No-fault insurance impacts the cost of Colorado Car Insurance and Health Insurance

In 2003, Colorado revamped their auto insurance by dropping the no-fault insurance rules. No-fault insurance requires each driver to pay their own medical bills regardless of who is at fault. This change reduced the cost of car insurance in Colorado.

Colorado car insurance requires that the person who is at fault to pay for all the medical bills resulting from a car accident. This change lowered the cost of car insurance in Colorado as it allowed Colorado residents to drop their personal-injury protection. Unfortunately, this has left some Colorado drivers with inadequate car insurance coverage. If a Coloradoan’s car insurance policy does not sufficiently cover their medical expenses, then their health insurance policy must take over. This sequence of events is causing the already too expensive health insurance to be even more expensive.

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