Denver, CO is a challenging city to drive in, there is no other way to describe it. With about 20 cities that make up the Denver metro area, you will have a lot of company anytime you are on the road which is a shame since the views of the mountains are quite spectacular. When it comes to why I need to carry collision and comprehensive insurance AFI Insurance is here to help you by answering any question you may have about your current coverage or coverage you are considering.
The most obvious answer to the question of do I need to carry collision and comprehensive insurance is yes if you have a loan on your vehicle or are leasing a vehicle. The DMV in Colorado only requires that you carry liability insurance to protect other drivers from you but they do not require that you protect your own vehicle.
Collision insurance covers the repair and replacement of your vehicle damaged in an accident with another vehicle where you are at fault. If you are driving an old car with little value, then you probably don’t need to carry collision coverage. If however, repairing or replacing your vehicle would be a financial hardship for you, having collision coverage may be worthwhile.
Comprehensive coverage is for damage that is caused by something other than a collision with another vehicle. Glass coverage is usually part of your comprehensive insurance and one of the main coverages is theft. If your vehicle has value and is stolen, there is no guarantee that it will ever be recovered. If it would be hard to replace your vehicle, you may want to consider getting this coverage.
Whether you are a new driver or an experienced pro, we have the information that you need. Give AFI Insurance a call or stop by our Denver, CO office and let us give you a no-obligation quote.