Denver Underinsured Driver Accident Lawyers
If you suffered injuries due to an accident with an underinsured driver, contact Front Range Injury Attorneys for a free case review. Our Denver underinsured driver accident lawyers will pursue every avenue to get you the compensation you deserve. Colorado law requires drivers to carry liability insurance for bodily injuries. Unfortunately, the minimum limits required under state law are frequently not enough to cover your medical bills, lost wages, pain and suffering, and other damages. Investigating all possible insurance coverage and assets to make you whole is an important part of our work for clients. If you suffered injuries by an uninsured or underinsured driver, contact us for a free case review. Our lawyers have experience uncovering hidden insurance coverage to help you get the compensation you deserve.
Why Trust Front Range Injury Attorneys?
At Front Range Injury Attorneys we care about helping our clients throughout their cases. We believe clients are best served when our personal injury attorneys participate in their cases from start to finish. We help our clients get the best treatment for their injuries. By building up your case from the beginning, we build a strong case to get the best results. Our attorneys are experienced with helping clients after underinsured accidents get the compensation they deserve.
How we can help you
Watch this video to see managing attorney Adam Kielich discuss underinsured motorist accidents and how our law office can help you recover for your losses.
Contact Front Range Injury Attorneys to discuss your Colorado auto accident case. We offer free case reviews for injury and accident cases across the state.
Tell us about your case
Why you need an attorney for an underinsured motorist accident
Insurance companies make profits by keeping money, not by paying on claims. They will not help you unless it helps them. You can count on insurers to find ways to delay, deny and devalue your claim.
You need somebody on your side to help you stand up for your rights and what you deserve. Our Denver car accident attorneys have the expertise to evaluate your case, help you get the treatment you need and bring your case to the best resolution possible.
Colorado mandatory liability insurance requirements
Colorado law requires drivers to maintain liability insurance for property damage and bodily injury caused to other people. Individuals in Colorado must carry minimum liability coverage including:
- $25,000 for bodily injury or death for any one person in an accident
- $50,000 for bodily injury or death of all persons involved in a single crash
- $15,000 for all property damage caused in a single accident
Commercial vehicles have different insurance requirements. Rideshare companies, commercial trucks and government vehicles must carry liability coverage as well.
Each state sets its own minimum insurance coverage limits. Most states require $25,000 per person up to $50,000 per accident for bodily injury coverage, but some require less. If an out of state driver with a policy from a state with lower limits collides with you, the driver may have even less coverage to pay your damages.
Uninsured/Underinsured Motorist Coverage (UM/UIM) for car accidents
Colorado permits car owners to buy coverage for you and people in your car when you are in accidents caused by underinsured motorists. This coverage is known as uninsured/underinsured motorist coverage. It is often abbreviated as UM/UIM coverage. UM/UIM coverage pays you and your car’s passengers for another driver’s negligence. This coverage applies when the negligent driver does not have enough bodily injury coverage to make you and your passengers whole.
Although the coverage is part of the same premium, it works slightly differently if the at-fault driver is uninsured or underinsured.
Uninsured motorist coverage pays when the responsible driver lacks liability coverage entirely. The UM coverage pays from $0 to your policy limit for all bodily injury damages. UM coverage takes the place of the missing liability coverage.
Underinsured motorist coverage pays when the driver lacks enough coverage to make every person in your car whole for injuries caused by the accident. UIM coverage stacks on top of the at-fault driver’s bodily injury limits. UIM coverage adds to the driver’s liability coverage.
UM/UIM coverage is optional and you may only buy UM/UIM coverage up to the same bodily injury limits as your own liability limits.
Compensation for injuries caused by an underinsured driver in Colorado
If you suffered injuries in an accident caused by an underinsured motorist, you can pursue an insurance claim or personal injury lawsuit. Our Denver underinsured driver accident lawyers will investigate and pursue every option to recover compensation. Our lawyers will review all applicable coverage to determine the maximum coverage available for your case. We will work with you to make decisions throughout your case to get you the best medical treatment and the best resolution to your case.
Just because a driver is underinsured does not mean you cannot recover for your injuries and financial losses. You can recover damages from an underinsured motorist including:
- Medical bills
- Future medical expenses
- Pain and suffering
- Disfigurement and scarring
- Permanent injuries and lack of use
- Lost wages
- Lost future earning potential
- Emotional distress
Underinsured motorist accidents are complex because they often require balancing many objectives to get the best result. We will help build a strategy to consider the options to obtain compensation against your medical needs and other financial concerns. Our Denver underinsured motorist accident attorneys will help you every step of the way to get the best result. We can help you across Colorado from Denver to Colorado Springs to Fort Collins and across the Rockies.
Contact our Denver underinsured motorist accident lawyers
Car accidents are a challenging experience. It can be even more challenging to discover your injuries and financial losses exceed the policy limits of the negligent driver. Our Denver underinsured motorist accident lawyers help clients in your situation. We will investigate and pursue all possible avenues for additional compensation. You can count on Front Range Injury Attorneys to work hard for you. Contact us today for a free case review.
Frequently asked questions
It may require significant investigation to determine how much coverage may apply to your case. We always want to uncover all possible sources of recovery, but when it appears there is insufficient coverage for the liable driver, we need to find every penny we can.
Often this requires investigating the driver, the car owner, your UM/UIM coverage and other people who may have applicable policies. We may need to use resources unavailable to the general public to uncover hidden policies or assets.
As long as a driver carries the minimum coverage for the state where they registered the car, the driver has not broken any laws.
An uninsured driver with no coverage may get a ticket for not having coverage. As long as the driver accepts the ticket, the investigating police department usually will not take them to jail. The driver may pay a fine or lose their license for driving without coverage.
Sometimes a lawsuit is appropriate when a driver lacks sufficient coverage. This is a decision your lawyer will make in consultation with you.
An important issue to decide whether to sue an underinsured motorist is whether you will get more money in a lawsuit. An insurance company generally does not have a duty to pay more than the policy limits on the negligent driver’s policy. If you file a lawsuit and the jury awards a large verdict, the insurance company still generally only owes the policy limits.
Any amount of a verdict above the insurance coverage is the personal responsibility of the at-fault driver. You must pursue the at-fault driver’s assets and may risk a bankruptcy wiping out the judgment.
Your lawyer will investigate the likelihood of assets to satisfy a judgment and discuss with you the risks involved. Ultimately, it is always your right to sue a driver. Whether it is in your best interests is a discussion for your Denver underinsured motorist accident lawyer after investigating your case.