Were you involved in a car accident caused by a drunk driver recently? You might wonder, “Does auto insurance cover drunk driving accidents in Colorado?”
Unfortunately, more Coloradans have had to ask this question as of late. DUI-related accidents reached a 21-year high in 2023 despite the Centennial State’s push to curb DUI arrests.
So, what is the answer? Keep reading to find out so you’re ready to respond to a drunk driving accident in Colorado accordingly.
Auto Insurance Will Cover Drunk Driving Accidents in Colorado
If you’re asking the question, “Does auto insurance cover drunk driving accidents in Colorado?” you’ve likely endured a tough few weeks, if not months. Being involved in a car accident with a drunk driver in Colorado will often derail your life for at least a little while, forcing you to seek extensive medical attention, car repairs, and possibly even counseling for mental health conditions like post-traumatic stress disorder (PTSD).
However, you will be happy to hear that the answer to this question is “yes.” When you’re involved in a drunk driving accident in Colorado caused by an intoxicated driver, their auto insurance company should foot the bill.
That said, the responsible driver’s car insurance policy will determine how much compensation you will collect in your case. If they have a policy with low premiums and low insurance coverage limits, it could prevent you from collecting enough money to cover medical bills and other accident costs.
You should consider taking legal action against this driver and their insurance company in this case. You may also need to learn more about subrogation and how it could help you collect compensation from your own insurance company to cover accident costs.
You Will Need To Treat a Drunk Driving Accident Like Other Auto Accidents
Drunk driving accidents in Colorado are often dramatically different from other accidents when they occur. They make it easier to pin liability on a drunk driver.
However, you shouldn’t treat them much differently than other accidents when it’s time to file a claim with your insurance company and/or another driver’s insurance company. You will still need to take essential steps, such as:
- Seeking immediate medical attention for injuries
- Documenting the accident scene by taking smartphone photographs and videos
- Collecting other evidence related to your accident (medical bills, car repair receipts, etc.)
The more evidence you gather in the aftermath of a drunk driving accident in Colorado, the more leverage you should have when filing an insurance claim and/or taking legal action.
You Should Work With an Auto Accident Attorney With Experience in This Area
“Does auto insurance cover drunk driving accidents in Colorado?” is probably not the only question you will have after your crash. You also might struggle to file the appropriate claims following your accident if you haven’t ever been through this process.
For these reasons, you should enlist the services of an auto accident attorney who is well-versed in handling DUI accident cases. This could allow you to collect more compensation to cover your medical bills and other accident costs.
Give Us a Call If You Were Involved in a Drunk Driving Accident in Colorado
If you didn’t cause a drunk driving accident in Colorado, you shouldn’t have to pay a penny to treat any injuries and/or property damage sustained during it. Since the answer to the question, “Does auto insurance cover drunk driving accidents in Colorado?” is “yes,” you should explore all your available options to ensure you’re able to make a full recovery from your crash. Reach out to Grant & Associates Law Firm, P.C., at 970-356-5666 or complete this brief form to speak with a trustworthy attorney about your case.