Denver Uninsured Motorist Accident Attorneys
Getting into a car accident is bad enough; finding out the driver who hit you doesn’t have car insurance is even worse. Without car insurance, you might not know who will pay for your medical bills and vehicle repairs. Luckily, Colorado insurance laws have provisions in place for accidents with uninsured and underinsured motorists. Our Denver car accident lawyers can walk you through the legal process and make sure you get maximum compensation for your damages.
Why Choose Us as Your Lawyer
The lawyers at Varner Faddis Elite Legal, LLC have years of experience handling complex auto accident claims throughout Denver, CO. We know exactly how to handle cases in which the at-fault driver doesn’t have adequate insurance. We will listen to the details of your case and come up with an innovative solution that’s right for your situation. When you choose us as your lawyer, you benefit from compassionate, driven, and client-oriented legal services.
Why Do You Need a Lawyer?
Once you discover that the driver who caused your crash doesn’t carry insurance – or doesn’t have enough to fully cover your damages – you’re looking at a potentially complex car accident claim involving multiple parties. Without proper legal representation, an insurance company may take advantage of you and offer much less than your injuries are worth. If you suffered serious injuries or lost a loved one in the crash, you should seek legal counsel immediately. Otherwise, the odds are high that you’ll settle for far less than you could have gotten with help from a lawyer.
Uninsured/Underinsured Motorist Laws in Colorado
Colorado has been an “at-fault” insurance state since 2003. This means all drivers must seek coverage from the at-fault party’s insurance company after a collision. Like all states, it’s mandatory to carry at least the minimum amount of auto insurance to operate a vehicle in Colorado. That way, all drivers can pay for other drivers’ damages if they cause accidents. Driving without the required insurance is against the law and can result in four points on a driver’s license, a fine of up to $1000, and license suspension.
The minimum insurance liability limits in Colorado are $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 per accident for property damage. All other forms of auto insurance – including uninsured/underinsured (UM/UIM) insurance – are optional. Uninsured/underinsured motorist insurance helps cover a crash victim’s expenses after a collision with a driver who doesn’t have adequate insurance coverage. It is an optional, additional type of coverage you can pay for if desired. Many Colorado drivers have a UM/UIM provision in their policy without knowing it.
What to Do in an Uninsured/Underinsured Motorist Claim
After an accident with a driver who doesn’t have enough insurance, call your insurance company and ask if your policy contains uninsured/underinsured motorist insurance. If so, this part of your policy may bridge the gap between what the other driver’s insurance company can pay and the cost of your damages. Enlist an attorney to file a claim with your own auto insurer requesting the difference in amounts. Pursuant to the State of Colorado Code of Regulations, your insurance company is generally prohibited from increasing your premiums for pursuing a UM/UIM claim. These are benefits for which you’ve already been paying, and the insurance company cannot punish you for utilizing those benefits.
Filing a personal injury lawsuit against the other driver might not result in enough damages since someone who drives without insurance probably doesn’t have the funds to pay out a settlement or judgment. However, filing a lawsuit against the city for an unsafe road, a company for hiring the driver, or an auto part manufacturer for contributing to the collision could result in proper compensation. Working with our attorneys can help you seek recovery through all available outlets.
Contact Us Today
If you’ve been in a car accident in Denver and the at-fault driver doesn’t have enough insurance – or any insurance coverage at all – contact us. We offer free consultations so crash victims can review their rights and options at no obligation.