Importance of Having Auto Insurance in Englewood, CO

Residents of Englewood, CO will definitely want to have quality auto insurance coverage for several reasons. Car insurance is legally required by the state of Colorado, and this law exists for the protection of both the driver and the other people that you are sharing the roadways with. Here are the top three reasons why having auto coverage is so essential in this area.

It’s the Law

The law does require drivers to carry several different types of auto coverage, including:

  • Bodily Injury Liability: This provides protection for other drivers who are injured and require medical care due to your actions.
  • Property Damage Liability: This provides protection for vehicles belonging to other drivers if you caused the damage.
  • Uninsured/Underinsured Motorist Coverage: This coverage is almost always grouped with the above two types of coverage. Uninsured/Underinsured Motorist coverage pays your expenses if you’re involved in a wreck with a driver who carries no insurance or who has inadequate insurance.

The law does allow you to carry only Bodily Injury Liability and Property Damage Liability if you wish, however you have to sign a waiver formally stating you don’t want Uninsured/Underinsured Motorist Coverage if you wish to leave it off your policy.

It Protects You

While the state minimum auto coverage described above are primarily geared towards protecting other drivers, auto insurance coverage can also give you excellent protection. Comprehensive coverage (for theft, vandalism, and other damages not caused by driving) and Collision coverage (for damages that happen while you’re driving) are the coverage types focused entirely on protecting you and your vehicle. Your car is a major investment, and protecting it (and yourself) is something that is just a smart move financially.

Don’t get caught without the auto coverage you need. Our independent agents are happy to work with you to help you get the policy you want, and you can check out our free quote comparison tool online to get immediate policy quotes as well.