Unfortunately, accidents happen. When they do, it’s important to have the proper auto insurance coverage.

Premier Group Insurance can help. With offices located in Lakewood, CO and the surrounding areas, their agents break down five must-haves for any auto insurance policy.

Bodily injury liability

This applies to injuries caused by a designated driver or policyholder. Colorado requires a minimum of $25,000 for bodily injury or death to anyone person in an accident and $50,000 total for all persons in any single accident. This is often referred to as "25/50." Although this is the baseline coverage, most agents recommend carrying more to protect personal property and assets.

Medical payments coverage

This reimburses any medical expenses that you or passengers incur during a driving incident. Despite being able to opt-out, any agency must offer a medical payment plan of at least $5,000.

Property damage liability

This covers any destruction or damage that results from an accident. While this usually means another driver’s vehicle, it also applies to mailboxes, fences, buildings, or any other structures you may hit. Colorado mandates at least $15,000 for any lone accident.

Uninsured motorist coverage

If you are hit by someone with inadequate coverage, this plan kicks in. Like medical payment coverage, the state requires companies to offer this to their customers. While it’s encouraged, you can choose to pass on this coverage.

Collision and comprehensive coverage

Collision insurance pays for damage sustained to your personal car during an accident, while comprehensive coverage protects against theft, vandalism, fire, and other non-collision events. Both are optional under state law and will likely include a deductible.