Colorado Auto Insurance

Colorado Auto Insurance questions and answers

Looking for Colorado Auto Insurance? Check out the LemonFree Cars.

Q: Looking for auto and home insurance recommendation in Castle Rock, Colorado?
We will moving from Wisconsin to Castle Rock, CO in January, 2007. We are building a new home there. We would appreciate any auto and home insurance company recommendations & comments in that area for the best coverage & service at the lowest cost.

A: There are so many good home and auto insurers that to single any one out is a disservice to all of them. If you currently have auto and homeowner's insurance in Wisconsin and you are happy with the company(s), then just ask your current agent for an agent recommendation for your new location. Be prepared. Wisconsin is among the lowest priced states in the nation for auto insurance (Colorado used to be among the highest until it dropped No-Fault insurance a few years ago...not it is middle of the pack). And, Wisconsin is the cheapest state in the nation for its average homeowner's premiums. So, you are likely looking a pretty healthy increase in your premiums no matter what company you pick.

Q: is pip auto insurance required in the state of Colorado?


A: Yes it is. Here is all the state minimums http://info.insure.com/auto/minimum.htm

Q: Im moving from Pa to Colorado, any culture shocks, laws, auto laws, etc; that i should be aware of?
In two years i am moving to the Leadville area in Colorado from Latrobe Pennsylvania. I'm moving for college purposes but plan on staying there for a long time. Is there any suggestions people have:? Maybe some culture shock i should be aware of? Laws that are different? Pet info? Auto ownership/driving/auto insurance laws? Ways to meet people? things to do? Anything is welcome concerning my move.

A: Culture shock, no. Do be aware that Leadville is at 9,000 feet elevation. You may very well get altitude sickness your first few weeks here. Drink alot of water, avoid alcohol, and get alot of rest at first.

Q: I moved from Ohio to Colorado. Do I need to transfer the title to register my vehicle?
I have already applied for my Colorado Driver's License. That will be coming in the mail. I have my Ohio vehicle title and I have auto insurance through Progressive in Ohio. What's my next step?

A: Yes take your ohio title and insurance info to the colorado dmv and change the title to a colorado title and tags. You also need to call the insurance and tell them your new address in Colorado.......md

Q: how do you word a prosposal for a insurance settlement?
auto accident with injuries. Colorado Casualty being difficult to deal with in paying medical bills incurred.

A: Normally in an injury settlement, the company will not settle until you have completed treatment; if you are still treating, then no settlement will be offered at this time; if you have completed treatment, then most likely they will request your medical records and bills for consideration; depending if you had a "soft tissue injury aka whiplash", will not give you a lot of value; they also look at how much damage your car had; if minimum, then injury is less; but if your car was really damaged and hit hard, it would be considered to be worth more; they also look to see if you had any pre-existing condition that was aggravated due to this accident; if so, then they can deduct, but if all injury was due to this accident, would be considered; they might be looking at the fact they believed you treated too much or the amount of your medical bills to be unreasonable; if you had a serious injury; ie; scarring, disfiguration, fractures, surgery or a permanent impairment, etc, that is a different matter; if a serious injury, could be worth quite a bit more and they take more time to evaluate it before making an offer; there are so many factors and each case is evaluated one by one; it could be that the adjuster is backlog and cant get to it; it is not uncommon for adjusters to work 50 to 60 hours a week trying to keep up; this is just a general idea; you might want to call and ask them what their procedures are and what kind of time frame they have in mind before they offer you a settlement; good luck

Q: I also would like help with how much money to ask for in my auto accident case?
Thank you jmayer5025 for your reply. I already have an attorney and after a year of the insurance company denying my claims, this attorney got a reconstructionist company to look at my case, because in Colorado you have to prove the liablitiy of the other person, especially when the cops don't give out a ticket. This company wrote a complimentary letter stating 100% of the liablitiy was this girl's. So now the insurance compnay wants us to put together a settlement amount to present them with & not file the lawsuit right now. We have a great chance to settle very soon, but I know I need to have money for a future surgery and ongoing therapy and medications probably for the rest of my life. My spine doc said for me to use therapy and anything else to help me cope with pain until I can't ake anymore & then surgery. This is because I am only 36 & in good shape, the advise me to try & cope as long as possible as there are new alternatives delveloping. I don't want to be fused.

