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We talked last month about the fact that Colorado requires motorists to carry liability insurance. This month, we want to expand our discussion of Colorado laws as they relate to drivers, so that you aren’t caught off-guard if you are pulled over.
The Colorado Division of Motor Vehicles (DMV) requires you to show proof of auto insurance when you are pulled over by a law enforcement officer, and when you register your car or renew its registration.
Proof of insurance is defined by the DMV as:
- Insurance card.
- Copy of car insurance policy.
- Printout or fax of insurance policy.
- Image of auto insurance card on a cellular phone.
- E-mail from insurer.
Colorado imposes penalties if you fail to provide proof of insurance during a stop or fail to purchase the minimum required liability insurance that we discussed last month.
The penalties and fines that can be assessed for failing to carry the minimum requirement of liability insurance include:
- 4 points on your driver’s license.
- $500 minimum fine.
- License suspension.
- Required community service.
You also must show proof of liability insurance if you are stopped by a police officer or if you are involved in a traffic accident.
If you aren’t able to provide that proof, the officer can check the Colorado car insurance database to see if you have valid insurance. However, you still may be issued a ticket.
Save yourself these headaches and penalties by making sure you have at least the minimum required coverage and always carry proof of that coverage with you.
It’s easy to do. Just give Insurance Advisors a call at 720-210-9898. When you buy insurance from us, we provide you with proof of insurance cards that you can place in your glove box and/or wallet.
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