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Denver Car Accident Lawyer

Understanding Auto & Car Insurance

After an accident, it’s important to notify your insurance company you’ve had a wreck. But remember, NEVER talk to the other person’s insurance company or sign anything without talking to the Denver car accident lawyers at McDivitt Law Firm first.

Find out how we can help by calling (866) 241-6143 or completing a free initial consultation form. 

Know Your Coverage

In the state of Colorado, there are a number of auto insurance coverage options available to you, such as:

  • Bodily Injury/Property Damage Liability

    You are required by law to carry liability insurance. This coverage protects you if you injure someone or damage someone else’s property.

  • Uninsured/Underinsured Motorist

    This coverage pays for your injuries if you are injured by a hit-and-run driver or a driver who does not have any coverage (uninsured) or doesn’t have enough coverage (underinsured).

  • Medical Payments

    Though not required, this coverage pays for reasonable and necessary medical expenses, without regard to liability, resulting from injury in an auto accident.

  • Collision

    If your vehicle is damaged in an accident, this coverage pays for those damages, regardless of fault. Your insurance company may seek reimbursement from the at-fault party. Learn more about car accident damage claims.

Regardless of what kind of insurance coverage you have, the legal minimum for coverage in the state of Colorado is described as 25/50/15 or:

  • $25,000 per person in an accident
  • $50,000 for bodily injury per accident
  • $15,000 for property damage to others

Do you know if you’re covered after an accident? Our Colorado Springs & Denver car accident lawyers can help you deal with the insurance company and understand your coverage. Contact McDivitt Law Firm today for a free initial consultation.