It’s a sad fact of life, but car accidents with uninsured drivers happen everyday. Insurance rates can be expensive, and when times are tough, some drivers will make the wrong decision, counting on their assumed driving skills and/or luck to keep them out of harm’s way.
Being involved in an accident with one of these drivers can be very scary. Many questions may be running through your head like: Who will pay my medical bills? Who will pay for my car? I can’t work – will pay my lost wages?
Colorado does not require that drivers carry ‘uninsured motorist’ coverage; however, this coverage is a must. People drive irresponsibly, and without insurance every day.
Uninsured motorist coverage protects you and your passengers in a situation where an uninsured driver is involved in an accident with you; essentially, your insurance company “steps in the shoes” of the driver that was at-fault and evaluates your claim for the same kind of damages you would have recovered from the at-fault party’s insurance, had they been insured. This coverage gives you peace of mind that you and your family members and passengers are protected. This coverage will help cover your losses, and help you get your life back on track.