Accidents Involving Animals
If you were involved in an auto accident but it wasn’t with another person or vehicle, you are probably wondering how you are going to get your vehicle repaired. The fact is, accidents involving other things such as falling objects and animals do occur in Longmont, Colorado and you should know which type of car insurance coverage in your policy is going to help cover the costs to have your car or truck fixed. Therefore, we are going to focus on accidents involving animals and what part of your policy you can turn to help pick up the unexpected costs that have accrued.

Will my insurance cover an accident involving an animal?

Comprehensive car insurance is an optional coverage you can purchase through your insurer that is used to protect your vehicle from damage that arises from accidents other than those involving other motorists. Comprehensive coverage will cover damage from any of the following:

  • Falling objects
  • Fire
  • Certain natural disasters
  • Vandalism
  • Theft
  • Glass damage
  • Damage from hitting an animal

Comprehensive coverage can help pay for things such as vehicle repairs or even cover the cost to replace it in the event it is deemed as a total loss. So, if an animal ran across the street and you accidentally hit them, the damage from this accident would be covered if you have comprehensive coverage added on to your policy. You check through your policy or contact an insurance agent and have them read through the details to determine if your accident is worthy of being covered.
If your insurance carrier isn’t willing to cover the damages that have amounted from your recent accident, don’t hesitate to contact one of our skilled accident lawyers in Longmont, Colorado. They can explain what your rights are in this situation and how to go about handling it.

What if I was involved in a different type of accident?

Aside from the accidents mentioned above, there are several other types individuals engage in. Car insurance will generally pick up the costs for things like vehicle repairs, personal injuries, and damage done to other vehicles if you have purchased the appropriate types of coverages. While not all insurance is required, there is a minimum requirement you must be carrying if you are driving in Longmont, Colorado. What are the minimum insurance requirements a Colorado driver needs? A driver in Colorado must be insured with liability insurance and be carrying the specified amounts as stated under Colorado Law.

What is liability insurance and what limits must I be carrying?

Liability insurance is the type of insurance the state of Colorado requires you to have and it generally covers property damage you cause to another individual’s vehicle through your negligent actions. It also covers bodily injury you cause to another as well. Those who you grant permission to operate your vehicle would be covered with this insurance in the event they engage in a car accident.
Currently, a driver must carry the following limits under their liability insurance coverage:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $15,000 per accident for property damage

Therefore, if you were to cause an accident that resulted in someone suffering an injury, your insurance would likely pay up to $25,000 per person if you only purchased the minimum requirements.
In the event you were recently involved in an accident and have some questions pertaining to what your damages are worth and if you are at risk of being sued, contact us now. We can help you locate a nearby accident attorney in Longmont, CO who is more than qualified to assist you.