COLORADO GUIDE 04
Who Is an Insured Under Colorado Auto Insurance?
Colorado insured-status questions can differ by coverage. Liability, MedPay, UM/UIM and other policy parts may define insured persons differently, so the analysis should be performed coverage by coverage.
- Named insureds and resident relatives.
- Permissive users and occupants.
- Persons protected by MedPay or UM/UIM even when they are not the named policyholder.
- Employer, commercial, rental and rideshare insured definitions.
Related citizen resource: Citizen’s Guide to Third-Party Liability.
Publication review note — September 17, 2026. Verify current Colorado statutes, policy language and controlling authority before publication.
VictimsGuide 