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Auto Insurance in Littleton, CO

If you own or operate a motor vehicle, auto insurance is integral to protecting your finances and future. Regardless of how safe and responsible you may be while behind the wheel, even a single slip of a tire or lapse in focus could have devastating consequences. Fortunately, an adequate auto insurance policy can provide critical financial assistance and limit your out-of-pocket losses.

What Does Auto Insurance Cover?

Like many types of insurance, the details of an auto insurance policy can often be customized to suit your specific needs and budget. In most cases, the following coverages should be included:

  • Liability coverage—If you are responsible for an accident from which another party accrues bodily injury or property damage losses, this coverage can help with the following losses and expenses:
    • Medical bills
    • Lost income
    • Death benefits (e.g., funeral costs)
    • Repairing or replacing damaged property
  • Collision coverage—This coverage can help pay to repair or replace your vehicle if you strike another vehicle or a stationary object, such as a building, fence or sign.
  • Comprehensive coverage—This coverage can insulate you from damages arising from incidents not included in collision coverage, such as the following:
    • Fire
    • Weather damage
    • Theft
    • Vandalism
    • Striking an animal
    • Falling objects (e.g., rocks, tree limbs)
  • Medical payments (MedPay) coverage—By including this coverage in your auto policy, you and your passengers may be able to access funds to help pay for medical bills regardless of who was at fault for an accident.
  • Uninsured/underinsured motorist coverage—If another party was responsible for an accident but lacks enough insurance to pay for your losses, this coverage can compensate for their deficiency.

How Much Auto Insurance Do I Need?

Your legal obligations related to carrying auto insurance may vary depending on the state you live in. Colorado and Arizona have similar minimum liability requirements. It’s possible that auto insurance only satisfying legal minimum requirements may not be sufficient to cover the losses of an accident, so it’s a good idea to explore additional coverage. Without it, your out-of-pocket costs after an accident could be devastating.

Does Auto Insurance Cover Rental Cars?

When it comes to rental vehicles, drivers should make sure they understand whether their auto insurance will be applicable. Certain limitations or exclusions may apply, which could lead to you lacking coverage if an incident involving a rental occurs. For example, if a vehicle you are renting differs significantly from that which you own as it pertains to make, model or value, additional rental insurance may be necessary. Furthermore, what you plan to use your rental for may also impact your coverage. In these situations, you should contact your insurance agent to ensure you are financially protected.

Get the Right Coverage

At A Complete Auto Insurance, our experts are well-equipped to help drivers in Littleton, Denver and throughout Colorado and Arizona understand and address their auto coverage needs. We will work with you to build an insurance policy that provides optimal protection at the best price. Contact us today to get started.

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