Driving in Wheat Ridge, CO is a privilege, not a right. In order to be allowed to operate an automobile on the streets and highways of the state, you must prove you are responsible This means you:

• Maintain a safe vehicle
• Have a current and legal drivers license
• Insure the automobile to at least the state minimum coverage

Check with your insurance agent. You will be shocked at how low the coverage amount really is.

Does This Mean You Are Covered?

The answer is (almost always), partially. CO Insurance Specialist serving Wheat Ridge, CO explains. If your car was damaged the minimal coverage will usually pay enough to cover the damages. However, if the car is totaled, it probably will not pay enough to replace the car. Even if your car was very carefully cared for and in perfect condition you will be paid the blue book value of your car, which is rarely enough to replace it.

If you sustain minor injuries, there is enough coverage for treatment. However, if you are hurt seriously, your hospital stay, surgeries, therapy, and medical needs can easily go into the hundreds of thousands of dollars. In short, you can find yourself in financial and physical trouble very quickly.

So, What Can You Do?

Colorado Insurance Specialist. They can show you how to add uninsured or underinsured coverage to your policy at a very reasonable price. This is your safety net. This is how you make sure you have protection and peace of mind for your family.

What You Need To Know

All insurance companies are not created equally. Some will try to twist things around to save their company money. CO Insurance Specialist has been in business since 1988. They will gladly answer your questions. You can visit them online or give them a call. They can show you what you are missing and help you find the right coverage.