What Should I Do After a Car Accident in Denver?

Knowing what steps to take is essential if you’ve just been in a car accident. In the moments following an accident, you may feel overwhelmed and scared. Keeping your emotions in check and taking care of the steps can help you safely get back on the road. Here are some key things to remember if you have recently been in a car accident in Denver, CO.

Step 1: Remain Calm and Check for Injuries 

The first step is to remain calm and assess everyone’s safety. If possible, move your car to the side of the road and turn on your hazard lights. Check yourself and all other passengers for any injuries, no matter how minor they may seem. Call 911 immediately for injuries or significant property damage from the accident. The police can document details of the accident that could help in any future legal proceedings or insurance claims. 

Step 2: Exchange Information and Document Damages 

Both drivers should exchange pertinent information, such as name, address, phone number, driver’s license number, vehicle registration number, and insurance policy information, with each other at the scene of the accident. Take pictures or video of both vehicles and any further property damage sustained during the incident. Get contact information from witnesses who saw what happened before they left the scene. 

Step 3: Contact Your Insurance Company and Seek Medical Attention (If Needed) 

Once all your immediate needs are taken care of at the scene of an accident, contact AFI Insurance as soon as possible so we can start working on your claim immediately. If anyone was injured, seek medical attention as quickly as possible. It could affect your claim if you delayed seeking medical attention, even if you thought the injuries were insignificant.             

Don’t wait until you have an accident in Denver, CO to get the proper coverage. Contact AFI Insurance for peace-of-mind protection against life’s unexpected events.

Required Auto Insurance in Colorado

When you own a vehicle in Colorado, you must have auto insurance. There are specific types of coverage that you must have in this policy. When you call us at AFI Insurance in Denver, CO, every agent knows precisely which types of coverage are required by the state and how much of each is required. Call us when you need an auto policy, and keep driving legally. 

Liability Auto Coverage

The types of coverage required by the state of Colorado are both types of liability coverage. With liability coverage, the bills incurred by the other party are paid for by your insurance policy when you are at fault for an accident that causes damages. There is a required amount for property damage liability, but it’s a low amount when compared with many states. It may be best to get more coverage than the state requires. There are two amounts that the state requires to be in the policy for bodily injury liability. This includes an amount for one person who is injured and a higher amount that is for everyone who is injured. These two amounts can also be raised when you want better coverage than the minimum required. When you have liability coverage, it will also pay for legal defense if you are sued for a covered accident. 

Other Coverage

When you want even better coverage, it’s also a good idea to get comprehensive and collision coverage types. Collision pays for your vehicle’s damage after an accident that’s your fault. Comprehensive pays for other risks to your car that can happen when it isn’t being driven.

Get Your Colorado Auto Insurance

If you’re in Denver, CO, you can call us at AFI insurance to get started with your own policy. 

Four common misconceptions to be aware of regarding auto insurance

The auto insurance policy and coverage amount you carry as a motorist can significantly impact your finances. That’s why it’s so important to be informed appropriately.

At AFI Insurance, we know how important it is for motorists to be aware of common misconceptions about auto insurance. The following are four common misconceptions to be mindful of regarding auto insurance. 

Auto insurance premiums always go up after you file a claim.

When you have auto insurance, it’s essential to use it when necessary. Don’t be afraid to file a claim because you think your premiums will go up. Your premiums shouldn’t go significantly up just because you file one claim or get one ticket on your driving record.  

You can use your general auto insurance policy to cover the commercial use of your vehicle.

You may need to invest in commercial auto coverage if you use your vehicle for commercial purposes. General auto insurance does not typically cover vehicles used for commercial purposes.  

Collision coverage pays off your car loan in case of a total loss.

If you have a loan out on your vehicle, you’ll be required to carry collision coverage by your lender. However, that doesn’t necessarily mean that your insurance will ultimately pay off your loan if your vehicle is destroyed in an accident.

Collision coverage will only compensate you for the current market value of your vehicle at the time of your accident. You may need to pay off your loan out of pocket if you owe more on your car than its current market value. 

You only need to meet state minimum requirements with your insurance coverage. 

It’s best to exceed state minimum requirements for coverage to enjoy enough liability coverage to protect you financially. While state minimum coverage is all you are legally required to have, it’s best to be cautious and invest in added coverage. 

Let us help you explore your auto insurance options in Denver, CO at AFI Insurance. We can provide you with helpful information and policy quotes to find the coverage you need. 

What is included with a Denver auto insurance plan?

The Denver, CO area continues to be a fast-growing part of the country. When you move to this area, you will want to own your own car. If you purchase a vehicle, you should ensure that you get the right insurance coverage. Various types of support can be included when you get a full auto insurance plan. 

