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.

Video Transcription:


Good afternoon, I’m Mark Biddison, member and manager Law Firm of Stevens, Lipman, Biddison, Tharp & Weinberg in Boulder, Colorado.

A frequent question with regard to automobile accidents is,

is if I am injured in a motor vehicle accident, who pays for my medical expenses? Every driver, every vehicle being operated in Colorado was legally required to carry at least $5000 in medical payment coverage

unless waved at the time the policy is purchased. Unless you or the owner of the vehicle in which you are injured has rejected medical payment coverage,

the policy covering the vehicle pay for at least the first $5000 an accident-related medical expenses.

Sometimes coverage limits are higher, and it’s always a good idea to have the highest limits that you can afford.

The auto insurance carrier will continue to pay for accident-related treatment, till the policy limit is exhausted, once that limit is exhausted. Next in line to pay for medical expenses is either your health insurance policy, or Medicare or Medicaid, if you have these coverages for those without any of these secondary sources of coverage we can make arrangements for treatment to be paid for out of settlement proceeds. If you were injured by a negligent driver,

if you need additional information, please call for a free consultation. I’m Mark Biddison, member and manager Law Firm of Stevens, Lipman, Biddison, Tharp & Weinberg in Boulder, Colorado.

I’m licensed to practice law in Colorado as well as California and all the federal courts, in Colorado and California as well as United States Supreme Court.

So if you had issues related to claims either in California, Colorado, or

any of the federal courts around the country, please be sure to give me a call for a free consultation.