Crashes, insurance and registration in Colorado

By the end of this topic you can

• You can list the steps to take after a crash.
• You can explain when to move your car off a divided highway.
• You can say when a crash must be reported to police.
• You can state Colorado's minimum liability insurance.
• You can describe how to show proof of insurance and when to register a car after moving.

What you need to know and understand

• If you are in a crash, you must stop at or as close as possible to the scene and remain there until you have met your legal duties.
• On a divided highway, if every vehicle can be driven safely, move off the traveled lanes to a safe nearby spot before exchanging information.
• Give immediate notice to the nearest police authority for a crash causing injury, death or any property damage.
• Leaving the scene of an accident carries 12 points.
• Minimum liability insurance is $25,000 per person and $50,000 per accident for bodily injury, and $15,000 for property damage.
• You must show proof of insurance to an officer after a crash or when asked; a phone display is acceptable.
• Driving uninsured is a class 1 misdemeanor traffic offense with a minimum $500 fine and 4 points.
• New residents must register their vehicles within 90 days of becoming Colorado residents.

After a crash: what to do

1. Stop safely. Turn on hazard lights.
2. Check for injuries and call 911 if anyone is hurt or the scene is dangerous.
3. On a divided highway, if all cars can be driven, move them off the road to a safe spot.
4. Notify the police right away if anyone is hurt or killed or there is property damage, and follow their instructions to stay or return.
5. Exchange names, addresses, license details, vehicle and insurance information with the other driver.
6. Show your proof of insurance to the officer.
7. Take photos and notes, then contact your insurer.

Insurance basics

Colorado requires every motor vehicle owner and driver to have a complying policy. The minimum liability coverage, often written 25/50/15, pays others for injuries and damage you cause; it does not repair your own car. Many drivers choose higher limits. For teens, parents usually add the new driver to the family policy, and the parent or guardian who signs the affidavit of liability takes on responsibility for the minor's driving.

Without insurance, you face a minimum $500 fine, 4 license points and possible further penalties for repeat offenses. A court can suspend up to half the fine if you later show you bought insurance.

Registering a vehicle

Colorado vehicles are registered through your county motor vehicle office. If you move to Colorado, you must register your vehicles within 90 days of becoming a resident, even if they are registered in another state. Fees and any emissions inspection depend on your county and vehicle, so check with your county office before you go. Our guide to moving to Colorado covers license transfers as well.

Common mistakes

• Leaving before sharing information or before police arrive when told to wait.
• Staying in live highway lanes after a minor crash when cars could be moved.
• Admitting fault or arguing at the scene; stick to facts.
• Letting an insurance card lapse or not knowing where to find it on your phone.

Test yourself: Crashes, insurance and registration in Colorado

Answer each question, then read the explanation. Questions come in a random order each time.

Go deeper

• Colorado 30-Hour Driver Ed vs 4-Hour Driver Awareness Course
• Colorado 50-Hour Driving Log and Affidavit of Liability Checklist
• Colorado Permit Test