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 pays for your injuries and property damage when the at-fault driver has no insurance, carries limits below your policy minimums, or leaves the scene. Claims pay through your own carrier, not the at-fault driver's nonexistent policy.
Who Needs Uninsured Motorist Coverage Insurance?
Suspended drivers reinstating with SR-22 filings should carry UM coverage because you're legally required to maintain continuous insurance during reinstatement, and a hit-and-run or collision with an uninsured driver during that period leaves you paying out-of-pocket without UM protection. Drivers purchasing non-owner SR-22 policies face the same risk as passengers or when driving borrowed vehicles — UM bodily injury covers your medical costs regardless of which vehicle you occupy when hit by an uninsured driver. If your suspension stems from financial hardship like unpaid fines or lapsed insurance, UM coverage prevents a second financial crisis when an uninsured driver causes a collision you can't afford to absorb.
Calculate your out-of-pocket exposure if an uninsured driver hits you tomorrow: add your health insurance deductible, vehicle loan balance or replacement cost, and lost wage risk if injured. Reject UM only if you're judgment-proof with no assets, no vehicle equity, and health coverage with zero auto exclusions — and understand that Colorado carriers will require written rejection, which means acknowledging the risk in a signed document.
Related Coverage Types
