Many Colorado drivers carry only minimum liability limits. If one of them causes a serious accident, their coverage may run out long before your medical bills do.
Underinsured motorist coverage helps fill that gap so you aren't stuck with the difference.
Common situations we help with
Minimum-limit drivers
A $25,000 limit can be exhausted quickly by serious injuries.
Lost wages
Time off work adds to the financial impact.
Long-term recovery
Physical therapy and future care are expensive.
How we solve it
Gap coverage
Pays the difference when the other driver's limits fall short.
Matched limits
We often recommend UIM limits that match your own liability.
Household protection
Can extend to family members in many situations.
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.
Underinsured Motorist Coverage for Colorado Springs residents
With heavy traffic on Powers Boulevard and I-25, Colorado Springs drivers face real exposure to underinsured drivers.
Our office at 3667 Star Ranch Rd serves Colorado Springs and nearby Broadmoor, Cheyenne Mountain, Skyway, Stratton Meadows, Ivywild, Fort Carson, Manitou Springs.
Underinsured Motorist Coverage FAQs
What is underinsured motorist coverage?
It pays for your injuries when the at-fault driver's insurance isn't enough.
Is UIM required in Colorado?
Insurers must offer it, and you must reject it in writing if you don't want it.
What's the difference between UM and UIM?
UM applies when the other driver has no insurance; UIM applies when they have too little.
Related coverage
Clients who ask about underinsured motorist coverage often also review:
Uninsured Motorist Coverage
Coverage when you're hit by a driver with no insurance at all.
Injury Coverage
Medical payments coverage for you and your passengers after a crash.
Accident Coverage
Guidance and coverage for what happens after a car accident.
Auto Insurance
Full auto coverage for Colorado roads, from I-25 commutes to mountain drives.