By law (C.R.S. § 10-4-609(2)), insurers must offer UM/UIM coverage in an amount matching your bodily injury liability limits, often at least $25,000 per person and $50,000 per accident under the state’s minimum liability limits (C.R.S. § 42-7-103(2)), though your policy could carry more. The right number depends on your own finances and risk tolerance, not just the legal minimum.
A practical way to think about it
Ask what a serious injury would actually cost you, medical bills, months of lost income, ongoing care, and compare that to your current UM/UIM limit. For most people, the gap is bigger than they expect.
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.
