What if the accident takes place in a city other than Highlands Ranch, CO where the auto insurance policy was issued?

When you purchase auto insurance in  Highlands Ranch, Colorado, your policy is issued by an insurance company that is licensed and regulated by the state of Colorado. Your auto insurance policy provides accident coverage whether you have an accident in  Highlands Ranch, Aspen or any other city it Colorado. You are also fully covered if you have an accident in a city outside of the state of Colorado.

While each state has their own insurance commission and regulates the companies that provide car insurance within its boundaries, they do not have any authority to intervene in the way accidents are handled in other states. Your insurance policy covers you when you are traveling away from  Highlands Ranch to points near or far from your home town.

People have accidents all of the time while on vacation or traveling for business. Imagine what a mess it would be if your policy only covered your car in specifically listed cities. It is utter nonsense and fortunately, Colorado or any other state does not have such a ridiculous rule. Your auto coverage travels with you and your vehicle.

If you should have an accident far from home, it is not very different than having one right in  Highlands Ranch. You still should report the accident and follow the same procedures as you would if the accident occurred around the block from your home. Your insurance company usually has a toll-free number to report accidents.

There is no doubt that you are covered for an accident no matter where it happens, but, it can get a little more complicated when you file a claim. There may be issues with where the vehicle needs to be repaired or if you are covered for a long-distance tow back to a repair shop in your local area.

As your independent agent, we can help you sort out the problems you may encounter when you have an accident hundreds or thousands of miles away from home. Please give us a call and an independent agent will do everything possible to assist you so you can get back to your normal life.