I'll Have Some Uninsured Motorist Benefits with a Side of Medpay

Each fall, the firm sends out an email informing us that they will be providing flu shots. It is generally encouraged to take advantage of this service. Each fall, I give the thought of getting a flu shot an obligatory minute or two, then delete the email and move on. To some, I’m being foolish and I’ll live to regret the decision. To me, it’s a calculated risk. I haven’t had the flu in over a decade and, for reasons I don’t fully understand, tend to be a bit of a Typhoid Mary. While I’m capable of carrying and passing on things like strep, colds, and the flu – I rarely find myself afflicted. Therefore, I don’t feel it necessary to introduce more active virus into my body. I have enough, thank you very much.

With that said, there are some things one simply should not risk. Of those, protection and safety are paramount. Part of making sure you’re protected is having the right auto insurance. Everyone should be aware that Colorado mandates all motor vehicles be insured with a minimum of $25,000 in liability coverage. To the average person, $25,000 is a big number; however, if you’ve been injured in a motor vehicle collision, you know that $25,000 sometimes isn’t very much at all.

A couple of things to consider when purchasing an auto insurance policy:

  1. Make sure your liability limits are commensurate with your income and assets. If you make a large income and have substantial assets, your insurance coverage needs to be substantial as well to avoid personal liability. Umbrella policies often serve to accomplish this extra needed coverage.
  2. Don’t waive Uninsured/Underinsured Motorist Coverage. It’s a matter of a little extra money, but worth it. You never know what’s going to happen out there on the road. While insurance coverage is mandated, people are hit by uninsured drivers all the time. If you’re injured, you want to make sure there’s adequate coverage to compensate your damages. Since you can’t control the rest of the world, you need to take it upon yourself to protect yourself with coverage to take over where their insurance – or lack of – leaves off .
  3. Medical Payments Coverage. Also commonly known as Medpay. Don’t waive this coverage, either. Many assume that if they have health insurance, this isn’t a necessary coverage. However, if you’re the victim of an accident and have injuries, your health insurance will expect to be paid back out of any settlement with the other driver’s insurance company. In 2009, the Colorado legislature passed a law stating that insurance companies do not have the right to be paid back for Medpay used by their insureds. What this means is that if you had $5,000 medical payments coverage, this $5,000 can be used for the ambulance, emergency room, and/or any follow up care BEFORE your health insurance, and needs not be “paid back” out of any future insurance settlement/payment. This coverage is especially important if you do not have any health insurance.

I don’t mind taking a few risks in life. I’ll play a little chicken with the flu virus each year, but in the end, that risk really only affects me. If I lose, I get sick. I don’t take the same risks with my insurance coverage. I don’t know, nor can I control, the decisions those who share the road with me have made about their coverage. When it comes to calculating the risks of insurance, inoculating myself against the dangers of inadequate coverage wins every time.

If you have further questions on how you need to be covered, visit our Insurance Coverage Calculator. The Sawaya Law Firm is Denver’s personal injury law firm. With over 40 years of experience and a compassionate team prepared to listen to your story, The Sawaya Law Firm is here to help. Contact us anytime.


Michael established The Sawaya Law Firm in 1977 and built it into one of the largest personal injury law firms in Colorado, with more than 20 lawyers and 80 staff members serving clients from five offices located in Denver, Greeley and Colorado Springs. Throughout its history, the firm has stayed true to its 12 Core Values, which emphasize excellence in advocacy and a commitment to providing outstanding client service. Michael studied sociology and economics as an undergraduate student at The Colorado College, and he earned his law degree from the Texas Tech University School of Law. In addition to being involved in several legal and community organizations, Michael enjoys playing music and cooking, and he has written a book on spiritual matters.