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Coverages


What is “BI” or Bodily Injury Coverage?

Bodily Injury Liability Coverage will pay out for damages resulting in Property Damage and Bodily Injury in the event that YOU cause a motor vehicle accident. The limit of coverage should be high enough to cover the other person's medical expenses and property damage. The minimum amount of coverage for bodily injury liability policy required by Colorado law is $25,000 per person, $50,000 per incident but you shouldn't settle for minimums.


What is UM/UIM Coverage?

Uninsured / Under-insured Motorist

UM/UIM is used when another person collides with you, while you are in your vehicle, and does not have insurance or basic liability (Bodily Injury Coverage). If the other individual has no coverage, your own UM/UIM coverage will provide up to your selected limits to pay for medical expenses, pain & suffering and even loss of earnings. Meaning no out of pocket expenses. Your UM/UIM coverage will always match or exceed your BI limits but should never be less. If you choose to decline this coverage, you will most likely be asked to sign a waiver.

 

DO I NEED MED-PAY COVERAGE IF I HAVE HEALTH INSURANCE?

MED-PAY or Medical Payment is for any bills that involve medical treatment if you are in an accident on the road or get injured at your home. If you have health insurance, Med-Pay  can pay your deductible. So, if you know you have high deductibles, this would be a great way to avoid any out of pocket expenses.


How to File a Claim?

Call us immediately! Getting into an accident can be frightening. Please give us a call and we will walk you through every step, or if you prefer we will file the initial claim for you. You can also fill out our "Contact Us" section and let us know what happened in simple terms and you will be called shortly thereafter.


The Quoting Process


Quoting Through Our Website

Getting a quick response for a quote is easy when you go to the quoting tab. There you will be able to enter your information for a home/renters and auto quote. If you want a specific quote about anything else such as life, professional/general liability, health, specialty or anything other than Home/Auto, then you will need to fill out the short questionnaire and specify what you are looking for.


Response Time

After your information is submitted we will give you a call within 2 hours to have a preliminary discussion about what your interested in getting coverage on. After your needs are established we will indicate any additional information we might need to process an accurate estimate. Once all your information has been gathered, we will follow up with you not more than 24 hours later to discuss your insurance options. 


How to Maximize Your Discounts

If you know that in the future you will need insurance or you are just interested in seeing what new, better prices you can get, let us know right away! Issuing your policy with an effective date as much as one day in advance will save you money.


When we shop for anything, whether it be groceries, tools, insurance etc. and we only are looking to get that ONE thing, we always end up looking at all our options. If you are seeking a new auto policy or a homeowners/renters policy, be sure to give us all the information we need to give you options on your renters AND auto insurance or home, auto AND umbrella. Adding these other policies will not only allow you to see the better coverages we provide but also drastically reduce your premium because of the Multi-Policy discount, which can get you up to 20% off.

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