Everyone who owns a car relies on it for so much of the normal day-to-day activities they participate in. Most people would be lost without their vehicle, from work and school to shopping and socializing.
Generally speaking, anyone that lives in your household and has a driver’s license is required to be rated on your auto policy. Your car insurance can also extend to licensed drivers who you give permission to drive your vehicle.
Auto insurance makes sure your vehicle is protected, but it also protects you and your assets with liability coverage. Almost every state requires drivers to carry basic liability insurance, and Colorado is one of them. Liability coverage helps to pay medical bills for injured people due to an accident caused by the driver of your vehicle. This is something to consider before you allow someone to drive your car. Depending on the amount of coverage you have for liability, legal action against you could be very expensive.
Coverage for your vehicle itself is optional unless you have a lease or an auto loan. Then you’ll need to carry coverage for your vehicle in the form of collision and comprehensive. Collision coverage protects your vehicle itself in the event of an accident where the driver of your vehicle is at-fault. You’ll have to pay your deductible, which is also something to consider before allowing someone else to drive your vehicle. Comprehensive coverage protects your vehicle from things other than an accident. That can include fire, hail damage, theft, and more.
Integrity First Insurance has been doing business in Colorado since 2008. We are an independent agency with a focus on integrity and education. We want our clients to trust their insurance and we offer the residents of Colorado service beyond their expectation. Our agents will be there for them in the good times and the bad. Check out our website for more information about the products we offer.