There’s a misunderstanding in Colorado about uninsured motorist and what it covers.  Many people think uninsured motorist is like a surcharge or tax to cover those without car insurance.  This couldn’t be further from the truth.  Uninsured motorist bodily injury is coverage to pay your pain and suffering, lost wages and medical bills if you are injured by an uninsured or underinsured driver.  We recommend you carry as much coverage as your insurance provider will allow.