Drivers in Colorado are required to carry the minimum coverage level of auto insurance. Automobile insurance provides limited coverage for property damage and injury after a car accident. Bodily injury liability insurance covers the costs when an accident causes injury to another, including your passengers, other drivers, or pedestrians.
If you are injured in an accident caused by another driver, the other driver's insurance should cover your damages. Damages in a car accident generally include medical expenses and loss of income if you cannot work. However, the insurance coverage is limited and the driver may be personally liable for any losses beyond the insurance limits.
Minimum Insurance for Denver Drivers
Under Colorado law, the minimum amount of auto insurance liability coverage are as follows:
- $25,000 for bodily injury or death to any one person in an accident;
- $50,000 for bodily injury or death to all persons in any one accident; and
- $15,000 for property damage in any one accident.
Drivers can opt for higher levels of coverage and it is often recommended to carry more than the minimum, depending on the driver's situation. An injury accident can quickly exceed $25,000 in damages, especially if the injury victim suffers head, neck, or back injuries and is unable to return to work.
Bodily Injury Insurance Limits
For bodily injury insurance, the limits for any one person injured is coverage of up to $25,000 in damages. If two or more people are injured in the accident, the total coverage cannot exceed $50,000. The insurance company will not cover losses beyond the level of insurance coverage.
For example, Driver A is injured in a car accident caused by Driver B with minimum insurance coverage. Driver A's medical bills amount to $30,000. Driver B's insurance will cover $25,000 of the bills but Driver B will be responsible for paying the other $5,000.
If Driver A also has 2 other passengers in the car, and each suffers $30,000 in injuries (for a total of $90,000 in damages), Driver B's insurance will cover $50,000 of the total damages and Driver B will be responsible for paying the other $40,000.
What Does Bodily Injury Insurance Cover?
Bodily injury insurance covers the costs associated with an injury accident, including medical expenses, loss of income, pain and suffering, and funeral costs.
Medical expenses can include short-term injuries or long-term medical care. Similarly, loss of income can cover a short period when the individual is not able to return to work or the loss of earning potential for a permanent injury.
Bodily Injury Insurance in a Lyft or Uber Accident
The insurance coverage in a Lyft or Uber accident may be different than other accidents. The insurance coverage limits depend on the driver's status at the time of the accident, including:
- App is Off Status
- App is On Status
- Prearranged Ride Status
Denver Accident Lawyers
The at-fault driver's insurance is supposed to pay for the injury victim's damages. Unfortunately, the other driver's insurance company may not make it easy to pay for your losses after an accident. The attorneys at accidentdenver.com will deal with the insurance company so you can focus on recovery. Contact us today for a free consultation.