When you are hurt in a car accident, you can never have enough insurance coverage. So if you are hit by an uninsured driver, Colorado’s new “Stacking” law can help you recover enough compensation for your injuries, losses and damages. The topics we will cover in this article are:


Many drivers in Colorado either have no insurance or the minimum liability limits of $25,000/50,000.
For policies that were written after January 1, 2008, you can get the full value of the underinsured motorist policy which you paid for. This is in contrast to the policies that were written prior to January 1, 2008, in which your underinsured motorist carrier was given a credit or offset for the liability coverage of the at fault driver. The caveat in the law is that it only applies to “policies written after January 1, 2008” and not all car accidents after January 1, 2008. Therefore, you may want to renew your policy so that it is written after January 1, 2008 to get the benefit of the new law.

Stacking your Coverage:
An example of how the new law works will help you understand how good this is for Colorado drivers. If a motorist has Colorado’s minimum limits of $25,000, and you have $100,000 in Underinsured Motorist Coverage your maximum recovery could be $125,000 under the new law. Compare that to the old law, which did not allow “Stacking,” your maximum recovery would be only $100,000 because insurance companies were able to credit or offset the difference between the two policies. Under the new law that allows “Sacking”, Colorado drivers finally get the full value of the Underinsured Motorist benefit that they paid for and deserve.

Underinsured Motorist Coverage:
Your underinsured motorist coverage can be a life saver because it may allow you to pay all of your medical bills and get the money that you deserve for your injuries and losses.

Call us and one of our attorneys will be happy to explain the new law to you and how this law can benefit you. In the meantime, we advise our clients to renew their automobile policies so that they can get the benefit of the policy being written after January 1, 2008. In addition, we also recommend that our clients carry high underinsured and uninsured motorist limits because there are a lot of drivers out there without any insurance. UNDERINSURED MOTORIST COVERAGE CAN HELP IF YOU ARE INJURED.

For more information regarding Stacking your Underinsured Motorist Coverage or your Personal Injury claim please fill out the contact form or visit our home page.