How Much Liability for Uninsured Motorists do I Need?


How much automobile liability, uninsured motorist, and medical payment insurance do I need?

Colorado law requires that an auto insurer sell policies with at least $25,000/$50,000 liability coverage; offer Uninsured/Underinsured (UM/UIM) coverage in amounts equal to liability coverage; and include medical payment coverage of at least $5,000, unless specifically rejected at the time the policy is purchased. My rule of thumb is “buy as much insurance as you can afford.” Some insurance companies will only sell you the minimum coverage, and others will not tell you about the availability of higher limit policies unless you ask. Be sure to ask about higher limits and what the additional cost is. The additional cost can be well worth it, as you will see in my article. If you have additional questions, please feel free to call for a free consultation.


This is a very often-asked question, especially in auto-collision cases. As tempting as it can be to opine as to value during the initial interview, it is virtually impossible to answer that question with any degree of accuracy. We can often express a range of value, if we have enough information regarding the nature and extent of a person’s injuries; the amount of medical expenses; the amount of income loss, etc.; however, a lot of time, effort, information gathering, and analysis goes into calculating the value of a person’s claim. For instance, does the person have pre-existing conditions which may explain their complaints/restrictions in activities? Did the person suffer a concussion/closed head injury in the collision? Were there injuries which required surgery, and which may have long term chronic consequences? Are there issues of who was at fault in causing the collision or questions regarding causation of injuries and damages? Are there insurance issues or health care reimbursement issues which will affect the net recovery? Are there first-party insurance coverage issues (such as Underinsured Motorist Coverage) which may increase the potential recovery? There are many other factors which affect the value of a personal injury claim. Contact us if you have questions. The initial interview is free. We work on a contingent, percentage fee basis, so there is no attorney fee unless we recover money for you. Beware of those who are quick to tell you what your case is worth.