An additional liability coverage which is not required by law that you may want to include in your Colorado Springs auto insurance is uninsured motorist coverage. This liability coverage is actually to protect you. If you are involved in an accident that is not your fault and the responsible driver does not have liability insurance or does not have enough liability coverage to cover your damage; your uninsured motorist coverage will kick in.
Uninsured motorist coverage is the only liability coverage on your Colorado Springs auto insurance coverage that will protect you and not the other driver. UM insurance will pay for your injuries, such as medical and lost wages if the at fault driver has no insurance. UIM insurance pays for the same injuries as your UM coverage but by a driver who has too little insurance. Often times these two coverages will be written together in your policy.
Your Colorado Springs auto insurance is something that should be discussed with a professional insurance agent. There are instances where a policy may automatically include these coverages and you could save some money by excluding the coverage. Your professional insurance agent will be familiar with these coverages and how they work within a policy and will provide you with the information you will need to make an informed choice. Be sure your agent is clear as to what coverages you have