It’s strongly recommended. Colorado insurers must offer Uninsured/Underinsured Motorist (UM/UIM) coverage at limits matching your liability coverage, and you can only decline it in writing. Insurance Research Council estimates have put Colorado’s share of uninsured drivers in the mid-to-high teens, roughly one driver in six, which is well above the national average.
UM pays for your injuries when the at-fault driver has no insurance or flees the scene. UIM pays when the at-fault driver’s limits are too low. In Colorado, UIM is added on top of the at-fault driver’s liability payment rather than reduced by it, so it adds to what you can recover. We generally recommend matching your UM/UIM limits to your liability limits.
Questions about your own policy? Johnson Insurance Agency in Englewood helps families and businesses across the Denver metro area and Colorado compare coverage from multiple carriers. Call us at 303-768-8130.
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