Denver auto insurance | Denver car insurance | Denver insurance
For insurance Quotes in Denver Call 303 355 2337.
Colorado natives know driving on icy roads in Denver's traffic can be interesting at best. You will need an insurance professional that can guide you without gauging you. We will help guide you to the proper company that will provide you the coverage you are looking at a reasonable price. As independent insurance agents we can shop several companies to find that fit. Both owner's of A + Insurance are Colorado natives that understand Denver's unique situation in the insurance industry.
List of Denver's most dangerous intersections.
1. University Blvd. and, 1st Avenue
2. University Blvd. and, Hampden
3.Colorado Blvd. and, Alameda
4. Monaco Parkway and, Hampden Avenue
5. Colorado Blvd. and, 6th Avenue
6. Colorado Blvd. and, Hampden Avenue
7. Colorado Blvd. and, Mexico Avenue
8. Colorado Blvd. and, 17th Avenue
For more information about us and our insurance services we provide to Denver see our google+ page @ https://plus.google.com/b/100334638971947835988/+Coautoquotes/posts?hl=en
Auto Insurance for Denver Colorado.
Many people wonder exactly what auto insurance covers in
the state of Colorado. Denver residents
are required to carry an active auto insurance policy that meets the state
minimum guidelines set forth via Colorado.
Many people, however, do not really understand what the different terms
of an insurance policy actually mean or what they actually do and do not cover.
At A + Insurance our friendly, knowledgeable staff are here to help and answer
questions. We would like to take a few minutes and go over the basics on what
auto insurance for Denver Colorado are.
First and foremost, Colorado is considered an at
fault state. This means that the person
who is deemed to be at fault in an accident is the person who is held liable for
the damage. Liability insurance helps
protect other people from you as the driver.
The basic coverage in Colorado is typically a split limit liability
policy broken down into two sections:
Liability for bodily injury, and liability for property damage. The liability for bodily injury is also split
further into two separate sections:
Bodily injury per person, and bodily injury per accident. The state minimum liability limits for
Colorado are shown in an insurance policy as 25/50/15. Numerically speaking those number represent
up to $25,000 per person in bodily injury protection, up to $50,000 per accident
in bodily injury protection, and up to $15,000 in property damage
protection. For example, if you were to
cause an accident and you were carrying the state minimum liability insurance
limits for Denver Colorado, the insurance policy would pay up to $25,000 per
person that you injure that is not in your vehicle as the driver or passenger,
and would pay a maximum of $50,000 per accident if you damage multiple people
for the bodily injury. Your car Insurance would also pay
up to $15,000 per accident in property damage you caused to other items that
does not include your vehicle. If you
cause more damage in an accident exceeding the liability limits you have set,
then you would still be held liable for the damage that was not covered by the
insurance policy that you have set in force.
For this reason, you may elect to spend a little bit more and choose a
policy that has increased limits of liability that are above the state minimum
to help distance yourself from any liability you may cause in an accident. Once you have the liability limits
established on your insurance policy, then you can add on additional coverage to
help extend your protection while driving on the roads in Colorado.
Some of these additional coverages include, but are not
limited to, uninsured motorist bodily injury protection, uninsured motorist
property damage protection, comprehensive coverage, collision coverage,
rental reimbursement, roadside
assistance, and lease loan payoff.
The uninsured motorist protection options will help
protect you from other drivers who may hit you in an accident, they are at
fault, but are not carrying an active insurance policy for Denver Colorado. Comprehensive and collision coverage are the
elements that help form what people commonly refer to as full coverage
insurance. Comprehensive will help
protect the vehicle from resulting damage not caused by an accident such as
theft, fire, vandalism, glass, ect.
Collision coverage is what helps protect your vehicle damage in the event
of an accident - even if you are the one, who is at fault. Comprehensive and collision coverage are
usually associated with a deductible.
At A+ Insurance we help offer advice and guidance when
choosing what type of insurance best suits your needs. Please contact one of our agents today via
phone or online. 303-355-2337 or
www.learnandserve.com Just as our
website indicates, we are here to help and serve our clients.