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Denver Injury Lawyer
Attorney representation in Denver, Colorado since 2001
Denver Auto Accident Attorney Insurance Tips
Very often, auto accident victims aren’t aware of what insurance coverage they have until it is too late. Often, this is during their first meeting with a Denver injury lawyer, after they have already had an auto accident. In many cases, their automobile insurance is not sufficient to cover the damages they have suffered.
If you are reading this page prior to being involved in an automobile, motorcycle, or truck accident, spend some time with your automobile insurance agent and be sure you understand each and every aspect of your current auto insurance. If you find your coverage is insufficient, consider adjusting your auto, truck, or motorcycle insurance policies to protect you and your family in case there is an accident.
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Colorado Auto Accident Attorney Insurance Tip #1:
Be sure to review and understand the type of coverage you have for all insurance you purchase. Your Denver accident attorney urges that you review and understand the Declaration pages ("dec page") for all automobile insurance policies in your household. The dec page is generally the cover page of your policy that lists the insurance, amounts of coverage, and premiums paid. Don't forget to ask your insurance agent to explain all of these aspects in detail. Unfortunately, many people who seek the help of a Denver accident lawyer assume they have "full coverage" for all family members and that all cars, trucks and motorcycles are insured completely for all types of loss. It is important to understand there is no such thing as "full coverage". You can purchase liability, collision, comprehensive, property, unisured-underinsured motorist, medical payments and additional policies, all of which come in widely varying amounts. For example, in Colorado you can purchase automobile liability coverage with minimum limits of $25,000.00.
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Colorado Auto Accident Attorney Insurance Tip #2:
With so many uninsured motorists on the roads these days, it is important to understand "Uninsured/Underinsured automobile coverage." Any Denver accident attorney will recommend that you make your insurance agents explain Uninsured/Underinsured coverage. Underinsured/Uninsured Motorist coverage is insurance that you purchase to ensure that you and other car occupants are insured if the driver that hits you has no insurance, or very little relative to the injuries caused. Like liability coverage, these policies can be purchased in amounts ranging from $25,000 to millions of dollars.
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