Frequently Asked Questions

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We offer a range of insurance options including auto, home, renters, condo, RV, and life insurance.

To file a claim, please contact our claims department at 720-908-6854 or email us at customerservice@AbimInsurance.com.

Factors that may affect your insurance premium include your age, driving record, location, type of vehicle, and coverage options.

Premiums can increase for reasons beyond your personal record. Factors like inflation, repair costs, increased claims in your area, or changes in underwriting guidelines can all affect rates—even if you haven’t filed a claim. 

It depends on your vehicle, budget, and risk tolerance. Liability-only covers damage you cause to others, while full coverage protects your own vehicle too. If your car is newer or financed, full coverage is usually recommended. We can help you decide what fits best. 

Uninsured bodily injury coverage protects you if you're hurt in an accident caused by a driver who has no insurance or not enough to cover your medical costs. It helps pay for medical bills, lost wages, and other expenses—so you're not left paying out of pocket for someone else's mistake.

Medical payments coverage helps pay for medical expenses if you or your passengers are injured in a car accident—no matter who’s at fault. It can cover hospital bills, ambulance fees, surgery, and even some rehab costs. 

Collision coverage helps pay to repair or replace your vehicle if it's damaged in an accident with another car or object—regardless of who’s at fault. It’s especially useful for newer or financed vehicles. 

Comprehensive coverage protects your vehicle from non-collision events like theft, vandalism, fire, falling objects, or natural disasters. Think of it as coverage for the unexpected that isn’t caused by a crash. 

Renters insurance protects your personal belongings from things like theft, fire, or water damage—even if you don’t own the property. It also includes liability coverage in case someone gets hurt in your home. It’s an affordable way to protect what matters.