Most people, at some time or another, will allow a friend to drive their vehicle. In most cases, nothing happens, but you need to know what your liability is if an accident does occur. The agents at AmPro Insurance LLC can offer sound advice that Colorado Springs, CO residents need to be fully protected at all times. In some cases, it just isn’t worth it to let someone borrow your vehicle. It’s up to you to make the best possible decision for you.
You are liable for your vehicle. If an accident occurs in your car, it doesn’t matter who is driving. Your insurance policy will be the first one that is looked at in terms of covering any damage that was caused if you or another driver who was driving your car. Both collision and comprehensive insurance policies will provide you with the coverage you need to be protected against various types of accident liability.
Other Insured Drivers
Even letting another insured driver take your vehicle can cause liability issues. While their insurance may be put into effect at some point, your policy may still bear the brunt of the cost. In case of an emergency, make sure that the person who drives your car is fully insured. This will protect both of you from any adverse repercussions if an accident does occur.
In Colorado Springs, CO, residents can always discuss their insurance concerns with one of the agents from AmPro Insurance LLC. The agents are experienced and knowledgeable when it comes to auto insurance and having the right policy in place to protect your investment. Call an agent today and ask to have your current policy reviewed. Finding the right policy for you is our job!
The state of Colorado requires all registered vehicles and drivers to have auto insurance. Out of state insurance will not be enough. Typical insurance coverage requires bodily injury liability, property damage liability, and uninsured or underinsured motorist coverage. Some additional features that need to be considered include medical payment coverage, collision coverage, and comprehensive coverage. It is important to understand what these different components of the auto policy actually mean.
Bodily injury liability provides coverage for situations in which an accident caused by you causes someone else to be injured. Property damage provides coverage to any damage done to the property of someone else. The underinsured or uninsured, as the name suggests, means coverage against an accident with someone who does not have enough or any insurance. Typically, the amount of coverage of this matches the coverage for bodily injury coverage. Collision coverage is used when your vehicle is in an accident that is your fault. That collision doesn’t necessarily have to be with another car. It could be a collision with anything. Comprehensive coverage is when the vehicle is damaged in an incident that was non-collision related. This could be a fallen tree or hail. Keep in mind that most auto insurance will have a deductible, that is the amount you have will have to pay before the policy kicks in.
While the state enforces certain minimum requirements, it is recommended that vehicle owners consult an experienced insurance provider that can guide you to best-suited policy. The key to a good insurance policy is to find an insurance agency that cares about their customer and makes an effort to find a personalized solution for the client. AmPro Insurance, LLC in Colorado Spring, CO has your vehicle covered. We are a well-reputed and certified insurance agency serving Colorado Spring, CO, and the surrounding areas. Get in touch with Ampro Insurance, LCC now.
For many people in the Colorado Spring, CO area, driving a car on a daily basis is a practical necessity. Without one, it will be impossible to get to work, school, or to run errands. When you do drive a car in Colorado Springs, it is important that you know your auto insurance requirements. There are several things that you need to know about auto insurance in the state of Colorado.
The first thing to think about when you are shopping for an auto insurance policy in Colorado is your liability requirements. In this state, you are required at all times to carry a minimum level of liability insurance whenever you are driving. In this state, you will need to have bodily injury coverage of at least $50,000 per incident and $25,000 per injured person. Additionally, you will need to have $15,000 in property damage liability coverage.
Other Coverage Needs
While a Colorado Spring, CO driver may not be legally obligated to have it, getting collision and comprehensive coverage is also usually a good idea. This type of coverage will provide you with protection for many different situations that could result in a loss, including theft or accident damage. While not required by law, your auto lender or lessor will normally require you to have it as long as your obligation is outstanding.
As you are shopping for auto insurance in Colorado, a great place to start looking is through AmPro Insurance LLC. When you contact the team at AmPro Insurance LLC, you will learn a lot more about all of the different auto insurance options that you have. This will allow you to choose a car insurance policy that properly matches your needs and various requirements.