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Families should sit down with their insurance agent or company representative to determine the right amount for each individual and family.

Download PDF Version In 2009, approximately 30,000 lives were lost on our Nation’s highways Although 30,000 reflect a 28% decrease in traffic fatalities since 2006, much can still be done to address this issue on our Nation's highways Traffic crashes are the primary cause of debilitating injuries in the United States and the number one killer of Americans under the age of 34 In addition to staggering emotional costs, the annual economic loss to society because of these crashes, in terms of worker productivity, medical costs, insurance costs, etc , is estimated at more than 0 billion Clearly, there is a need for dramatic improvement in motor vehicle safety Getting unsafe vehicles off the road is integral to improving safety and saving lives. Chapter 301) gives the Department of Transportation’s National Highway Traffic Safety Administration (NHTSA) the authority to issue vehicle safety standards and to require manufacturers to recall vehicles that have safety-related defects or do not meet Federal safety standards.

Comprehensive is optional coverage, though your bank may require it if you have an auto loan. If you can afford more insurance, carrying more than the mandatory minimum requirement is recommended.

Think about the amount of insurance you'll need when you need it the most.

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You can purchase additional coverage to pay for damage to your car if hit by an uninsured motorist, but many people instead just purchase collision and comprehensive.

The new law also requires your insurer to hold ,000 of your medical payments coverage for 30 days to pay for trauma bills first.

Collision coverage covers damage to your car if you run into another car, a brick wall, a fire hydrant, or other object.

You may select limits starting at ,000/,000 (same as Colorado's minimum liability limits) on up to the same amount of liability coverage you purchase on your own policy.

Most people choose to carry it because it can cover your economic damages such as medical bills, as well as some non-economic damages should the person who hit you be uninsured or underinsured.

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