I’d say yes, and Colorado law makes it easy to keep by default. Insurers must offer UM/UIM coverage matching your liability limits, and you can only turn it down in writing. If you’ve never signed a written rejection, you likely already have this coverage without realizing it, which is worth confirming before you assume you’re unprotected.
Why it matters more than people think
A driver with no insurance, or one who fled the scene, leaves you with nothing to collect from unless your own policy has UM coverage in place. It’s the single most overlooked piece of an auto policy until the day someone actually needs it.
What to do next
If this is where you are right now, call Mile High Legal at (720) 853-5779 for a free consultation. We handle Colorado car accident and injury claims on contingency, meaning you pay nothing upfront and nothing at all unless we recover money for you.
