DENVER (KDVR) — How protected are you on the highway? The most recent numbers from the Rocky Mountain Insurance coverage Info Affiliation present greater than 16% of Colorado drivers are uninsured, 4 % larger than the nationwide common.
Insurance coverage specialists mentioned you will need to keep correct protection to make sure safety in opposition to bills related to accidents.
Regina Valdivia’s automobile was struck by one other driver close to Jewell Avenue and Decatur Road in Denver.
She anticipated the motive force’s insurance coverage firm to cowl her bills, which amounted to greater than $1,700 {dollars}. Nevertheless, he couldn’t be positioned by his service.
“We do every little thing the best means and I carry [insurance], don’t go anyplace with out it and it’s simply irritating that different folks don’t reside by the way in which you understand how you do,” mentioned Valdivia.
The Rocky Mountain Insurance coverage Affiliation tells the Drawback Solvers insurance coverage corporations are required by legislation to supply insurance policies that defend in opposition to uninsured or underinsured drivers, together with people who simply disappear.
The protection is non-obligatory for the client.
Insurance coverage knowledgeable Kim Alire of Threat Administration Companions informed the Drawback Solvers each driver ought to verify their coverage to make sure they’ve sufficient protection.
“We all the time write insurance policies which have the identical underinsured motorist bodily harm restrict that we’ve got for the legal responsibility restrict,” she mentioned. “So, when you have 100, 300 in your legal responsibility, we do 100, 300 on uninsured motorist as nicely.”
The Division Of Regulatory Companies (DORA) informed FOX31 that if the motive force who was hit has collision protection or uninsured motorist, property injury protection their insurer ought to cowl the declare, topic to any deductibles.
An insurance coverage firm can not enhance the premium or non-renew the coverage on account of a not-at-fault accident.
Insurance coverage corporations that don’t supply uninsured driver protection may be reported.
Contact the Colorado Division of Insurance coverage Shopper Providers Group at 303-894-7490, e-mail [email protected] or go to doi.colorado.gov and click on on “File a grievance.”
You should definitely doc any accident with photos and video and get in touch with police to make a report straight away.
