Colorado moved away from mandatory personal injury protection years ago, so medical coverage in your auto policy depends on the choices you make.
We explain medical payments coverage and how it works with your health insurance so injuries after a crash don't become a financial crisis.
Common situations we help with
High deductibles on health insurance
Health plan deductibles can leave large bills after an accident.
Passengers without insurance
Friends or family riding with you may not have coverage.
Waiting on fault decisions
Liability claims can take time to resolve.
How we solve it
Medical payments coverage
Helps pay medical costs regardless of fault.
Coordinated with health insurance
Fills gaps such as deductibles and copays.
Passenger protection
Coverage for people riding in your vehicle.
The outcome: coverage you understand, priced fairly, with a local agent behind it.
Start with a free consultation. We'll review your current policy and show you real options.
Injury Coverage for Colorado Springs residents
Colorado Springs families driving to school, practice, and the mountains benefit from medical payments coverage that protects everyone in the car.
Our office at 3667 Star Ranch Rd serves Colorado Springs and nearby Broadmoor, Cheyenne Mountain, Skyway, Stratton Meadows, Ivywild, Fort Carson, Manitou Springs.
Injury Coverage FAQs
Does Colorado require PIP?
No. Colorado has an at-fault system, but insurers must offer medical payments coverage, which you can decline in writing.
How much MedPay should I carry?
Common amounts start at $5,000. We'll discuss your health plan deductible.
Does MedPay cover pedestrians?
It may cover you as a pedestrian struck by a vehicle, depending on your policy.
Related coverage
Clients who ask about injury coverage often also review:
Accident Coverage
Guidance and coverage for what happens after a car accident.
Uninsured Motorist Coverage
Coverage when you're hit by a driver with no insurance at all.
Underinsured Motorist Coverage
Protection when the at-fault driver's coverage isn't enough.
Motorcycle Insurance
Coverage for cruisers, sport bikes, and touring motorcycles.