A: Actually, your lawyer should be involved in this aspect of your case...he should be obtaining medical reports from ALL the doctors whom you have been seen by as well as those that will require ongoing rehab. An assessment of what medications and current cost of those, will be and then along with the loss of income that you will be subjected to for whatever length of time you will be assumed as being unable to work, should be calculated into things. Any special equipment, transportation costs if you must be driven back and forth from places such as doctor visits, rehab visits etc. Special foods, clothing ... whatever is involved. If you are 36 and will undergo surgery in the future as a direct result of your accident...these have to also be factored in and include such things as Nursing care, home care, equipment (wheelchair etc). There's a lot of factoring that has to take place so you shouldn't be trying to do your lawyers job...you should be sitting down with him though and going through everything that is involved in this and from there you should be able to come up with something that is a clear cut settlement that will cover everything rather than an arbitrary number that may or may not cover things. Someone can tell you to ask for 7.5 Million yet, factored over time that could end up leaving you in financial difficulty down the road and possibly being unable to undergo certain treatment ... on the other hand that same amount could end up being a ballooned amount that the insurance will challenge and if you don't have substance to back it up...you could end up with a fight anyway. Usually, people will tell you to ask for more than you need and settle for less which will usually be around the amount you wanted anyway...I've been there and that tactic can work but usually you have to fight for it...so be prepared to put a little work into this settlement proposal, let your lawyer steer the boat but try to document every thing you believe will have to be covered on your behalf and then work together to try and obtain it. Good luck and hope your recovery is a full one.

Q: Is this insurance training course worth it?
I live in Colorado and I want to get my license to sell auto ins do you guys think this is worth it and reliable http://www.aitraining.com/coloradoinsurancelicense.htm (am not the one in the pic this is my sis account)

A: All insurance adjusters and agents are licensed through your states insurance department. You may want to give them a call and see if they know anything about his course. They may also be able to provide you the name of a course in your area where you could go and sit in a class. With my licensing exams - I just knuckled down and self studied. But some states may require so many hours of classroom instruction as part of the licensing requirement. But just to make sure you are headed in the right direction - call the insurance department and touch base with them on licensing requirements first. Good luck

