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Getting the right amount of auto insurance coverage protects you from financial losses in case of a car accident. It helps you to pay for liability claims and the costs of repairing or replacing your car after an accident. Protect your vehicle in Lakewood, CO by getting the help of Colling Insurance Services, Inc. The trained and experienced agents will help you to find the right type and amount of auto insurance based on your needs. The following are some of the coverage options and how much you need.
Liability Coverage
Colorado drivers must have a minimum of $25, 000 per person for bodily injury liability, $15,000 for property damage liability, and $50,000 per accident for bodily injury. You should, however, try to carry liability coverage that is above the state’s minimum requirement. The amount of liability coverage you take depends on your assets and how much you have to lose in case of an accident. If you do not have enough liability coverage, you may have to sell your assets to settle payments when you are held liable for an accident
Collision Coverage
Collision coverage compensates you for the cost of repairing or replacing your car after an accident. Consider the amount of money it takes to repair or replace your vehicle and get the appropriate amount of insurance coverage. If you have a new or expensive, you should get as much collision coverage as possible. The same applies to comprehensive coverage.
Extended Coverage
Some people need more than the basic auto insurance coverage options. Extended coverage options such as umbrella insurance offer supplemental protection.
Speak to your insurance agent to find out how much auto insurance is enough for your needs.
Contact Colling Insurance Services, Inc. for your auto insurance needs in Lakewood, CO.