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You can file a claim against under or uninsured motorists

What are the auto insurance requirements in Colorado? Do you automatically have to purchase underinsured motorist coverage?

The fact is that you have to purchase between $100,000 and $300,000 or more in bodily injury liability if you want to be safe in the case of an accident. That coverage protects you if you hurt someone or kill them in an accident. Colorado only requires a limit of $25,000 per person and $50,000 per accident, but this may not be enough to cover a person's injuries and hospital bills.

What happens if you're hit by someone who is underinsured? One of the potential options before the accident happens is to buy uninsured or underinsured motorist coverage. This coverage protects you and, if you choose to buy additional coverage, may also cover damage to your vehicle. In the case that the other driver doesn't have insurance or doesn't have enough, you'll be able to seek out a claim through your own insurer to cover the bills and lost wages you're accruing.

If you don't have that kind of coverage, you may have to file a lawsuit against the driver with the help of your attorney. If a lawsuit is successful, then the driver will have to pay for your medical bills and other needs out of his or her wages or personal accounts. Insurance is a much safer option for everyone, since the money is available; if you have to sue, there is no guarantee that the person will be able to pay, but it will save you the struggle of paying down debts you shouldn't have to owe. Our website has more on this topic, so you can learn as much as possible before your case goes to court.

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