Denver Auto Insurance Client
DENVER AUTO INSURANCE
Denver Auto Insurance helps protect you and your family from losses resulting from motor vehicle accidents. State law requires every car to be covered by auto insurance.
At Denver Auto Insurance we know you want a great deal on auto insurance and we want to help you save as much money as possible for the best coverage.
Denver Auto Insurance will help you understand the following auto insurance basics:
- The basics of what is covered in an auto insurance policy and what coverage’s are required
- How your auto insurance rates are determined
- Answers to frequently asked questions about auto insurance
- Steps on how to file an auto insurance claim
- Auto Links & Resources
- We will provide a custom auto insurance quote & compare rates against the major independent auto insurance companies
The Denver Auto Insurance coverage guide will provide you with an understanding that an auto insurance policy has six specific functions and the state’s minimum requirements for auto insurance.
Below is a list of the coverage options Denver Auto Insurance provides:
- Bodily Injury Liability
- Property Damage Liability
- Guest Passenger Liability
- Uninsured/Under-Insured Motorist
- Medical Payments
- Comprehensive
- Collision
BODILY INJURY LIABILITY
Denver Auto Insurance provides this coverage which applies to injuries you, the designated driver or policyholder cause to someone else. Your auto insurance is going to cover you, family members who live with you and anyone else who you give permission to drive your vehicle.
Basic liability protection would be enough coverage if you rent and have minimal savings or investments. Standard protection would be enough if you own a home, have some savings and a steady income. Superior protection would be appropriate if you own a home and have significant assets or income; an umbrella policy should be considered if you fall into this realm.
If you don’t carry enough liability coverage, you may be sued for your personal assets – your home, savings, investments, or even future income. As a Denver Auto Insurance client it is important to make certain that you purchase as much as you need to protect your assets.
PROPERTY DAMAGE LIABILITY
At Denver Auto Insurance this coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hits.
MEDICAL PAYMENTS OR PERSONAL INJURY PROTECTION
Personal Injury Protection can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs. You don’t have to be in the car to collect this coverage as you can also be a pedestrian.
COLLISION
At Denver Auto Insurance this coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Even if you are at fault for any accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you’re not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company. If they are successful, you’ll be reimbursed for the deductible.