Protecting Your Interests: Umbrella Insurance Coverage

If you are like most Coloradoan drivers, you maintain an appropriate automobile insurance policy. Sadly, some people who elect to operate motor vehicles on the roads and highways of the state of Colorado fail to maintain appropriate automobile insurance coverage. Indeed, some of these motorists do not even maintain a valid driver’s license.

Time and time again, these individuals who do not abide by the legal requirements associated with driving on the roads of Colorado end up being precisely the same people that cause accidents. Oftentimes, these accidents end up causing innocent motorists significant property damage and personal injury.

In considering your own insurance needs, you need to plan for and protect against those other motorists who literally fail to behave in a responsible manner. For example, an automobile insurance policy can include what is known as underinsured and uninsured motorist coverage. These types of policy provisions provide you with front line protection against a negligent motorist who fails to maintain automobile insurance that causes an accident.

Another important reality to consider is the fact that even an automobile insurance policy that provides underinsured and uninsured motorist protection may not be sufficient to cover the extensive personal injuries that can and do result from many automobile accidents.

For this reason, you should seriously consider obtaining what is called an umbrella insurance policy. If you are a homeowner, you can add umbrella insurance protection through the company that provides you both your homeowner’s insurance and your automobile insurance. Make certain when you seek and obtain this type of insurance coverage that it includes situations in which you or members of your family sustain injuries as the result of the negligence of another motorist, including one that is under- or uninsured.

The law firm of Harding & Associates, located in Denver but serving the legal needs of people across the state of Colorado, represents people who have sustained injuries as the result of negligent motorists. This includes people seriously injured by under- and uninsured motorists.

The attorneys at Harding & Associates do not charge for an initial consultation. You can schedule an appointment with us by calling 303-762-9500 or 800-878-7888, or emailing us at, to schedule an appointment.