Colorado requires every driver to carry liability insurance of at least $25,000 for injury or death to one person, $50,000 for injury or death to two or more people in one accident, and $15,000 for property damage, often written as 25/50/15. Insurers must also offer Uninsured/Underinsured Motorist coverage and $5,000 of Medical Payments coverage, and you have to reject either one in writing if you don’t want it.
Liability coverage pays for injuries and damage you cause to others. It doesn’t pay for your own car. Driving uninsured in Colorado is a misdemeanor with a minimum $500 fine, points on your license, and a suspension until you file proof of insurance (an SR-22). Most Englewood and Denver-area drivers are better protected with higher liability limits plus UM/UIM, Comprehensive, and Collision coverage.
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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