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Do you understand what your auto insurance policy covers?

Colorado residents need to have a thorough understanding of the coverage limits and exemptions on their auto insurance policies. The last thing you want to do is be caught short after getting into an accident that injures you and/or damages your property.

But far too often, drivers simply select the cheapest auto insurance options that are available. Then, when they discover that they need to file claims, they realize that they are woefully underinsured.

Read on to learn some important points about your auto insurance coverage.

Who is covered?

Most auto insurance policies cover the individual(s) listed on the policy, but they generally will also cover the people whom you permit to drive your vehicle. However, this is not always the case.

In some circumstance, e.g., you have a roommate with a DUI history or have a teenage driver in the home, even people whom you permit to drive your car or truck may be excluded from coverage by the policy in effect.

Do you have just the minimum?

You could be in for an alarming discovery if you chose the minimum coverage limits and get into a serious accident with an uninsured or underinsured driver.

Not having coverage for a rental vehicle or replacement value to purchase another car when yours gets totaled can be disastrous. Make sure that your coverage fits your needs. Yes, you could potentially sue the driver, but keep in mind that if the motorist failed to properly insure their vehicle, they likely won't have sufficient assets and resources in the event that you get a judgment against them.

Why it's wise to seek legal advice for personal injury claims

A seasoned Englewood personal injury attorney knows all of the dirty tricks insurance companies use to pay out the lowest costs possible on personal injury claims. From passing you around to different claims adjusters who all need time to get up to speed on your claim to low-balling claimants, these companies pull out all the stops to save their shareholders money.

If you get injured in an accident with another at-fault driver, it can be very helpful to have a legal advocate working on your behalf.

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