Category: Uncategorized


Winter Driving Tips

A report from NOAA claims there is currently a 95% chance that a powerful El Nino storm will impact us throughout the winter 2015-2016 and will gradually diminish through spring 2016.

We’d like to share some Winter Driving Tips and Tricks for what Meteorologists across Colorado are predicting to be a heavier-than-normal snow season.

  1. Make sure you have a solid insurance policy. You may want to consider purchasing UM/UIM insurance. If you aren’t sure what UM/UIM insurance is, click here for more information.
  1. Be prepared in case of an emergency. This includes having a winter safety kit in your car. You should also have something to write with. At Boesen Law, we recommend carrying our “Auto Accident Kit” in your glove box. Click Here for your free printable copy.
  1. Winterize your automobile. Edmunds.com recommends some of the following tips:
  1. Get snow tires for more cautious driving
  2. Check your tire pressure
  3. Maintain/Replace windshield wipers
  4. Upgrade windshield wiper fluid to one with de-icing components
  5. Check your car battery. The cold can deplete the power up to 50%
  6. Make sure Antifreeze is 50% water and 50% coolant
  7. Ensure heating and defrost systems are working correctly
  1. Practice cautious driving. You should keep a safe distance between cars in winter conditions. Keeping a safe distance between yourself and other cars may prevent sudden braking which can cause an accident. Another safety tip is to drive at a steady pace and avoid sudden speed increases. Winter weather can cause black ice which is nearly impossible to detect but by going at a cautious speed, you may avoid causing an accident.

Should you be involved in an accident during winter weather, you may experience difficulty receiving help through emergency services due to an “Accident Alert”. During an Accident Alert, weather conditions can cause a large volume of accidents. According to Colorado.gov, Troopers or Police Officers will only respond if the following conditions exist:

  1. Vehicles are disabled due to damage
  2. Accident involves a fatality or an injury requiring medical attention
  3. Alcohol and or drugs are involved
  4. Accident is an alleged hit and run
  5. There is damage to property, other than wildlife (example – highway sign, traffic sign)
  6. Any property damage accident in which the reporting party is not or has not had contact with the other driver(s)

If the accident doesn’t meet the above guidelines you must exchange information with the other driver such as their full name, driver’s license number, insurance policy information, and their phone number. Document photos of the scene, your car, and the other driver’s car.

It’s also highly recommended you file an accident report online or at a local police station where the accident occurred. You may also need to call your own Auto Insurance Company to notify them of the accident.

Lastly, you should also seek a physician’s medical evaluation after any crash. There are many times when someone has been injured in a crash and doesn’t feel pain until down the road. An evaluation from a physician can provide you with critical documentation in the unfortunate circumstance that you are injured and need legal assistance.

For any questions about these Winter Driving Tips or to speak to a Colorado Snow Accident Lawyer at Boesen Law, call us at 303-999-9999 or email us at [email protected]. Remember, the consultation is always free.

The Importance of Car Insurance

UM/UIM AND Med Pay

When buying car insurance many people are concerned with saving money. Insurance companies advertising campaigns are based on how much money you can save if you switch.

But, are you really saving if you pay less for your car insurance? In Colorado drivers are only required to carry $25,000 per person bodily injuries. This amount barely covers the cost of an ambulance ride and emergency room hospital visit. It leaves little, if anything, to compensate a person injured through no fault of their own for medical expenses, treatment, lost wages or pain and suffering.

UM/UIM insurance coverage, known as Uninsured/Underinsured coverage, fills in the gap if the negligent driver who caused the accident does not have any insurance or not enough insurance to compensate the innocent injured parties. If you or your passengers are injured and require medical care and treatment UM/UIM can be invaluable. It is worth its cost in protection. Along with medical payment coverage, it can make a big difference in the medical care and treatment available.

UM/UIM will provide protection and coverage if you are hurt by a hit and run driver. Hit and run drivers are considered uninsured motorists and UM/UIM coverage will apply. Without this additional coverage, you may be responsible for all payments, medical and property damage.

Medical Payments, referred to as ‘med-pay’ may be the best spent dollars of your insurance policy. It is relatively inexpensive and provides for the most important matter, yours and your passengers health. It can make a big difference to your recovery by being able to obtain all the medical care and treatment necessary to heal from your injuries.

In Colorado insurance companies are required to provide a minimum of $5,000.00 medical payment coverage. An insured could choose to deny this coverage; it must be done in writing. This emphasizes the importance of medical payment insurance coverage. Be sure to discuss with your agent the cost of increasing the medical payment coverage to $25,000 or even $100,000 per person for each accident. A serious injury could cost in excess of these amounts quite easily.

Protect yourself, your family and friends by having sufficient amounts of UM/UIM and Med-Pay Insurance Coverages.

Remember, if you or anyone you know is injured through no fault of their own, call us, we are available to help you through a very difficult ordeal. 

4100 E Mississippi Ave, Denver, CO 80246
Tel: (303) 999-9999
Toll Free:(800) 964-1911