Q: Wow isn't this scary????
How open borders turn Americans into roadkill Illegals drive up highway deaths as U.S. hits new highs for unlicensed, uninsured motorists -------------------------------------------------------------------------------- Posted: August 25, 2006 1:00 a.m. Eastern © 2006 WorldNetDaily.com Vitalina Bautista Vargas bids farewell to husband in court (courtesy Chattanooga Times Free Press) WASHINGTON – Marcos Ramos Medina was driving his 1997 Chevrolet Lumina erratically, according to witnesses, swerving several times across the center line, causing a tractor-trailer rig to jackknife in Yakima, Wash., Aug. 4, 2005. That was before his car plowed into the 2000 Lexus driven by Peggy Keller, 53, dean of distance education at Yakima Valley College, who was killed in the head-on crash. Prosecutors in his vehicular homicide trial contended Medina was coming down from a methamphetamine high. When Russell T. "Todd" Sharpe, a six-year Washington State Patrol officer, testified that Medina fought against his restraints while being taken to the hospital for a blood alcohol test and refused to answer questions, the case against the Mexican national with a criminal record who had twice been deported was declared a mistrial because his constitutional right to remain silent had been violated. "It pains me greatly, but in this case I must exercise an abundance of caution," explained Judge James P. Hutton. Little caution, critics say, is being exercised when it comes to preventing mayhem on America's highways as the country witnesses record high numbers of unlicensed, unregistered, uninsured drivers – millions of whom are illegal aliens like Medina. While no one – in or out of government – tracks traffic accidents caused by illegal aliens, the statistical and anecdotal evidence suggests many of last year's 42,636 road deaths involved illegal aliens. A report by the AAA Foundation for Traffic Study found 20 percent of fatal accidents involve at least one driver who lacks a valid license. In California, another study showed that those who have never held a valid license are about five times more likely to be involved in a fatal road accident than licensed drivers. Statistically, that makes them an even greater danger on the road than drivers whose licenses have been suspended or revoked – and nearly as dangerous as drunk drivers. While police do not routinely ask drivers about their immigration status, New York's Rockland County District Attorney Michael Bongiorno – who has prosecuted more than 20 felony cases this year involving people accused of both unlicensed driving and drunken driving – estimated that two-thirds of about 70 drivers charged in Spring Valley with misdemeanor counts of driving while intoxicated and unlicensed driving were illegal immigrants. "Unfortunately, the undocumented drivers here do that (drive unlicensed) more than the natives,'' said California Highway Patrol Officer Wendy Hahn. "If they've been involved in an incident, they flee because they don't want to deal with immigration.'' Federal immigration officials typically do not get involved when an undocumented person is charged with drunken driving or driving without a license, said Bongiorno and police officials around the country. While the Census Bureau estimates there are 9 million illegal aliens living in the U.S., other sources put the figure closer to 20 million. Running parallel to those estimates are the best guesses on the number of unlicensed motorists – 17 million. In addition, the states with the most illegal aliens also have the most unlicensed drivers. Those states are also in the lead for the most hit-and-run accidents, according to reports issued by the Fatality Analysis Reporting System and the Pew Hispanic Center. California ranks at the top with 24.1 percent of the known 11.1 million illegal aliens. The proportion of unlicensed drivers varies widely state-by-state, with 6 percent in Maine and 23 percent in New Mexico. Many of those advocating allowing illegal aliens to get driver's licenses make the case by suggesting most unlicensed drivers are so because they cannot get a license. In California, for instance, the Legislature is considering several proposals that would help illegal immigrants drive. One of them is a bill that would prevent police from seizing vehicles driven by unlicensed drivers. Senate Bill 626 by Sen. Nell Soto, D-Ontario, would apply to all drivers who have never obtained a California license. Opponents point out those favoring the bill are the same people promoting licenses for illegals. 