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3 Reasons Uninsured/Underinsured Motorist Coverage is Important in Colorado

 Posted on April 11, 2024 in Car Accident

Larimer County Personal Injury LawyerDriving on the scenic roads of Colorado can be a thrilling experience, but it is important to be prepared for the unexpected. Uninsured/underinsured motorist coverage is a crucial aspect of auto insurance that provides protection in case you are involved in an accident with a driver who lacks insurance or has insufficient coverage. And remember, if you are ever in a motor vehicle accident in Colorado, contacting an experienced attorney can ensure your rights and interests are protected, especially if you suffer injuries.

At Hoggatt Law Office, P.C., our robust experience handling all types of injury cases puts our firm in a unique position to provide comprehensive legal assistance to those who need it. Since Attorney Hoggatt is a proud member of the Colorado Trial Lawyers Association, clients can feel confident that he will aggressively defend their interests throughout every step of their case.

Protection Against Uninsured Drivers in Colorado

One of the primary reasons why uninsured motorist coverage is important in Colorado is to shield against uninsured drivers. Despite the legal requirement for drivers to carry at least a minimum amount of liability insurance, many drivers choose to disobey the law and drive without insurance. In the unfortunate event of a collision with an uninsured driver, having uninsured motorist coverage can step in to cover medical expenses, vehicle repairs, and other damages that would otherwise be challenging to recover from the at-fault driver. 

Protection Against Underinsured Drivers in Colorado

Of course, while some drivers have insurance, their coverage limits may not be sufficient to address all the costs associated with a serious accident. In such scenarios, underinsured motorist coverage can fill the gap between the at-fault driver’s insurance limits and the actual expenses experienced by the injured party. Such insurance may be used to cover medical costs, lost wages, and other damages that surpass the limits of the at-fault driver’s insurance policy. 

Safeguarding Yourself and Your Loved Ones While Driving in Colorado

By investing in motorist insurance protecting against uninsured/underinsured motorists, you are taking proactive steps to protect your family and yourself from the financial repercussions of accidents involving uninsured or underinsured drivers. In the event of a collision, having this kind of motorist coverage can offer peace of mind, knowing that you have a layer of protection to rely on for medical expenses, vehicle repairs, and various other potential damages. And if the unthinkable does happen, you and your loved ones need not be financially devastated by an accident with an uninsured or underinsured driver. 

Contact Our Fort Collins, CO Motor Vehicle Accident Attorney

If you have been in a car accident involving an uninsured/underinsured driver, our experienced Larimer County, CO motor vehicle accident lawyer can help. Call 970-225-2190 for a free consultation.

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Hoggatt Law Office, P.C.

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Fort Collins, CO 80524

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