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Learn the Different Types of Auto Insurance

auto insurance form with car keys

Most of us are aware that we need auto insurance, but knowing which option to choose can be complicated. There are several different types of car insurance, each with varying degrees of coverage. Researching the types of auto insurance before you buy will ensure you have the policy that best suits your needs.  Auto Insurance Types and Differences Liability Insurance In most states, liability insurance is a basic requirement in order to legally drive a car. This type of insurance covers damages to personal property and bodily injury as a result of an accident. An important aspect of liability insurance is that it typically...

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The Blind Spot: Who Is At Fault in an Accident

sideview mirror for checking blind spot

Blind spot accidents account for approximately 840,000 accidents and 300 deaths every year. These types of accidents occur for various reasons and in a wide variety of circumstances but, in essence a blind spot accident occurs because one driver did not see another. Who, then, is at fault in such a situation? Is it the driver who failed to see the other vehicle, or is it the driver who knowingly or unknowingly entered the other car’s blind spot?  The answer to this question is not always straightforward. Generally speaking, the person who did not have the right of way at the...

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Does Auto Insurance Cover Car Theft?

thief attempting to break into vehicle at night

The state of Colorado has seen an alarming increase in the number of car thefts in recent years. In fact, as of 2022, it is the top state in the nation for auto theft, with over 24,000 cars already stolen in the first half of this year. If you or someone you know has been a victim of car theft, you may be wondering what to do next and if your vehicle’s insurance will reimburse you.  Why Is Car Theft on the Rise? The most likely reason that car theft is increasing is because it is more lucrative. Inflation and supply chain...

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Slip and Fall Lawsuit

woman falling down concrete steps

In the US, slip and fall accidents result in over 1 million visits to the emergency room annually. Injuries caused by these accidents can be severe, and they account for 85% of all fractures sustained by individuals over age 65. While many slip and fall accidents occur within our own homes, there are plenty of instances when they happen on someone else’s property as a result of negligence. In these cases, you have the right to pursue legal action in the form of a slip and fall lawsuit against the person(s) responsible.  What is Premises Liability? Slip and fall cases typically fall...

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Dog Bite Injuries in Colorado

brown and black dog snarling

In most cases, we don’t deserve dogs. Their loyalty, friendship, and service are something mankind has cherished for centuries. In the US, we love dogs so much that 48 million households have at least one canine companion. Unfortunately, with that many dogs, the incidence of dog bites is also on the rise. The CDC reports about 4.5 million dog bites every year, with over 800,000 bites needing medical care. It is important to know your rights and what steps to take should you or a loved one experience a dog bite.  Colorado Dog Bite Law In Colorado, Revised Statutes §13-21-124 state that...

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Single Car Accident Insurance Claims

woman on phone after single car accident

The majority of car accidents involve at least two vehicles. However, there are times when only one car may be involved. These accidents, also called “single-car” accidents, occur for a variety of reasons and can be very difficult to prove on an insurance claim. You will need to take careful steps to document your single-car accident in order to receive compensation for damage to your car or for bodily injury.  What Causes Single Car Accidents? Single-car accidents can be caused by any number of reasons, but one of the leading causes is driver negligence. This can be in the form of distracted...

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Common Colorado Insurance Claims for Fall

deer in the woods

The arrival of Fall brings cooler days and a collective excitement for the upcoming holidays. Unfortunately, the drop in temperature and festive hustle-and-bustle can also result in an increase in certain types of insurance claims. Knowing the most common types of insurance claims filed in the fall can help you protect yourself against seasonal risks.  Top 4 Fall Insurance Claims in Colorado 1. Water Damage Water damage from freezing pipes is one of the most common insurance claims filed in colder weather. Inspect your plumbing system and irrigation system for signs of damage and make repairs as soon as possible. Take steps to...

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How to Get Your Pipes Ready for Winter

frozen pipe downspout

Freezing pipes account for a significant percentage of homeowners insurance claims during the colder months. Preparing pipes for winter ahead of time can help you avoid the inconvenience and expense of repairs.  Are Frozen Pipes Covered by Homeowners Insurance? In many cases, yes, your homeowners insurance should cover the damage (minus your deductible) resulting from burst pipes. This scenario falls under “accidental water damage,” which is generally covered under the dwelling protection component of your policy.  That being said, there are a couple exceptions when your claim may be denied: Damage occurred due to lack of routine maintenance Just as with other areas of the...

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Open Door Motorcycle Accidents in Colorado

car with door open

Most of us don’t give much thought to opening our car doors when parked along a road. We might absent-mindedly glance into the side view mirror to check for any oncoming vehicles, then fling open the door and go about our business. But this simple act can have significant consequences for an unseen motorcyclist, who risks injury or even death as a result of the sudden obstacle.  When a motorcyclist crashes into the passenger or driver’s side door of a motor vehicle, it is called an “open door crash.” Open door crashes may also occur when a motorcyclist suddenly swerves to...

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Phantom Vehicle Insurance Claims

woman on phone looking at car damage

Automobiles that are responsible for causing accidents without making physical contact are known as “phantom” vehicles, and they pose a serious threat. Most drivers will, at some point, find themselves in a situation on the road where they are compelled to make a risky maneuver due to the recklessness of another driver. They may have to suddenly swerve to miss hitting another vehicle, slam on the brakes, or veer quickly to the shoulder in an attempt to avoid an accident.  Sometimes these maneuvers pay off and a serious accident is averted. Other times, the worst happens: a collision still occurs, and...

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