Auto insurance provides financial protection in case of accidents, theft, or damage to your vehicle.
Whether you’re commuting through Denver traffic or cruising mountain roads, auto insurance is a must-have.
In Colorado, drivers are required to carry minimum auto insurance coverage to legally operate a vehicle. The state mandates liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury or death, along with $15,000 per accident for property damage. These minimums, commonly referred to as 25/50/15 coverage, ensure financial protection in case of an accident. Additionally, insurers must offer uninsured/underinsured motorist coverage and at least $5,000 in medical payments coverage (MedPay), although drivers can opt out of these in writing. While these minimums satisfy legal requirements, many drivers choose higher limits or additional coverage for better financial security.
Yes, auto insurance can cover hail damage, but only if you have comprehensive coverage as part of your policy. Comprehensive insurance covers non-collision-related damage to your vehicle, including weather events like hail, flooding, or falling objects. If you only carry liability insurance, hail damage will not be covered.
When filing a claim for hail damage, you’ll need to pay your comprehensive coverage deductible first, and the insurance company will cover the remaining repair costs up to your policy’s limit. If the damage is extensive and the repair cost exceeds the vehicle’s value, the insurer may declare the car a total loss and compensate you for its market value.
If you live in an area prone to hailstorms, it’s wise to carry comprehensive coverage for added protection.