Like thousands of people across the country, you may be hitting the road to visit family or friends for the holidays. Before you go, make sure you have the protection you need by updating your auto insurance. You don’t want to be caught unprepared in the event of an accident. The following coverage from CO Insurance Specialist in Wheat Ridge, CO can protect you, your vehicle and others in the event of an accident.
Liability insurance protects the interests of others in accidents you cause. Like most states, Colorado has minimum liability insurance requirements. Minimum coverage, however, won’t be enough to protect you against serious accidents on the road. Holliday traveling increases your risk of an accident due to adverse winter weather and a greater amount of traffic on the road. Ideally, your liability coverage should be sufficient to protect your assets if you were sued for damages due to causing an accident.
Collision insurance covers the cost of repairing your vehicle if you crash into another car or object. Many drivers choose not to purchase this optional coverage as it raises premium costs. If you don’t have this coverage, you may want to add it to your policy to protect you against collisions on icy roads during your long-distance holiday travels.
Comprehensive insurance is also optional. It protects your vehicle against theft, vandalism, and damage caused by adverse weather. If your vehicle is damaged by winter weather during your trip or stolen at a rest stop, you’ll be glad you had this extra protection to get you through the holidays. Uninsured/underinsured motorist and roadside assist can also come in handy when traveling far from home for the holidays.
To learn more about car insurance coverage and costs, call or visit CO Insurance Specialist in Wheat Ridge, CO.