Every state in the U.S. has different requirements for who needs auto insurance as well as the minimum amount of coverage you should carry. In Colorado, everyone who has a driver’s license and access to a vehicle should have insurance in order to drive. Insurance agents are your best bet to know exactly what you need when it comes to auto insurance. At AFI Insurance, you’ll be able to get information that you need about liability insurance coverage.
Liability Coverage
It seems that younger drivers tend to cause more accidents, but anyone can have an accident no matter what age you are. If you have liability coverage, then you’ll be protected if you cause a car accident. In Denver, CO, you must have liability insurance on your vehicle. There are several different types of liability coverage. There is general, bodily injury, and property damage liability.
- General liability – covers you if you cause an accident.
- Bodily injury damage – protects you from financial responsibilities if you injure someone while you are driving.
- Property damage liability – keeps you from paying out thousands or more from damages that you caused to someone else’s vehicle or property.
Other Types of Coverage
There are additional insurance coverages that you can secure for you and your vehicle.
- Uninsured/underinsured motorist – if someone injures you, your medical bills, vehicle repairs could be covered if that person doesn’t have insurance or doesn’t have enough to cover the cost for repairs.
- Comprehensive coverage – covers the damage to your vehicle that is not related to a driving accident, such as vandalism, theft, or fire damage.
- Collision coverage – could pay for damage to your vehicle if you hit another object, such as other vehicles, poles, or mailboxes.
Talk to an agent about liability limits and other coverage you may need for your vehicle in Denver, CO. At AFI Insurance, their staff can help you get started with your auto insurance policy.
