Question 1

What types of insurance does ABIM Insurance offer?

Accepted Answer

ABIM Insurance offers auto, home, renters, RV, and commercial insurance. As an independent agency, we work with 20+ top-rated carriers including Farmers, Progressive, Safeco, Travelers, Kemper, Dairyland, National General, GEICO, and Allstate to find the best coverage for your needs.

Question 2

Why should I use an independent insurance agent?

Accepted Answer

An independent agent like ABIM works for you — not a single insurance company. We compare rates and coverage options across multiple carriers to find the best fit for your situation. You get unbiased advice, more choices, and an advocate in your corner when you need to file a claim.

Question 3

How do I get a quote?

Accepted Answer

Getting a quote is easy. You can call us at 720-908-6854, email us, or fill out the contact form on our website. One of our licensed agents will reach out promptly to gather a few details and compare options from our carrier network.

Question 4

How long does it take to get coverage?

Accepted Answer

In many cases, coverage can begin the same day you request it. Once we find the right policy and you approve the terms, your coverage can be bound immediately. We'll send you your policy documents right away.

Question 5

Do you offer multilingual service?

Accepted Answer

Yes — ABIM Insurance offers service in English, Spanish, and Russian. We want every Colorado resident to feel comfortable asking questions and understanding their coverage.

Question 6

What is the minimum auto insurance required in Colorado?

Accepted Answer

Colorado law requires minimum liability coverage of $25,000 per person / $50,000 per accident for bodily injury, and $15,000 for property damage (25/50/15). However, minimum coverage often isn't enough to fully protect you after a serious accident.

Question 7

What is the difference between liability, collision, and comprehensive coverage?

Accepted Answer

Liability covers damage you cause to others. Collision covers damage to your own vehicle after an accident. Comprehensive covers non-collision events like theft, hail, fire, and wildlife strikes — all common risks in Colorado.

Question 8

Does Colorado require uninsured motorist coverage?

Accepted Answer

Insurers must offer it, but you can decline it in writing. Given that roughly 1 in 6 Colorado drivers is uninsured, we strongly recommend keeping this coverage to protect yourself.

Question 9

Will my insurance cover hail damage to my car?

Accepted Answer

Yes — if you carry comprehensive coverage. Colorado is one of the top states for hail damage claims. If you only carry liability, damage to your own vehicle from hail would not be covered.

Question 10

How can I lower my auto insurance premium?

Accepted Answer

Common ways to reduce your premium include bundling home and auto, maintaining a clean driving record, raising your deductible, completing a defensive driving course, and shopping multiple carriers — which is exactly what we do for you.

Question 11

How much home insurance do I need?

Accepted Answer

You should carry enough dwelling coverage to fully rebuild your home at current construction costs — not just its market value. Our agents will help you calculate the right amount based on your home's size, age, materials, and local labor costs.

Question 12

Does homeowners insurance cover wildfire damage?

Accepted Answer

Standard homeowners policies typically cover wildfire damage to your home and belongings. However, some high-risk areas may have exclusions or require separate coverage. We'll review your policy to make sure you're protected.

Question 13

Is flood damage covered by homeowners insurance?

Accepted Answer

No — standard homeowners policies exclude flood damage. If you live in a flood-prone area, you'll need a separate flood insurance policy through the NFIP or a private carrier. We can help you assess your risk and find the right coverage.

Question 14

What is replacement cost vs. actual cash value?

Accepted Answer

Replacement cost pays to repair or replace damaged items at today's prices. Actual cash value deducts depreciation, meaning you receive less. We recommend replacement cost coverage for the most complete protection.

Question 15

Can I bundle home and auto insurance to save money?

Accepted Answer

Absolutely. Bundling is one of the easiest ways to save — most carriers offer a multi-policy discount of 10–25%. Ask our agents about bundle options when you request your quote.

Question 16

Does my landlord's insurance cover my belongings?

Accepted Answer

No. Your landlord's policy covers the building structure only — not your personal property, your liability, or your living expenses if you're displaced. You need your own renters insurance policy.

Question 17

How much does renters insurance cost?

Accepted Answer

Renters insurance is very affordable — policies often start around $15–$25 per month depending on your coverage limits, deductible, and location. It's one of the best values in insurance.

Question 18

What does renters insurance cover?

Accepted Answer

A standard renters policy covers your personal belongings (furniture, electronics, clothing), personal liability if someone is injured in your home, and loss of use — meaning hotel and living expenses if your unit becomes uninhabitable.

Question 19

Does renters insurance cover theft from my car?

Accepted Answer

Yes — most renters insurance policies cover personal property stolen from your vehicle. Your car itself would be covered under your auto insurance policy.

Question 20

How do I file an insurance claim?

Accepted Answer

Contact your carrier directly using the number on your insurance card, or call our office at 720-908-6854 and we'll guide you through the process. We're here to advocate for you every step of the way.

Question 21

What should I do immediately after a car accident?

Accepted Answer

First, make sure everyone is safe and call 911 if needed. Then exchange insurance information with the other driver, document the scene with photos, and notify your insurance carrier. Call us and we'll help you navigate the claims process.

Question 22

How long does a claim take to process?

Accepted Answer

Claim timelines vary by carrier and complexity. Simple claims can be resolved in a few days; more complex claims may take several weeks. We'll stay in contact with your carrier on your behalf to keep things moving.

Question 23

Will filing a claim raise my rates?

Accepted Answer

It depends on the type of claim, your history, and your carrier. Not all claims result in a rate increase — for example, comprehensive claims (like hail) are treated differently than at-fault accidents. We can help you weigh the pros and cons before you file.

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