Auto Insurance

Auto insurance is mandated by state law in Colorado.  All drivers are required to carry minimum limits of at least $25,000/$50,000/$15,000, but the minimum is most times not enough to cover your valuable assets and your family and friends who are riding with you.  The state minimum insurance limits represent bodily injury maximums per person ($25,000) and per accident ($50,000).  If you injure another person in a car accident and the medical bills, lost wages and pain and suffering exceed $25,000 in costs, YOU would likely be held personally liable for claims over your limits.  With rising health care costs and increased litigation, $25,000 is likely not enough to protect you.
Liability Insurance is the cornerstone of your auto insurance policy.  Every-time you get behind the wheel, you are taking on the risks associated with automotive vehicles and as a result, you could be held personally liable for hundreds of thousands of dollars and even millions of dollars.  It is important to be certain that your liability coverage is keeping up with your assets and earnings so that your assets and wages would not be seized in the event of a unfortunate accident.
Uninsured/Underinsured Motorist  coverage is critical.  Uninsured motorist does not pay out to uninsured motorists.  Uninsured motorist coverage protects you from having to pay potential medical bills, loss of wages and pays you pain and suffering if an uninsured motorist causes you bodily injury.  We recommend carrying the maximum amount of uninsured motorist.
Medical Payments coverage acts as your primary health insurance coverage if something were to happen to you or your loved one while you were on the road. These payments cover all reasonable and customary expenses for necessary medical services furnished, up to the policy limits, at which time your own health insurance would take over.  All motorists in Colorado carry at least $5,000 in coverage, unless they waived the coverage. If you do not have health insurance, it’s a good idea to consider carrying maximum medical payment limits.  If you are injured in a car accident, your medical bills will add up quickly!
Collision Coverage pays for damage to your vehicle after hitting either a moving or stationary object.  Collision coverage, when combined with comprehensive coverage, is what banks and financial institutions mean by “full coverage”.
Comprehensive Coverage pays to fix your car for almost everything else.  Things covered by comprehensive are fire, explosion, theft, earthquake, vandalism, flood, hail and wind.  The only type of collision claim paid for under the comprehensive coverage is colliding with a bird or an animal. Comprehensive coverage, when combined with collision coverage, is what banks and financial institutions mean by “full coverage”.
Glass Coverage is an important piece of any auto insurance policy in Colorado.  Due to the snow and ice, CDOT lays gravel on our roadways during the winter months.  In the Spring and Summer, these rocks begin to cause chips and cracks in windshields.  Glass coverage will allow you to repair your windshield at no cost and if the chip has spread to a crack, you can replace your windshield at a lower deductible.
Don't know what types of insurance you need? Call us and we will help you navigate the different policy options to determine what is best to protect your vehicles and family!
Call RG Insurance Group at 303-779-4200 or Click Here to have someone reach out to you!

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Highlands Ranch Car Insurance & Castle Rock Car Insurance

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