Liability Coverage

One type of coverage that anyone in Colorado will have in their auto plan is liability coverage. When you have this type of support, it will give you coverage if you have caused an accident that results in damage. Due to this support’s importance, it is necessary to carry a plan with liability coverage if you want to drive your car anywhere in the state. If you do not, you can be penalized. 

Comprehensive and Collision Coverage

While it is not necessarily required by law in Colorado, many car owners in the state will also want to get a collision and comprehensive plan. With this type of insurance, you will have coverage to replace or repair your car if it is damaged or stolen. This can help to protect your vehicle and investment. Those with an auto loan will typically be required to carry a full insurance plan. 

If you want to invest in a car in the Denver, CO area, it will be vital that you get a proper insurance plan for it. A great way that you can ensure that you do select an ideal plan is by calling the team with AFI Insurance. There are a lot of factors to consider with any insurance plan selection, and AFI Insurance will help you select the right plan for your situation. 

Choosing the right policy to protect your first car

Buying your first car is a very exciting experience and the team here at AFI Insurance is here to help all residents in the greater Denver CO area with all of their insurance needs. Before you buy that car, be sure that you have selected the right policy to protect it!

The right policy to protect your first car

Owning a car is a huge milestone and you will likely remember the day you buy it for many years to come! But, before you drive your new vehicle off the lot, it’s important to take the time to choose the right insurance policy to protect your new investment. 

Outside of a house, a vehicle in many people’s largest purchase. It only makes sense to protect such a substantial investment. Now, the first time you look at your auto insurance options, you may feel very overwhelmed. There are definitely a lot of options to choose from. Luckily, sitting down with a local agent to review these options is an effective way to make this process a lot less stressful.

Be sure that you have the coverage you need. And you may want to consider features like roadside assistance, car rental reimbursement, and safe driver discounts when making your selection. Even though it can be an overwhelming experience at first, it is one that is absolutely necessary. It is also recommended that all insurance policies are reviewed on a regular basis as many times your needs can change.

Give us a call today!

Denver, CO area residents can rely on AFI Insurance for all of their insurance needs. Give us a call or stop by our office today and learn more about the many auto policy options that are available in our area.

What Kind of Vehicle Should I Purchase for My New Teen Driver?

So, the time has come for your teen to start driving. Aside from purchasing sufficient auto insurance coverage from an agency like AFI Insurance, serving the Denver, CO area, you also must take care of the vehicle that you choose for your teen. The vehicle chosen will not only affect how safe your teen is on the road, but it will also have a direct impact on your auto insurance premiums. Here are a few tips as you embark on your teen car-buying journey.

New or Used Car?

While the absolute most advanced safety technology features will be found in newer vehicles, this doesn’t mean that you have to go with a new car. A new car will mean a car payment, so keep this in mind as well. Believe it or not, it is possible to get a used car that has very similar safety features to newer cars. In the end, you should go with what you feel comfortable with after speaking to your insurance agent about the costs associated with insuring a new vehicle. 

Big or Small Vehicle?

Ultimately, it is a general consensus that you should avoid SUVs, trucks, and other large vehicles for your teen driver. This is because these vehicles can be a little more difficult to maneuver, and they’re more susceptible to being involved in a rollover car accident. At the same time, though, you will want to avoid extremely small cars, since compact vehicles have very little protection. In the end, you should opt for a midsize sedan or even an SUV. These will provide plenty of cargo space for a teenager while also being safe and easy to maneuver.

There are plenty of other factors that should be taken into consideration, such as crash test ratings, airbag placement, horsepower, and more. When you’re ready to obtain a car insurance quote, contact AFI Insurance, serving the Denver, CO area.

Auto insurance for your car

As a car owner, auto insurance will already be at the top of your priority list. But did you know that you should be regularly checking that your auto insurance is up to date and that you are still covered for everything you want to be covered for? It is always a good idea to speak with an advisor in case you are missing certain add-ons. 

If you want to discuss renewal or a new auto insurance policy with us, contact AFI Insurance in Denver, CO, and we’d be happy to help. We listed some things to consider below. 

Requirements

If you already have car insurance, you should know what the requirements are for this. In the state of Colorado, you are required to at least have a policy for liability insurance and bodily injury insurance. These policies cover you in the case of an accident, and they cover you and other drivers or passengers. 

Other options

Beyond the requirements, you can choose what you cover and how much. But here are some options for you to consider:

  • Road assistance so that you can always get picked up if you get stuck. This counts for your car as well.
  • Getting towed can be incredibly expensive and add many costs, so to include this in your policies means you are at least financially covered.
  • Accident coverage. As accidents are unfortunately common, it is best to ensure your accident coverage is as good as possible. Make sure to discuss this with your agent.

