10/09/2025
**Colorado Insurance Question: Are You Under-Insured?**
What happens if you're liable for an accident in Colorado and the resulting property damage exceeds your liability coverage?
In Colorado, the state minimum for Property Damage Liability is just **$15,000**.
As a claims adjuster for 10 years, I can tell you from experience that this limit is dangerously low. I've personally handled claims where:
The rear bumper damage alone on a newer, high-end vehicle exceeded **$10,000**.
The repair or replacement for some city light pole knockdowns ran over **$15,000**.
The Hard Truth: If you are at fault for an accident and the damages are more than your $15,000 coverage limit, you can be held personally responsible for the rest. That means the injured party can pursue your personal assets, including your savings, investments, or even your wages—to cover the remaining balance.
Don't let a minor policy savings put your financial future at risk.
Is it time for a policy review? Let's check your limits and make sure you're properly protected on Colorado roads.**
Call or message me today for a free, no-obligation policy review!**
