Despite Colorado's insurance laws, some drivers still have no coverage. If one hits you, or a driver flees the scene, you could be left paying your own bills.
Uninsured motorist coverage steps in to protect you and your passengers.
Common situations we help with
Hit-and-run accidents
When the driver can't be found, there's no liability policy to claim against.
Drivers with lapsed policies
Some drivers let coverage expire.
Serious injuries
Medical costs can be overwhelming without coverage.
How we solve it
Bodily injury protection
Helps with medical bills, lost wages, and pain and suffering.
Hit-and-run coverage
May apply when the at-fault driver is unknown.
Combined UM/UIM
In Colorado, UM and UIM are often combined in one coverage.
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.
Uninsured Motorist Coverage for Colorado Springs residents
Colorado Springs drivers navigating busy roads like Academy Boulevard and Circle Drive benefit from strong UM coverage.
Our office at 3667 Star Ranch Rd serves Colorado Springs and nearby Broadmoor, Cheyenne Mountain, Skyway, Stratton Meadows, Ivywild, Fort Carson, Manitou Springs.
Uninsured Motorist Coverage FAQs
Does UM cover my car damage?
UM generally covers injuries. Collision coverage typically handles vehicle damage.
Does uninsured motorist coverage follow me?
It often applies when you're a passenger or pedestrian too.
How much UM coverage should I buy?
Many experts recommend matching your liability limits.
Related coverage
Clients who ask about uninsured motorist coverage often also review:
Underinsured Motorist Coverage
Protection when the at-fault driver's coverage isn't enough.
Collision Coverage
Repair or replace your car after a crash, regardless of fault.
Accident Coverage
Guidance and coverage for what happens after a car accident.
Car Insurance
Personalized car insurance quotes for individuals, families, and new drivers.