At CO Insurance Specialist in Wheat Ridge, CO, we believe our clients must reevaluate their auto policies annually. Unfortunately, many auto consumers rarely review their policies with a licensed agent, and when an incident occurs, they are unaware of their auto policy benefits.

There are several key circumstances in which you should reevaluate your auto insurance policy and make adjustments as needed:

• Your driving habits change, such as driving significantly more than you used to.
• After a major life event such as moving to a new state, moving further from your job, changing employment, getting married, buying a new car, or having a child.
• You have an older car that has depreciated in value.
• You have less income due to a job loss, retirement, or other circumstances.
• You got into an accident, received a traffic ticket, or other changes occurred to your driving record.
• New laws in your state were passed that affect the coverage you need for your vehicle.

You may be wondering how to reevaluate your policy. Contact us. We will help you reassess your auto insurance policy by:

• Reviewing your current coverage with you and ensuring that your policy limits are sufficient for your needs.
• Helping you reconsider deductibles for your auto insurance. Raising your deductible can result in lower insurance premiums.
• Providing quotes from other carriers under our umbrella to help you find the best rates for the same coverage.
• Helping you identify if you qualify for any available discounts that could lower your premiums.

We’re Here to Help Wheat Ridge Residents

At CO Insurance Specialist in Wheat Ridge, CO, we’re here to help you make informed decisions about your auto insurance policy and ensure you have peace of mind while you or your family are on the roads. If you have any questions about your auto policy and want to discuss your options, call us at (720) 638-0850.

It’s common to worry about being "underinsured." After all, no one wants to discover they lack the necessary coverage after an incident. However, the term "overinsured" is often more of a marketing term than an insurance reality. The truth is, there’s no such thing as having too much insurance. Just ask anyone who has been involved in an auto accident. Getting the proper protection for you and your vehicle is crucial, which is why drivers in the Wheat Ridge, CO area rely on the professional team at CO Insurance Specialist for their auto insurance needs.

The Reality of "Over insurance."

Auto accidents are unpredictable, and the damages, expenses, and related bills often exceed our expectations. This unpredictability challenges the concept of being "overinsured." When it comes to safety, protection, and having the coverage we need in the event of an accident, there’s no such thing as too much insurance. That’s why people in and around Wheat Ridge work with professional and experienced agents to get the coverage they need to handle any road trouble.

Auto Insurance Solutions for Wheat Ridge, CO Drivers

If you live in or around the greater Wheat Ridge area and have questions or want to learn more about auto insurance for your vehicle, we can help. Contact us at CO Insurance Specialist to find out more and schedule an appointment for the coverage and protection you need every time you drive.

Single-vehicle accidents occur more often than you might think and account for over half of Colorado traffic deaths. Single-vehicle accidents occur with automobiles, motorcycles, and commercial vehicles, and the coverage and liability issues to single- and multiple-vehicle accidents. Still, knowing what to do following a single-vehicle accident is essential. The CO Insurance Specialist team, serving Wheat Ridge, CO, will answer your insurance questions and provide the coverage you need.

Understanding Fault in Texas Single-Vehicle Accidents

Colorado is an at-fault state, so we have processes to determine who is legally responsible for injuries or damages resulting from an accident and who holds financial responsibility for the injuries and damages. Though it may seem counterintuitive, more than one person or entity may be at fault for a single-vehicle accident. Sometimes, the process finds the vehicle operator is not at fault or is only partially at fault for an accident. Those situations occur when the fault is due to:

• Ice, snow, fog, or other weather-related conditions
• Road faults such as potholes or broken pavement
• Street signage hidden from view
• Hitting an animal or items that fell off another vehicle
• Swerving to avoid another vehicle negligently entering your path
• Vehicle manufacturer or mechanic errors leading to a faulty vehicle

You should obtain a police report for all accidents. You can also help determine fault by safely documenting the accident scene. Pictures or videos that truthfully represent your version of the events may help identify contributing factors to the accident.

Working with CO Insurance Specialist

For those living in or near Wheat Ridge, CO, the team at CO Insurance Specialist will help you obtain the insurance coverage you need. Stop by the office today or call us at (720) 638-0850 to get started.