Do I Really Need More Than the Minimum Auto Insurance?

What Colorado drivers should know before relying on basic liability coverage

🚗 Why Minimum Coverage Isn’t Always Enough

In Colorado, drivers are required to carry liability insurance: $25,000 per person, $50,000 per accident, and $15,000 for property damage. This covers injuries or damage you cause to someone else — but here’s the catch:

It doesn’t cover your car.

If your vehicle is totaled or you’re hit by an uninsured driver, basic liability leaves you paying out-of-pocket — often thousands of dollars.

🤔 What Should You Consider Adding?

• Uninsured Motorist (UM/UIM): Covers you if someone hits you and they don’t have insurance. In Colorado, about 1 in 8 drivers is uninsured.

• Collision: Pays to repair or replace your own car after an accident — regardless of who’s at fault.

• Comprehensive: Covers theft, hail, vandalism, or hitting a deer. (Common in Colorado!)

• Medical Payments (MedPay): Covers your medical bills no matter who’s at fault — and is often inexpensive.

• Umbrella Liability: Adds extra coverage on top of auto and home if you’re ever sued or cause major damage.

🛑 Common Mistakes I See

• Skipping uninsured motorist coverage to save a few bucks

• Choosing the cheapest policy without understanding what’s included

• Not updating your policy when adding a teen driver or buying a new car

• Letting a policy auto-renew for years without reviewing it

💡 Let’s Break It Down Together

There’s no pressure — I’m here to walk you through your current policy or show you what better-fit options could look like.

“Smart coverage isn’t about fear — it’s about clarity and protection.”

Ready to Get Auto Insurance?

Call today and I’ll help you find a plan that fits your budget, your family, and your peace of mind.

There’s no pressure—just real protection.

Let’s take care of it now, so you can drive!