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Colorado Car Insurance Laws
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Car insurance is certain to play a significant role in any claim made after a traffic accident. Colorado, like most states, requires vehicle owners to maintain a certain minimum coverage in order to legally operate a vehicle on the state's roads and highways. Read on for details of Colorado's car insurance rules and how coverage can affect a car accident issue.
Colorado is a "mistake" of a car crash state
Colorado follows a traditional system based on "errors" when it comes to financial liability for losses caused by a car accident: injuries, loss of income, damage to the vehicle, etc. This means that a person who was at fault for causing a car accident is also liable for any damage caused (from a practical point of view, the wrongful driver's insurance company will absorb these losses, within policy limits).
Note: Colorado was a no-fault motor insurance state until 2003. Under any error, the plaintiff usually does not have the same range of options. After a car accident occurs in the absence of a fault, you should move to personal injury protection coverage for your car insurance policy to pay your medical bills and other losses, regardless of who caused the accident. Only if your injuries reach a certain threshold can you exit without error and make a direct claim against the wrong driver. But Colorado drivers no longer need to worry about no fault after an accident in the state.
