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Colorado is a tort law state. A "tort" is a civil wrong,
but not a crime. In auto insurance, a tort system means that a determination
of fault in an automobile accident is made. The party at fault or his or her
auto insurance company pays medical and rehabilitation expenses to the injured party,
as well as property damage. An injured party may also sue for other losses including
lost wages and pain and suffering.
Underinsured or uninsured motorist (UM/UIM) coverage pays for you, members
of your family in your household and occupants of your automobile for personal
injuries caused by a hit and run driver or an uninsured motorist. This coverage
basically replaces the insurance the other driver should have bought but did
not.
Bodily injury liability does not protect you or your car directly in a claim
brought by someone else against you. Bodily injury coverage applies in an accident
for which you are liable (at fault). This protects you in claims for damages
including medical expenses, lost wages and pain and suffering. This coverage
also applies for a member of your family driving your car or someone else driving
with your consent. For example, Vermont requires a minimum of 25/50/15 liability
coverage. The first number is the amount that the colorado auto insurance will cover for any
one person ($25,000). The second number is the total amount the colorado auto insurance will
pay for all persons injured in an accident.
Coloradans on average paid about $1,074 in auto insurance premiums in 2003, compared to the national average of about $914. Most people believe all these colorado auto insurance rates are fixed by colorado automobile insurance companies and state regulatory agencies, but in reality discounted and competitive colorado car insurance rates are available in Colorado.
Next, you want to be sure that you are covered in the event any property damage
is done. Property damage protects you against a claim for damages to either
another vehicle or property in an accident for which you are liable. The third
number (25/50/15) tells you how much your colorado auto insurance will cover for property
damage in any one accident.
Even within the state of Colorado, auto insurance rates have changed over the past few years. Comparing the current colorado car insurance rate to the numbers from a few years back, the average colorado auto insurance premium in 1999 was about $867, that's an increase of about 23.88% in 4 years!
When calculating your colorado automobile insurance quote, you must take into consideration
the following factors; your driving record, moving violations and previous accidents
will increase the cost of your colorado auto insurance. Other factors include age, gender
and marital status. Finally, the county you live in will also affect the cost
of your colorado auto insurance quote as well as the driving record of any family members covered
under your insurance.
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