If you are ready to get an auto insurance policy on a new car or renew your current auto insurance, call AFI Insurance in Denver, CO at your leisure.

Auto Insurance Add-ons to consider

Auto insurance is vital, but regrettably, you will find motorists in Denver, CO operating their vehicles without car insurance. Most car owners in Denver, CO view car insurance as a recurring annual expense. Nevertheless, when unexpected strikes like an accident, it is time they realize how auto insurance is a fundamental tool and add-ons are. At AFI Insurance, we offer outstanding auto insurance blended with add-ons to ensure that Denver, CO drivers are perfectly safeguarded against imminent perils like theft and fire. Below are add-ons you can consider to enhance your auto insurance policy.

Road assistance coverage

Have you ever been stranded on the road with a punctured tire or failed engine in Denver, CO? It can be stressful. Having road assistance coverage eliminates all worries of feeling helpless. This form of coverage offers services such as battery jumpstart, gas delivery, puncture repairs, and minor roadside repairs whenever your car is unfunctional away from home.

Zero depreciation cover

This kind of add-on ensures car owners in Denver, CO gets the entire claim of the repair or replacement cost without factoring in depreciation. Devoid this crucial protection, you might have to cover the difference between the actual cost of repair and the insured value.

Consumable cover

Most consumables such as oil, nuts, and bolts are not catered to by insurance during claim times. Acquiring this form of add-on can save on all those consumables that will get covered no matter how small they seem to be. It extends cover to expenses emanating from consumables that are unfit for future utilization, resulting from damage after an accident.

Engine protection cover

Your car engine is one of the most vital components. This importance warrants a solidified car insurance for your engine. This coverage is very instrumental if you reside in areas that experience heavy downpours. Engine damage is likely to crop up when you start your car with a wet engine. Standard auto insurance coverage doesn’t protect against engine damage; therefore, engine protection cover salvages you from damage costs for your engine.

Do you need auto insurance in Denver, CO? Don’t look beyond AFI Insurance. Please call or visit our offices in Denver, CO. Our agents will help you customize auto insurance enhanced with add-ons that match your needs and budget.

What Auto Insurance Do Denver CO Drivers Need?

When you get into a car accident while driving around Denver, CO, you need to have car insurance, otherwise you could be breaking the law.

In Denver, drivers are required to have liability insurance that will cover bodily injury to another person or property damage to another individual’s property or vehicle. You are required to carry a minimum amount of liability insurance:

For bodily injury or death to one person in an accident: $25,000
For bodily injury or death to all person in one accident: $50,000
For property damage in one accident: $15,000

But, just because liability insurance is the only insurance you are required by law to carry, that doesn’t mean it’s the only insurance you should consider. There are several other options that will further protect you, your passengers and your property. 

For example, it is always a good idea to purchase uninsured/underinsured motorist coverage. This option will ensure that if you are in an accident with a motorist who does not have insurance that you and your car will be covered for any damages.

The next option you will want to consider as a driver is comprehensive and collision coverage. This insurance protects you against other damages to your vehicle outside a crash or accident. This can include damage sustained by bad weather It also protects you should your car be involved in a rollover.

Selecting the right insurance is an important decision for any driver. If you have questions or are interested in learning more about your options, contact AFI Insurance in Denver, CO for more information. Our experienced team of agents can put together the best plan to meet your needs.  

Do I need auto insurance in Denver?

The Denver, CO area is a popular place for people to live. This is a large city that also has access to the Rocky Mountains and all of the activities that come along with them. To enjoy the city and mountains as much as possible, you should get your own car. Along with the purchase of a vehicle here, you will also need to get an auto insurance plan. There are many reasons why you need to get an auto insurance policy when you are here. 

Insurance Protects Car

A key reason that you need to get auto insurance is that it can protect your car. Those that buy a car in Colorado will be making a big investment that needs to be protected. With a full collision and comprehensive plan, you will have the auto insurance coverage necessary to repair or replace your vehicle. This coverage will also be required if you have taken out an auto loan.

Insurance is Required by State

You will also need to get an auto insurance plan to drive your car in Colorado. Similar to rules that are set in other states, all drivers in Colorado are required by law to carry liability auto insurance. When you have this coverage, you will have the financial resources necessary to pay for any damages that you caused during an accident.

Those that would like to get an auto insurance plan in the Denver, CO area should call AFI Insurance. Picking auto insurance is never easy and AFI Insurance can help you get into a plan that is right for your situation. The team is able to do this because they spend time assessing your situation to figure out what your specific needs are when it comes to coverage.