer: Yes all drivers involved in an accident in Colorado are required to have insurance.
If you are hit by an uninsured driver can you make a claim against your own insurance company?
Answer: Yes you can make a claim against your own insurance company if you are hit by an uninsured driver.
If you are hit by a driver who flees the scene can you make a claim against your own insurance company?
Answer: Yes you can make a claim against your own insurance company if you are hit by a driver who flees the scene.
What is the minimum amount of insurance required in Colorado?
Answer: The minimum amount of insurance required in Colorado is $25000 per person/$50000 per accident for bodily injury and $15000 per accident for property damage.
What is PIP insurance?
Answer: Personal Injury Protection (PIP) insurance is no-fault insurance that covers medical expenses and in some cases lost wages and other damages.
What is UM/UIM insurance?
Answer: Uninsured/underinsured motorist (UM/UIM) insurance covers damages to your car and injuries to you and your passengers caused by an uninsured or underinsured driver.
Will my rates go up if I make a claim?
Answer: Whether or not your rates will go up after you make a claim depends on your insurance company and the state you live in.
Do I need to have my car inspected before I can get insurance?
Answer: No you do not need to have your car inspected before you can get insurance.
Will my insurance cover me if I rent a car?
Answer: Your insurance will not cover you if you rent a car.
Will my insurance cover me if I use my car for business purposes?
Answer: Your insurance will not cover you if you use your car for business purposes.
I just moved to Colorado.
How long do I have to get insurance?
Answer: You have 30 days to get insurance after you move to Colorado.
I just bought a car.
How long do I have to get insurance?
Answer: You have 10 days to get insurance after you buy a car.
I’m not going to be driving for a while.
Can I cancel my insurance?
Answer: Yes you can cancel your insurance if you are not going to be driving for a while.
