On occasion, the at fault driver that causes injury in an auto accident cannot be found, whether they leave the  country or get “lost” in this country. If that driver is insured at the time if the accident, such insurer can  become the agent for service of process if it can be demonstrated that reasonable effort was utilized to locate the absent at fault driver. In that event, a civil action can still be pursued against the absent at fault driver, up to the limit of the insurance coverage. This applies even if the at fault driver terminated coverage after the accident but before the lawsuit is filed.  C.R.S. 42-7-414(3).

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