Passenger seat: Are you covered by the driver’s insurance in Lakewood, Colo.?

Auto insurance provides financial protection shoud you suffer a serious car accident. But what about the person in the passenger seat next to you? Who pays for whatever medical costs that person incurs following an accident? In Lakewood, Colorado, that depends: The person in the passenger seat might be covered by the drivers insurance, but only if that driver pruchased personal injury protection as part of his or her auto insurance policy.

Personal injury protection isn’t required by law in Colorado, though it is in several states. But it might prove to be a worthwhile investment.

If you get into a car accident that you caused, you might suffer serious financial consequences if the person in the passenger seat next to you is injured. Medical care is expensive. Without the right insurance protection, you could be responsible for paying at least some of these costs.

Fortunately, you can avoid this risk by making sure personal injury protection is included in your auto insurance coverage. And with the ability that you have to shop around for the right insurance policy, you won’t have to spend a small fortune to include personal injury insurance in your auto policy.

Your best option is to search for live auto insurance rates online. Today, instead of calling local insurance companies, you can find the information you need to make an informed insurance decision online. The live quotes you find will tell you how much a particular insurance policy will pay and what level of protection it will offer. You can quickly compare, then, auto insurance policies with personal injury protection to see which offers the best value for your dollars.

Auto insurance isn’t cheap. And when you boost it with such additions as personal injury insurance, its price will rise even higher. But that cost might pale in comparison to the fees you’ll have to pay should your passenger suffer a serious injury because of an auto accident that you caused.