Insurance

What You Need To Know About Hit & Run Insurance Coverage

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There’s a lot you need to know about hit and run insurance coverage. You want to drive around Broomfield and throughout the state with peace of mind knowing that you get into an accident, you have the necessary coverage to avoid paying out-of-pocket. A hit and run means that one of the people isn’t present when the police show up and you won’t be able to get their insurance information.

Since that person is not part of the overall process, you want to make sure that the insurance coverage you have in place can cover property damage as well as bodily injury, regardless of fault. Otherwise, you could be spending a considerable amount of money in medical bills and repairs – even enough to cause bankruptcy.

In addition to the standard policy that is required by the state, you may want to consider collision coverage. This is going to provide protection regardless of who is at fault. It will help you to make repairs to your vehicle and you will only have to pay the deductible.

Uninsured motorist coverage is also a great way to have additional coverage in the event of a hit and run. This can include property damage as well as bodily injury. The property damage will cover car repairs as well as repairs to any other properties that may have been damaged, such as streetlights. Bodily injury is going to cover medical bills and lost wages to US the driver as well as passengers.

There is also medical payments coverage, which can go above and beyond what the other forms of coverage doesn’t pay. There may still be a deductible and limits to consider, but it may be able to cover medical bills that are covered, including if you have health insurance.

Finally, you will want to consider personal injury protection. This can provide protection for medical bills, lost wages, child care, and more.

Call us at Aspen Gold Insurance Brokers today to learn more about auto insurance in Colorado and learn more about hit and run insurance coverage. We’re here to help you every step of the way, including obtaining quotes that can provide an affordable policy.

Prepare Your Car for Winter Before the Snow and Ice Come

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Winters everywhere are rough on automobiles, but few places see tougher winters than Denver, CO. And now, being the fall, is the best time to take action for the upcoming winter months ahead. If you plan on driving a car or truck through the winter here, make sure to  prepare your car for winter before the snow and ice comes — and make sure you properly insure it. At Aspen Gold Insurance Brokers, we can help you check your insurance coverages, and we have a few tips on fall auto maintenance.

Prepare Your Car for Winter

The snow, ice, and cold of winter are all hard on vehicles. When equipped with the right parts, though, your automobile will fare better in the foul weather. Before temperatures drop any more, make sure to:

  • put snow tires on your vehicle to improve traction on slippery roads
  • install winter wipers on your vehicle so you’ll be able to see in snowstorms
  • replace your vehicle’s battery if it’s old to ensure smooth starts in the coldest weather
  • Fill your windshield wiper fluid with a de-icer fluid for -30 degrees

Adjust Your Insurance Coverage for Winter

You may also want to adjust your auto insurance coverage for the winter season. As driving conditions worsen, the chances of being in an accident increase. In addition to driving more cautiously, you can also protect yourself by improving your insurance coverages.

If you’d like to make changes to your auto insurance coverages, contact our independent insurance agents at Aspen Gold Insurance Brokers. In just a few minutes, they can find you a policy that has the enhanced coverages you want in the winter. Come spring, when the weather becomes nicer, they can also help you change your coverages back to where they are now. Contact our insurance agents through our website, and we’ll get you safely covered for winter today.

Checking Your Insurance Before Preparing Your Driveway for Colder Temperatures Ahead

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With the leaves turning and temperatures dropping, fall is here. Soon, winter will be here, and with it possible snow and ice. If you own a home in Westminister, CO,  checking your insurance when getting your home ready for winter, before inclement weather sets in is important. There are many fall home checklists that address indoor maintenance, but we at Aspen Gold Insurance Brokers wanted to draw attention to fall driveway maintenance.

Repairing Your Driveway

Over time, cracks develop in driveways. During the summer, they usually aren’t a major issue. In winter, however, water can seep into them and freeze. As water freezes, it widens the cracks. Eventually, large cracks that do pose problems will appear if you don’t address the issue when cracks are small.

Fall is a great time of year to check your driveway for cracks and have it repaired if you see any. First, it’s important to fill in or seal over small cracks before the winter weather sets in. Second, driveway repair companies are usually slower during the fall than during the summer, so you might be able to get a lower price on repairing your driveway.

Checking Your Insurance

Before you hire a driveway repair or resurface company, check your homeowners insurance to see if your repair costs are covered. Coverages vary from policy to policy. Whether the price of fixing cracks in your driveway is covered will depend on the cause of the cracks and your policy’s specific coverages.

If you’re having a hard time telling whether a repair is covered by your policy, contact us. Our independent insurance agents can help you review your policy to see what coverages you have. If your driveway isn’t fully covered, they may even be able to find you a policy that will better protect your driveway in the future. To talk with one of our agents, contact them through our website.