Personal Auto Insurance

Stay protected in Colorado

Snowy, slippery roads. Heavy bumper-to-bumper traffic during the winter season. Frequent hail storms in the spring and summer. All of these risks are part of living and driving in Colorado and while auto insurance is required in nearly all states, it is especially important to maintain proper coverage in the Centennial State.

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Protection on the Road

More than just a state requirement, Auto Insurance safeguards the investment you made in your car, protects you from damages of a lawsuit, pays for medical bills after an accident and covers repairs due to natural disasters, like hail. It can also help get you home safely if you’re stranded.

We work with a variety of insurance carriers to provide coverage options that go beyond the mandated liability limits and are specific to your needs. We also review your Colorado auto policy at every renewal and keep you informed about any alternative offers.

Coverage Details

Colorado requires all drivers to carry bodily injury and property damage liability insurance. The required liability limits are $25,000 per person and $50,000 per accident for bodily injury, and $15,000 for damage to property of others.

You can purchase the mandatory liability coverage only, or choose full coverage to ensure that your vehicle is covered by your policy regardless of who is at fault for the accident.

personal auto coverage

Available Coverages

Bodily Injury Liability

Mandatory coverage in Colorado, coverage for medical costs, loss of income and funeral expenses of others involved in a covered car accident for which you or a covered operator of your vehicle are responsible.

Property Damage Liability

Also mandatory in Colorado, coverage for the property of others damaged in a covered accident for which you or a covered operator of your vehicle are responsible.

Uninsured/Underinsured Motorist

Optional in Colorado, coverage for bodily injury losses caused by a hit-and-run driver, a driver with no automobile insurance, or whose liability limits are insufficient.

Medical Payment Coverage

Pays for medical expenses for the driver and passengers of the insured vehicle, regardless of fault.

Towing & Labor

Pays for towing and some of the roadside assistance services rendered at the place of breakdown.

Rental Reimbursement

Helps pay for a rental car while your vehicle is being repaired for damages due to a covered loss. It does not apply if your vehicle just needs routine maintenance work.

Collision Coverage

Helps pay for damage to your vehicle if you collide with another car or object. While not required by law, collision coverage is usually required by lenders if you have a vehicle loan.

Comprehensive Coverage

Required by lenders if you have a vehicle loan, this coverage helps pay for damage to your vehicle resulting from theft, fire, vandalism, falling objects, windstorm or hail or hitting an animal. It also covers your windshield if it gets cracked or shattered. Some carriers offer glass coverage without a deductible for just a few dollars a month.

We are always happy to discuss these and provide more detailed explanations so that you can make an informed decision when designing your policy.

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Talk to Us!

Some of the most common questions that come up when you have to choose the right Colorado auto insurance coverage:

common questions

Am I covered if I drive for Uber or Lyft?

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Is it possible to avoid an out-of-pocket expense for glass only claims?

Which companies offer accident forgiveness?

Are the minimum liability limits required by the state of Colorado sufficient?

Which company has the best roadside assistance plan for a frequent traveler?

What happens to my car if I purchase liability only and it gets totaled by a hit-and-run driver?

Our goal at Kuzbiel Insurance Brokers is to provide answers to these and other questions you may have and to ensure that you fully understand all the options before making a decision.

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