In Denver, it's a legal requirement for drivers to have certain insurance coverage to be allowed to drive their vehicles on public roads. These rules exist to protect drivers and others who might get involved in car accidents. Here's a look at the compulsory insurance coverages in Denver:
Liability Insurance: Every Denver driver must have this insurance. It's used to pay for any bodily harm or property damage that you might cause others in a car accident. According to Colorado law, the minimum coverage you must have is:
$25,000 for each person hurt in an accident
$50,000 total for bodily injury if more than one person gets hurt
$15,000 total for damage to property in each accident
Uninsured/Underinsured Motorist Coverage (UM/UIM): Denver drivers must also have UM/UIM coverage as part of their car insurance. This helps you if you're in an accident where the other driver doesn't have insurance, or if their insurance isn't enough to pay for the damage they caused you.
These are the minimum insurance requirements in Denver, but drivers have the option to purchase additional coverage beyond these minimums for enhanced protection.