Personal Auto Insurance

Mandatory coverage in Colorado, coverage for medical costs, loss of income and funeral expenses of others involved in a covered car accident for which you or a covered operator of your vehicle are responsible.

Also mandatory in Colorado, coverage for the property of others damaged in a covered accident for which you or a covered operator of your vehicle are responsible.

Optional in Colorado, coverage for bodily injury losses caused by a hit-and-run driver, a driver with no automobile insurance, or whose liability limits are insufficient.

Pays for medical expenses for the driver and passengers of the insured vehicle, regardless of fault.

Pays for towing and some of the roadside assistance services rendered at the place of breakdown.

Helps pay for a rental car while your vehicle is being repaired for damages due to a covered loss. It does not apply if your vehicle just needs routine maintenance work.

Helps pay for damage to your vehicle if you collide with another car or object. While not required by law, collision coverage is usually required by lenders if you have a vehicle loan.

Required by lenders if you have a vehicle loan, this coverage helps pay for damage to your vehicle resulting from theft, fire, vandalism, falling objects, windstorm or hail or hitting an animal. It also covers your windshield if it gets cracked or shattered. Some carriers offer glass coverage without a deductible for just a few dollars a month.