Most states and jurisdictions, including Lakewood, CO, require drivers to carry minimum liability auto insurance. This coverage helps pay for another person’s bodily injuries and property damage if you are found at fault in an accident. If you are caught driving without an active policy from a provider such as Colling Insurance Services Inc., you may face fines, license suspension, or other penalties. However, a small number of states do not require liability insurance.

New Hampshire Auto Insurance Requirements

New Hampshire does not require drivers to carry minimum liability auto insurance before driving. Even so, drivers are still financially responsible for damages if they cause an accident. If an uninsured driver is found at fault, they may be required to post a cash bond or show proof of financial responsibility to continue driving legally.

This system can work well for people who rarely drive or own vehicles kept parked, such as project cars stored in a garage. These drivers are not required to insure vehicles that are not being driven.

Virginia Auto Insurance and the Uninsured Motor Vehicle Fee

Virginia requires drivers to carry auto insurance, but it allows some drivers to opt out by paying a $500 uninsured motor vehicle fee each year. This fee does not provide insurance coverage. Instead, it allows drivers to legally operate a vehicle without insurance while remaining personally responsible for any damages they cause in an accident.

While the uninsured motor vehicle fee may cost less than monthly insurance premiums, it does not financially protect the driver. Uninsured drivers may still face lawsuits, license suspension, and significant out-of-pocket expenses if they are found at fault.

Auto insurance requirements vary by state. For example, Florida does not require bodily injury liability coverage, though drivers are still responsible for the damages they cause. In most states that are not no-fault states, the at-fault driver is financially responsible for accident-related costs.

In Lakewood, CO, state law requires drivers to carry minimum liability auto insurance. The agents at Colling Insurance Services Inc. can help you understand Colorado’s auto insurance requirements and find a policy that fits your needs. Contact us today to learn more.

A commercial vehicle accident can be overwhelming if you’re unprepared. Proper documentation and quick action are essential for a smooth insurance claim. If you’re managing delivery vans or an entire fleet, knowing what to do immediately after an accident is key. At Colling Insurance Services, Inc., serving Lakewood, CO, we help clients through the claims process. 

Prioritize Safety

Immediately after an accident, prioritize the safety of all parties involved and call 911. Filing a police report is often required, regardless of who is at fault.

Document

Take photos and videos of all vehicles involved in the accident. Retrieve the names of those who were in the crash, along with their contact information and insurance details. If possible, collect witness statements and the police report number. 

Notify Your Insurer

Once you have documented the scene and taken photo evidence, report your accident to your commercial auto insurance provider. This will include information such as the date, time, and location of the accident. Provide a description of what occurred, as well as your photo and video evidence. Include driver information and details about the damage to your vehicle. 

Working together with the right agency can make all the difference when dealing with the aftermath of a commercial accident. If you’re in or near Lakewood, CO, Colling Insurance Services, Inc. will help you find the right coverage for your commercial vehicles. And if you’re ever in an accident, we’ll be here to walk you through the claims process.