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Under Colorado law, the person who causes a car accident is financially responsible for all of the provable damages related to the accident. Typical damages following an accident may include damages to property (such as a car), and bodily injury (damage to the vehicle occupants themselves). For legal purposes, a bodily injury claim is generally sub-divided into two categories:

  • ECONOMIC DAMAGES:  Past and future medical expenses, wage loss, and additional out-of-pocket expenses; and,

  • NON-ECONOMIC DAMAGES:  Pain, suffering, loss of enjoyment of life, inconvenience, and physical impairment.


The dollar value of these categories of damages can add up quickly. Colorado law requires every owner of an automobile in the State of Colorado to buy a minimum amount of car insurance to pay for these categories of damages.  There are three types of auto insurance coverage in Colorado:

  • PROPERTY DAMAGE LIABILITY COVERAGE:  This coverage pays for the damage to the automobile involved in the accident and is paid out on behalf of the at-fault driver.

  • BODILY INJURY LIABILITY COVERAGE:  This coverage pays on behalf of the at-fault driver for bodily injuries sustained in a motor vehicle collision.  The State of Colorado requires that every owner of an automobile have at least $25,000.00 in bodily injury liability insurance coverage.

  • UNINSURED AND UNDERINSURED MOTORIST COVERAGE:  This insurance provides coverage if you are injured by an uninsured or underinsured motorist and is in addition to the Property Damage and Bodily Injury LiabilitCoverage.

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