Personal injury cases require experience, strategy, and persistence. Our attorneys represent clients in serious injury claims, handling everything from investigation to negotiation and, when necessary, litigation.
Have questions about your case? Let our team take a look. We’ll help you understand your rights and what to expect, so you can make informed decisions.
(719) 578-1106
Car insurance combines several types of coverage into one policy. Typically, your auto, car, or truck policy will include some combination of comprehensive, collision, medical, liability, and uninsured motorist coverage.
So what do you need? It depends on your specific situation. Liability coverage pays for the damage you cause to others if your car is involved in an accident. It also protects you financially if you are sued after a car accident, which is where working with a car accident attorney in Colorado Springs becomes critical.
The greater your assets, the more you stand to lose. We recommend choosing liability limits that adequately protect your financial situation. While some drivers carry only the Colorado minimum requirements of $25,000/$50,000, those limits can be quickly exhausted in a serious accident.
Collision insurance covers damage to your vehicle caused by an accident.
This coverage should be evaluated based on your vehicle’s value. If you have a newer vehicle, collision coverage is typically worth the added cost. If your vehicle has minimal value, you may choose to save on premiums instead. This decision ultimately comes down to your personal risk tolerance.
Finding the right repair shop after an auto accident can also help reduce out-of-pocket costs.
Comprehensive coverage protects your vehicle from non-collision damage.
This includes theft, vandalism, and weather-related events like hail damage. In Colorado Springs, where hail is a frequent concern, this coverage is especially valuable. You can adjust your deductible to lower your premium, but this increases your out-of-pocket cost if damage occurs.
Med Pay covers medical expenses for you and your passengers after an accident.
Even if you have health insurance, Med Pay helps cover immediate costs such as ambulance rides, hospital visits, and follow-up care. We typically recommend carrying at least $5,000 in Med Pay coverage.
One key benefit is that Med Pay often does not require reimbursement from your settlement, unlike health insurance providers that may assert liens.
This coverage protects you if the at-fault driver has little or no insurance.
Unfortunately, many drivers on the road are uninsured or underinsured. Without this coverage, you could be left with serious injuries and no meaningful way to recover compensation. This is one of the most important coverages we recommend.
Colorado law requires the following minimum coverage:
These are only minimums. Depending on your income, assets, and exposure to risk, you may want significantly higher coverage limits.
Insurance decisions should be made carefully based on your financial situation and risk tolerance. Choosing the right coverage now can protect you from major financial consequences later.
We are here to help you understand your options and make informed decisions.
If you have questions about your situation, don’t hesitate to reach out and speak with our team.
We provide clear, practical guidance on personal injury claims and the legal process so you can understand your options and move forward with confidence.
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