'Under current state law, police can seize vehicles for up to 30 days if the driver is unlicensed. Under the new bill, if the driver never had a license, the vehicle could be seized for only 24 hours; those who had licenses suspended or revoked would still have the vehicles impounded for up to 30 days. Who are the people who have never had a license? Disproportionately, critics of the bill say, they are illegal immigrants. In the Maryland Legislature, Delegate Luiz R.S. Simmons, D-Montgomery, is drafting legislation that would stiffen penalties for unlicensed drivers. His bill requires them to appear before a judge and would make them subject to up to 90 days in jail for a first offense and as much as a year for a second offense. In addition, cars belonging to unlicensed drivers could be impounded for up to a month or forfeited if they were involved in an accident that caused an injury. Though there is absolutely no government data on the identity of Maryland's unlicensed drivers – or those in any other state – Simmons's bill has been attacked by immigrant rights' activists, who say it targets Latinos. Whether they are mostly illegal aliens or not, one thing is certain – there are more unlicensed drivers on the road than ever before. So prevalent is the trend that many police departments have cut back on sobriety checkpoints in favor of checkpoints to check the documentation of drivers. A WND statistical study of police reports of dozens of such checkpoints around the country show that close to 10 percent of drivers stopped are either unlicensed or have suspended licenses. Even at sobriety checkpoints, far more drivers are found to be unlicensed than intoxicated. While some say the answer to the illegal alien-unlicensed driver crisis is permitting illegals to get licensed, others say the solution is decreasing the number of illegal immigrants living in the United States. Rules determining who is eligible for a driver's license vary by state. Eleven states do not require legal immigration status to obtain a license. The rest do require proof of legal status, either by state law or the documents required to apply. The eleven states are: Hawaii, Maine, Maryland, Michigan, New Mexico, North Carolina, Oregon, Tennessee, Utah, Washington and Wisconsin. Tennessee and Utah have introduced a separate "certificate for driving" for state residents who cannot prove they are lawfully present in the United States. But Tennessee stopped issuing the certificates in February after reports that undocumented immigrants were coming from out of state and using false documents to apply. The Real ID act, scheduled to take effect in 2008, will prohibit all states from issuing licenses to illegal aliens or the licenses will not be accepted as identification for federal purposes. In addition to being unlicensed, most illegal alien drivers are uninsured – making the accidents they cause even more injurious. Statewide, more than one-third of California drivers are without insurance, according to the California Department of Insurance. In some low-income and minority neighborhoods, the rate is over 50 percent. In San Jose, for instance, 55 percent of all drivers on the road have no auto insurance. In some parts of Los Angeles, Imperial, San Diego and Alameda counties, the rate reaches as high as 90 percent. The situation isn't much better in other states with high populations of illegals. In Texas, 27 percent of drivers are uninsured. In Florida, the estimates are between 15 and 25 percent. In Colorado, 32 percent. Even though citizens and legal residents are victimized by the high percentage of uninsured drivers, illegal aliens themselves are often immune to the pain. Take the case of Victor Manuel Caballero. Even though he entered the country illegally from Mexico five years ago, the New Jersey Supreme Court ruled earlier this year that he could collect damages for being hurt in an auto accident from a special state fund set up to benefit those hurt in accidents with uninsured drivers. Caballero would hitch a ride to his computer job with a co-worker, 19-year-old Ricardo Martinez. One morning, Martinez fell asleep at the wheel, veered off the road and struck a parked tractor trailer. Martinez walked away from the accident, but Caballero was badly hurt. Surgeons repaired injuries to his abdomen and intestines over a week in the hospital at a cost of $38,300 in medical bills and $1,482 in lost wages. He had no medical insurance. The driver, Martinez was not only unregistered, he had no auto insurance. It turns out he was illegal, too. The $38,300 in hospital bills was paid by a special hospital charity fund. And because of his successful lawsuit that went all the way to the state Supreme Court, Caballero was eligible for up to $15,000 for "pain and suffering." There are no official statistics about highway carnage and illegal aliens. But there is an increasing awareness among law enforcement officials – and victims of traffic accidents – that illegal aliens are playing a disproportionate role in the road mayhem. Earlier this month, a court in Chattanooga, Tenn., heard the case of an illegal alien convicted of running her car into a house and killing a 91-year-old woman. A judge ordered Vitalina Bautista Vargas deported. Amazingly, the family of the victim remained compassionate and merciful. "They wanted one of the conditions to be that she learn how to drive," prosecutor Jay Wood said. Prosecutor Wood said federal officials insisted that she be deported. He said as a convicted felon, she will not be allowed to apply to re-enter the country for at least 10 years. Louella Winton, the victim, was asleep in her bed when the car crashed into her house. The vehicle knocked the victim through the bedroom wall and threw her against the wall of the house next door.

