Uninsured and Underinsured Motorist Coverage in Colorado Springs
Updated: 16 hours ago
Updated October 16, 2026 | Ty Rudisaile, Ty The Insurance Guy
A lower auto insurance premium can come with a bigger gap in protection. Before removing uninsured or underinsured motorist coverage from a Colorado Springs policy, ask what would happen if another driver's insurance could not cover your injury losses.
Watch Ty: getting ready for an auto insurance quote
Ty walks through the information an agent may need for a home or auto quote. Start with your question here, then share personal documents through the agency's approved process when Ty explains the next step.
What does Colorado UM/UIM coverage do?
Colorado's Division of Insurance explains that UM/UIM addresses bodily injury losses caused by an uninsured, underinsured or hit-and-run driver. It is optional and is included unless rejected in writing. Coverage depends on who is insured, the accident and the policy terms. Read Colorado's auto insurance guidance.
Does UM/UIM pay to repair my car?
Do not assume bodily injury UM/UIM repairs your vehicle. Collision and any available uninsured motorist property-damage coverage are separate questions. Ask which coverage applies to your car, what deductible you would owe and whether rental reimbursement is included. The Colorado Division of Insurance guide describes these coverages separately.
Three questions to ask before changing your limits
What UM/UIM limits are on my current policy, and which people are insured?
How would a covered injury claim differ from a claim for damage to my vehicle?
What changes in price and protection if I choose a different limit or remove a coverage?
Compare an auto quote using the same assumptions
For a useful comparison, give each agent the same vehicle and driver information and request the same limits and deductibles. Put UM/UIM, collision, comprehensive and rental options on separate lines so the differences are easy to see. Ask for an explanation of any missing coverage before choosing.
For example, if one quote includes bodily injury UM/UIM and another leaves it out, the premium difference is only part of the decision. Ask Ty to explain the difference using your actual quotes, without assuming a payment is guaranteed.
Can I ask a question without buying a policy?
Yes. Start with the term or renewal change you want explained. Ty can discuss the next step and the options available through the agency. A question or review does not change your existing insurance.
Comparing more than one policy? Read Ty's home insurance savings checklist. You can also browse Ty's public insurance video library.
Request an auto insurance comparison in Colorado Springs
Ready to compare options? Open the Ask Ty form, write “I’d like a quote” in the insurance-question field, and include your state, coverage type and renewal date. No policy documents are needed to start.
Want to understand your current coverage first? Request a complimentary Coverage Checkup.
Prefer to talk? Call Ty at 719-316-3566. You can also ask an insurance question before requesting a quote.
General educational information. Coverage, eligibility, discounts and claim payments depend on the policy, insurer, state and individual circumstances. A quote request or Coverage Checkup does not bind, change or cancel insurance.
Comments