Denver Car Insurance, Traffic Cameras, and the Fines that Follow You

Denver may be the “Mile High City” but you won’t make it a mile without car insurance.

An old fashioned map is a stark contrast to the traffic technology used in Denver.

Okay, so maybe you will make it a mile without having Denver car insurance on your vehicle without getting caught. But one day they are going to figure out a way to scan every vehicle that is driving on the road to make sure they have insurance coverage.

If you think about it, cities like Denver already snag you with automated cameras for running red lights and speeding; so automated, insurance verification when you drive down the road is just the next step.

Caught on Camera in Denver

More and more cities are looking to photographic evidence to catch speeders or red light runners. In Denver, you can expect it for both.

Red light cameras are only located at 4 intersections at this time per the City of Denver website. So it is nowhere near the expansive program that other cities of the same size have.

However, Denver is also one of the few cities that also employees the assistance of speed vans. A speed van is a speed camera in a van that moves from place to place to catch speeders. Speed vans can only be used in areas where the speed limit is 35mph or less, though. So you won’t find a speed van sitting in the middle of the freeway.

The speed van basically reads that you are speeding and then takes a picture of you and your vehicle. After the information is processed the city sends you a speeding ticket in the mail. If you ignore the ticket, for the low fee of $29.00 they will personally deliver it to you.

Fines for Denver Traffic Camera Violations

Photo Enforcement Fines:

• Residential area or street bordering park $40
• School zone / work zone $80
• Photo red light intersection – through violation $75
• Photo red light intersection – crosswalk violation $40

(denvergov.org)

Denver Car Insurance

Denver car insurance is in place to make sure that if you cause a car accident that you can pay for the damages you cause. Unlike some people would like to believe, insurance is actually a good thing. It protects us from financial ruin because of someone else’s actions and it protects us from the mistakes we make behind the wheel.

So to make sure you are protected, the state of Colorado has mandated that you are required to carry no less than 25/50/15 in liability insurance coverage. Broken down, these numbers mean $25,000 in bodily injury liability coverage for one person, $50,000 in bodily injury liability coverage for 2 or more people, and $15,000 in property damage liability coverage.

The above mandatory insurance coverage for the state applies for Denver also. Since the state is who creates and regulate insurance, Denver car insurance is also known as Colorado insurance.