Why Minimum Coverage Is Often Insufficient
Medical costs, wage loss, and long-tail care can exceed minimum limits quickly in moderate or severe crashes.
When limits are exhausted, recovery may depend on additional policies and asset analysis.
Colorado Minimum Auto Insurance Requirements Explained
Colorado requires minimum liability coverage, but minimum limits may not cover severe injury or multi-vehicle loss scenarios.
Key Points
- Minimum compliance is not full protection.
- Serious crashes can exceed minimum policy limits quickly.
- Understand first-party coverage options before a claim event.
Coverage Review Priorities
Review liability limits, UM/UIM, MedPay, and collision coverage together to understand practical protection.
If your policy is outdated, adjust limits before future loss events.
Frequently Asked Questions
Is having minimum insurance enough in Colorado?
It meets legal minimums, but may be inadequate for high-cost injury crashes.
What happens if damages exceed policy limits?
Recovery may involve additional policies, first-party coverage, or legal action against liable parties.
Should I increase coverage after a crash?
You cannot retroactively change crash coverage, but increasing future limits can reduce risk exposure going forward.