Uninsured Motorist Coverage — Colorado
Uninsured Motorist Coverage pays your medical bills and vehicle damage when an at-fault driver has no insurance or flees the scene.
Free to compare
What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage kicks in when you're hit by a driver with no insurance, insufficient coverage to pay your damages, or who leaves the scene without identification. It pays your medical expenses, lost wages, vehicle repair costs, and pain and suffering up to your policy limits. The coverage operates like the other driver's liability insurance should have — it pays what they owe you but can't cover because they have no policy or inadequate limits. Colorado law allows you to reject this coverage in writing, but that rejection means you bear full financial responsibility if an uninsured driver causes a crash.
Who Needs Uninsured Motorist Coverage Insurance?
You need Uninsured Motorist Coverage if you're driving with a suspended license and maintaining insurance to satisfy reinstatement requirements — you're statistically more likely to encounter uninsured drivers in high-risk corridors, and you can't afford the financial hit of an uninsured crash while also managing reinstatement costs. It's also critical if you carry liability-only insurance because you don't own a vehicle or can't afford collision coverage — UM is the only coverage that pays your medical bills and lost income when someone else causes the crash.
If the answer is your savings or a payment plan you can't afford, buy Uninsured Motorist Coverage. If the answer is existing health and collision coverage that leaves you whole, you can skip it but verify your health plan covers auto injuries without subrogation limits. For drivers under suspension, UM coverage is cheap insurance against a catastrophic financial loss during a period when you're already financially strained.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- The local uninsured driver rate in your county — Denver and Pueblo counties have higher uninsured rates than suburban Douglas or Larimer counties, which can raise premiums slightly.
Related Coverage Types
