What Do Auto Insurance Plans Cover in a Colorado Car Accident?

 Posted on April 15, 2020 in Car Accident

Every driver in Colorado is required to carry car insurance in case of an accident. If you or a family member are involved in a vehicle collision, it can be difficult to maintain a clear mind and understand exactly what your policy covers. Most policies function similarly, so the guidelines here will likely apply to you in many ways. However, even when you have a general understanding of your auto insurance policy and relative confidence in determining what the other party’s policy covers in an accident, it is imperative that you obtain sound legal advice from a personal injury lawyer to protect your rights.

Legal Aid When Seeking Damages

Before diving into what your and another driver’s insurance policies cover in a crash, it is important to understand how vital legal guidance can be after you or your loved one are involved in a car accident. In many cases, determining which driver is at fault is not that simple. A police report might not accurately describe what happened, or there may be other mitigating circumstances, like a nearby construction zone. Even if there were just minor injuries and vehicle damage, a skilled attorney can help you establish liability for the collision, and they can negotiate with insurance companies and help make sure that you receive the compensation you need and deserve. That is why it is essential that you contact an attorney first before talking to any insurance company, including your own. 

General Auto Insurance Coverage

Auto insurance policies may provide coverage for various items in the event of an accident, regardless of who is at fault. The following are a few of the main elements that are typically included in an insurance policy in regard to vehicle crashes:

• Collision: This covers collisions with another vehicle or with any object, like a light post, a building, or a tree.

• Liability: In many cases, one party will be determined to be at fault in an accident. If another driver is at fault due to negligence, he or she will be responsible for paying for your medical costs, repair expenses, and other damages. This is typically split into bodily injury liability and property damage liability, and the amount of coverage provided for each type of liability may vary depending on the policy.

• Medical Expenses: Unlike liability coverage, this portion of your policy covers any of your or your passengers’ medical expenses in a collision.

• Uninsured/underinsured Motorist: If you are the victim of a hit-and-run, or the other motorist does not have insurance or an adequate policy to fully cover your post-accident expenses, this portion of your policy can make up the difference.

• Rental Reimbursement: If the repairs that your car needs require you to leave it at the shop and obtain a rental car, this type of coverage will address those costs.

Contact a Fort Collins Personal Injury Lawyer 

Vehicle accidents can be very stressful, and the process of determining which driver in an accident is responsible for what can get complicated. To avoid confusion and receive confident guidance, it is important to work with an experienced Larimer County car accident attorney in Colorado. At Hoggatt Law Office, P.C., we have extensive experience in handling many types of personal injury cases. Call us today at 970-225-2190 to schedule your free consultation.

Source:

https://leg.colorado.gov/content/mandatory-automobile-insurance-colorado