A: I hope that first driver was at least deported after the mistrial. I love that if you just state facts and opinions the pros call for sources, but if you cut and paste they accuse you of not being able to think for yourself....

Q: Good student discount information for driving ensurance?
Ok, well I get my license soon and I heard about the driving discount for good students. I go to one of the highest rated schools in my state, in fact it is in the top 1%. I get very good grates, As and high Bs which are extremely hard to get at my school. Our teachers are strict. Anyway I am failing one class that most schools don't have, and that is Computer Aided Drafting Design. Its like an engineering course, but I am not into engineering. It is technically considered an elective, but it brings down my GPA. How do auto-insurance companies view this? Like would I still get a good student discount to help save money on my driving insurance. I am almost 17 and in the state of Colorado. DO you have any information on this topic? Please let me know.

A: Meet with an actual person. Bring in all of your transcripts, and statements from teachers help. I was very average at about 75% and it helped my insurance quite a bit. Attendance records also help. Anything that shows you are dependable, and intelligent on any level.

Q: what is your oppinion???
If illegal aliens all took the day off and were truly invisible for one day, there would be some plusses along with the mild inconveniences: Hospital emergency rooms across the southwest would have about 20-percent fewer patients, and there would be 183,000 fewer people in Colorado without health insurance. OBGYN wards in Denver would have 24-percent fewer deliveries and Los Angeles’s maternity-ward deliveries would drop by 40 percent and maternity billings to Medi-Cal would drop by 66 percent. Youth gangs would see their membership drop by 50 percent in many states, and in Phoenix, child-molestation cases would drop by 34 percent and auto theft by 40 percent. In Durango, Colorado, and the Four Corners area and the surrounding Indian reservations, the methamphetamine epidemic would slow for one day, as the 90 percent of that drug now being brought in from Mexico was held in Albuquerque and Farmington a few hours longer. According to the sheriff of La Plata Co Colorado, meth is now being brought in by ordinary illegal aliens as well as professional drug dealers. If the “Day-Without-an-Immigrant Boycott” had been held a year earlier on May 8, 2005, and illegal alien Raul Garcia-Gomez had stayed home and did not work or go to a party that day, Denver police officer Donnie Young would still be alive and Garcia-Gomez would not be sitting in a Denver jail awaiting trial.if the boycott had been held on July 1, 2004, Justin Goodman of Thornton, Colorado, would still be riding his motorcycle and Roberto Martinez-Ruiz would not be in prison for killing him and then fleeing the scene while driving on a suspended license.If illegal aliens stayed home—in Mexico, Guatemala, Brazil, and 100 other countries—the Border Patrol would have 3,500 fewer apprehensions (of the 12,000 who try each day).Colorado taxpayers would save almost $3,000,000 in one day if illegals do not access any public services, because illegal aliens c on I-70 and other highways.On a Day Without an Illegal Immigrant, thousands of workers and small contractors in the construction industry across Colorado would have their jobs back, the jobs given to illegal workers because they work for lower wages and no benefits. (On the other hand, if labor unions continue signing up illegal workers, no one will be worrying about Joe Six-Pack’s loss. Sorry, Joe, but you forgot to tell your union business agent that your job is as important as his is.) If it fell on a Sunday, Catholic Churches in the southwestern states might have 20-percent fewer parishioners at Mass if all illegals stayed home, but they would be back next Sunday, so the bishop’s job is not in danger. The religious leaders who send people to the marches and rallies will never fear for their jobs, because illegal aliens need their special “human-rights” advocacy and some priests and nuns seem especially devoted to that cause. The fact that most Catholics disagree with the bis The fact that most Catholics disagree with the bishops’ radicalism doesn’t seem to affect their dedication to undermining the rule of law. All of this might be a passing colorful episode in the heated national debate over immigration policy if it weren’t for an odd coincidence: The immigration-enforcement agency responsible for locating and deporting illegal aliens is also taking the day off today. Of course, they didn’t call it a boycott. It is just (non)business as usual. —Tom Tancredo is a Republican congressman from Colorado "nationally, in jails its mostly white-nationally on welfare-its mostly white" do the math! do the ratio of whites on welfare and in prison,then try saying this again retard!

A: Nobody likes to hear the truth, and the truth is just by being an Illegal forces them to do other illegal stuff, like drive with out a license not pay taxes etc etc... This country needs to stick together. If you now an Illegal turn them in. Keep pushing the INS until something is done, do not be afraid. the Minutemen should be an inspiration to us.