Consumer Advisory: Ice Road Drivers

Think about auto insurance before you hit snowy roads.

DENVER (Dec. 13, 2017) – Winter weather can be a challenge for all drivers. Before you go dashing through the snow this season, the Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies, reminds you to review your auto insurance to make sure you are protected and ready for winter driving.  

Check your auto policy to confirm it's right for your needs.
A new vehicle requires a different level of coverage than an older car, so be sure you are considering your needs appropriately. Decide whether you need collision coverage only or if you should also have comprehensive (coverage that protects you from damaging road hazards like chunks of ice), and think about what makes sense as the appropriate level of coverage. Then consider if your deductible is right for you and your vehicle.

Also, check your liability limits to make sure you have adequate protection against injury or damage if you or one of your drivers causes or contributes to an accident, whether it's a minor fender-bender or a multi-car incident.

What to do if you have an accident.
Be sure you know what to do if you or one of the drivers in your household gets in a wreck (including any teens). Always keep a copy of your insurance card and your insurance provider's contact information in the car or on your phone. To take the stress out of filing a claim after an accident, the National Association of Insurance Commissioners (NAIC - the Colorado DOI belongs to this group) created WRECKCHECK, a free smartphone app that walks you through the process of gathering information following an accident. You can then email the report directly to your insurance agent. WRECKCHECK is available for Apple and Android devices as well as in PDF form.

If you don’t have this or a similar app, make sure to get all driver, passenger, vehicle and insurance information of those involved in the accident, and take pictures of the vehicles before and after they are moved, if you can do so safely. However, don’t overshare after an accident, as you could open yourself up to identity theft. You do not need to share your address, phone number or driver’s license.

Questions about your insurance?
If you don’t understand something about your insurance, or are experiencing problems, please contact the Division of Insurance. Our dedicated Consumer Services team helps people with everything from untangling the complex world of insurance to investigating formal complaints about insurance companies or insurance agents. Contact the Division at 303-894-7490 / 1-800-930-3745 (outside of the Denver metro area) /

Slipping and sliding on the roads might look funny in the movies, but winter driving is serious business. Make sure that you’re prepared, you know about your insurance and stay safe on those icy roads.


The Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies (DORA) regulates the insurance industry and assists consumers and other stakeholders with insurance issues.  Visit for more information or call 303-894-7499 / toll free 800-930-3745

DORA is dedicated to preserving the integrity of the marketplace and is committed to promoting a fair and competitive business environment in Colorado. Consumer protection is our mission. Visit for more information or call 303-894-7855 / toll free 1-800-886-7675


Media Contact:
Vincent Plymell
Division of Insurance 
p: 303-894-2261 | c: 303-910-9614