How to choose an auto insurance policy?

How do I pick the best auto insurance policy?

Deciding on an insurance policy requires careful thought and research. Danny Foster, a Denver car accident attorney, has worked with insurance companies, and has experience and knowledge in how different policies can benefit people. He is able to advise clients on what the best coverage policy would be to suit their needs.


“One of the most important things you can do when picking out your policy is make sure that you maximize the medical payment component of your own auto policy. What will that do if you are involved in an accident? That will pay for emergency medical care and maybe even additional long term rehabilitative care, in case you’re involved in an accident. Even if you’re not responsible for the accident, it’s called your medical payment provision of your insurance. In addition when you use that money, let’s say you use $10,000 of your med pay and you resolve your personal injury claim under Colorado law you do not have to reimburse that money to the insurance carrier under virtually all circumstances.

Think about maximizing your med pay provision on your insurance policy. Another smart idea when picking out your automobile insurance policy is to maximize your uninsured or underinsured motorist coverage. What will this do in the state of Colorado? If you are injured by an individual who either was uninsured or did not have enough insurance to compensate you or your family for their injuries, your own insurance company will step up to the plate or should step up to the plate. Reimburse you for medical expenses, future medical expenses, lost income, as well as non economic losses such as permanent impairment, disfigurement, a reduction in the quality of life.

It’s very important to not only maximize your underinsured, uninsured motors coverage. In many cases, I advise my clients to also get an umbrella on their house and auto. There relative cheap policies and make sure that your umbrella covers uninsured or underinsured motors coverage, so that you get an additional million dollars of coverage or two million dollars of coverage in case someone injures you and there’s a catastrophic loss to you or your family.”