Colorado Car Insurance Laws and Requirements

Colorado Personal Injury Attorney

In Colorado, at fault drivers are financially responsible for any injuries or property damage they cause in an auto accident. Due to the rising cost of vehicles and health care, automobile insurance is not just a necessity; Colorado law requires it. In Colorado, all drivers are required to carry a minimum amount of liability automobile insurance, although this amount may be insufficient to cover property damage or injuries in an auto accident. Even when the driver at fault has sufficient automobile insurance, dealing with the insurance companies can be stressful for auto accident victims. If you have suffered injuries in a Fort Collins car or motorcycle accident, it is often in your best interest to hire a qualified Fort Collins auto accident lawyer to handle your auto insurance claim.

Colorado Car Insurance Requirements

In Colorado, drivers are required to carry two types of liability insurance. Bodily injury liability coverage is required to provide coverage to you if someone else is injured or killed in an accident for which you are at fault. In Colorado, all drivers must have bodily injury liability coverage with a minimum of $25,000 per person and $50,000 per accident, although these amounts are much lower than what most financial experts recommend.

Colorado drivers are also required to have property damage liability coverage to pay for any damages they cause to another person’s vehicle or other property in an automobile accident. Insurance companies in Fort Collins and throughout Colorado are required to offer uninsured/under-insured motorist insurance to all policyholders to provide coverage in an accident in which an uninsured or under-insured driver is at fault. While Fort Collins drivers may also choose to purchase comprehensive or collision auto insurance, these policies are not required.

Colorado Automobile Insurance Claims

Automobile insurance companies are businesses – they are generally more concerned with minimizing their losses than with protecting the best interest of their policyholders or car accident victims. As such, they will often deny legitimate auto insurance claims or offer unreasonably low settlements to auto accident victims. If you suffered injuries in a Fort Collins auto accident, it is important to talk to a Fort Collins auto insurance attorney to find out your legal rights to an insurance claim.

How a Fort Collins Auto Accident Lawyer Can Help with Your Insurance Claim

There are many benefits to hiring a Fort Collins auto accident attorney to handle your auto insurance claim. A lawyer can help prove someone else was at fault for your auto accident. In addition, an experienced Colorado auto accident lawyer also knows how to negotiate with insurance companies so you are properly compensated for your injuries or property damage. In fact, car and motorcycle accident victims who are represented by an auto accident attorney tend to receive higher settlements than those without a lawyer.

At Fowler Law Firm, we understand how insurance companies work when handling auto accident claims. Fort Collins auto accident attorney, Timms Fowler, has prior legal experience working for an insurance defense law firm. This experience allows him to negotiate successfully with insurance companies on his client’s behalf. Contact us today at (970) 232-3322 or email us at to arrange a confidential review of your auto insurance claim.

Return to Our Homepage

Bookmark and Share


The Fowler Law Firm, LLC

Timms Fowler
Tel: 970.232.3322
The Fowler Law Firm, LLC
155 East Boardwalk Drive, Suite 300
Fort Collins, CO 80525
Attorney Website Design by Law Father | Join me on Google+