Does Insurance Follow the Car or Driver in Colorado

Does Insurance Follow the Car or Driver in Colorado

Every driver is required by state law to obtain automobile insurance. Though many people has been asking does insurance follow the car or driver in Colorado

The minimum coverage requirements for bodily injury liability and property damage liability must be met by this insurance.

They have the right to file a claim against your motor insurance coverage to recover damages if you cause an accident with another driver.

Many individuals erroneously think that their auto insurance accompanies them regardless of the vehicle they drive.

READ ALSO: Does A Car Need Insurance If Not Being Driven

This is untrue; in fact, auto insurance covers the policyholder’s car, not the policyholder personally.

This means that if you borrow someone else’s car, you are also effectively borrowing their insurance policy, and if you cause an accident, this insurance policy will be used to compensate you.


Insurance follows the covered vehicle, not the driver, just like in the majority of other jurisdictions.

The other driver has the right to file a claim against the car owner’s insurance coverage if you drive someone else’s automobile while you’re borrowing it and cause an accident.

If you borrow someone else’s car and they don’t have insurance, they will be fined for not having insurance as required by law, but since you were the one who caused the accident, you will be liable for the other driver’s damages.

Can You Have Car Insurance if You Do Not Own a Car?

It’s possible to purchase non-owner car insurance if you do not own your own vehicle but spend time driving other vehicles.

This type of insurance will cover the same basic coverage types that a standard policy must cover, but it will likely be more expensive to maintain than a standard policy.

What Happens if Someone Else Drives My Car and They Are Hit by Another Driver?

Colorado is a no-fault state, therefore the person who causes the collision is responsible for paying for the damage.

You can submit a claim against the at-fault driver to collect car repair costs if someone else is operating your vehicle when they are struck by another motorist.

If the individual who rented your automobile was hurt, the at-fault driver’s insurance may also be able to pay for their medical bills.

But if the individual who rented your automobile suffered more losses than the at-fault driver’s insurance can cover, they will need to file a personal injury claim to get the rest of their losses paid for.

How Much Does It Cost to Hire an Attorney for a Car Accident Case?

The appropriate lawyer can have a huge impact on how well your rehabilitation after a car accident turns out if you need legal advice.

The Law Office of Jeremy Rosenthal accepts personal injury claims on a contingency fee basis, so your fee will only be a part of the overall amount we recover for your damages.

If for any reason we are unable to secure compensation for you, you pay nothing.