Since Colorado moved from a no-fault auto insurance system in 2003, drivers involved in auto accidents have often found they didn’t have the medical payments coverage they needed to pay for treatment of their injuries. A new law for 2009 requires car insurance companies to automatically add $5,000 of medical payment coverage to every Colorado car insurance policy.

Sounds good, right? Here’s the catch.

State Farm’s announcement that it will no longer be writing property insurance in Florida will not affect the availability of car insurance for about 2.8 million Florida customers. The pull out only impacts homeowners, renters, condominium owners, boat owners and business property owners.

There was an interesting article posted on Insurance Journal today about a Wisconsin family who had a UIM claim denied. You can read the article here. I’m not going to go into the details of the case, other than to say they had multiple personal auto policies, one of which had lapsed, the other had no UIM coverage.