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How Does Car Insurance in Colorado Work?

With various coverage options and legal requirements, understanding car insurance laws in Colorado can be confusing. However, knowing how it all works is important to protecting yourself on the road. Having a car accident attorney walk you through it can be helpful, especially if you’re dealing with the aftermath of a car accident.

Zaner Law Personal Injury Lawyers can clarify the essentials of car insurance in Colorado, including what is legally required and how we can help you in the event of an accident. From there, we can help you file a claim for maximum compensation.

Contact us today at (720) 613-9706 to schedule a free consultation with our experienced personal injury lawyers in Denver, Colorado, to explore your options and ensure that you understand your rights and the protections available to you under Colorado law.

We handle various types of car accident cases, including defective tire accidents, passenger negligence accidents, and other related practice areas. We offer our services on a contingency fee basis, which means you pay nothing unless we win your case.

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How Zaner Law Personal Injury Lawyers Can Help With Your Car Insurance Claim in Colorado

When you are involved in a car accident, the legal counsel of an experienced Denver personal injury lawyer is indispensable. At Zaner Law Personal Injury Lawyers, we provide comprehensive legal assistance to ensure your rights are protected and you receive the compensation you deserve.

When you engage our services in Denver, CO, our legal team assists you in several key areas:

Assessing the full extent of your claim and guiding you through the legal process
Negotiating with insurance companies who may be acting in bad faith
Handling all legal documentation and communication related to your case
Advising you on the best steps to take immediately following an accident
Representing you in court, if necessary, to contest disputed claims or inadequate settlement offers

With Zaner Law Personal Injury Lawyers, you can focus on your recovery while we handle the legal complexities. Our Denver car accident lawyers are dedicated to advocating for you and ensuring you are justly compensated.

Does Colorado Require Certain Types of Car Insurance Coverage?

Colorado law mandates that all drivers carry minimum amounts of car insurance coverage to legally operate a vehicle.

Bodily Injury Liability

This coverage is for costs associated with injuries to other people involved in an accident where you are at fault. The minimum coverage required by Colorado law is $25,000 per person and $50,000 per accident.

Property Damage Liability

This type of insurance covers damage to another person’s property resulting from an accident for which you are at fault. The minimum required coverage is $15,000 per accident.

Uninsured/Underinsured Motorist

While this coverage is optional in Colorado, it is highly recommended. It protects you if you are involved in an accident with a driver who either does not have insurance or does not have sufficient insurance to cover the damages.

Medical Payments Coverage

Also known as MedPay, this coverage is also optional and pays for any medical expenses incurred by you and your passengers that are the result of an accident, regardless of fault.

What Are the Consequences of Not Having Adequate Car Insurance in Colorado?

Driving without adequate car insurance in Colorado carries serious consequences that can affect various aspects of your life. Drivers could face the following if they do not comply with the state’s insurance requirements.

Legal Penalties

Drivers caught without the proper insurance may face fines, license suspension, and even jail time depending on the severity of the offense and any repeat violations. The initial fine for driving without insurance in Colorado can be as high as $500, and repeat offenders may face increased penalties.

Financial Consequences

If you’re involved in an accident without adequate insurance, you are personally liable for all damages, which can include medical bills, property damages, and legal costs. This can lead to significant financial hardship, especially if the damages are extensive.

SR-22 Requirements

After an insurance violation, Colorado may require you to file an SR-22, a certificate of financial responsibility, proving that you carry the minimum liability coverage. An SR-22 increases your insurance premiums and is typically required for three years.

Risk of Lawsuits

Without adequate insurance, you’re at a higher risk of being personally sued for damages and injuries if you’re at fault in an accident. This can further escalate your financial burden and complicate your legal situation.

These risks are why maintaining at least the minimum required insurance coverage in Colorado is the smart thing to do. It not only keeps you compliant with the law but also protects you from potentially devastating consequences.

Call Our Denver Car Accident Attorneys at Zaner Law Personal Injury Lawyers for a Free Consultation Today

If you’re dealing with the aftermath of a car accident in Denver, Colorado, do not hesitate to reach out to Zaner Law Personal Injury Lawyers.

We understand the challenges you face and are here to help. Our car accident attorneys in Colorado are well-versed in navigating the complexities of car insurance claims and accident litigation.

Our skilled team offers a free consultation to review your case and explain how we can assist you. Contact us today to start the process.

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