Does my own insurance cover me if the other driver doesn't have enough?

Yes—if you have uninsured/underinsured motorist (UM/UIM) coverage on your policy. UM coverage applies when the at-fault driver has no insurance at all, while UIM coverage kicks in when their insurance is insufficient to cover your damages. In Colorado, your UM/UIM coverage "steps into the shoes" of the at-fault driver's insurance and pays for medical expenses, lost wages, and pain and suffering. Colorado insurers must offer UM/UIM coverage equal to your liability limits unless you specifically reject it in writing. Check your policy or contact your insurer to confirm you have this critical protection.