A Colorado insurance agent and social media user on X, known as Zane Car, has raised concerns regarding the state’s handling of uninsured driving. Car said that changes in liability laws could lead to increased auto insurance premiums due to heightened settlement exposure.
“The Dem, legislator and Gov, have ignored this problem for ten years, until the penalty for driving with out insurance costs more than insurance this will not change,” said Car, Commentator. “Legislator just past a law that increases the potential for huge liability settlements. great for all of the attorneys who constantly advertise on the radio, going to be very expensive for liability insurance in Colorado.”
According to Car, two interconnected pressures are affecting Colorado’s auto insurance market: uninsured driving and rising liability exposure from policy changes that may increase potential settlements. Colorado lawmakers recently passed HB24-1472, which raises several damage caps in tort actions. This change could impact expected claim severity and insurer pricing assumptions for liability lines.
Colorado drivers have experienced significant premium growth over time, which heightens sensitivity to any policy shift that increases claim costs. CBS News Colorado reported that the state’s average car insurance premiums have risen by approximately 53% since 2013. The report cited multiple cost drivers and warned that many policyholders are witnessing year-over-year increases even without filing claims.
Litigation-related cost growth is a documented concern among insurers and risk analysts, particularly when lawsuit frequency, attorney marketing, and settlement dynamics raise loss costs. The Insurance Information Institute has argued that “legal system abuse” can elevate litigation expenses and settlement payouts. They noted that plaintiff-attorney advertising and tactics contribute to higher liability costs, which can ultimately be reflected in premiums.
Jared Polis serves as the Governor of Colorado. The Governor’s Office describes him as an entrepreneur and public servant who founded schools and nonprofits and previously served in Congress. X is the social platform where Car posted his commentary; it is commonly used by public figures and residents to discuss state policy, costs, and consumer issues.
