Uninsured/Underinsured Motorist

Uninsured / Under-Insured Motorist

Being in a car wreck is a serious struggle from start to finish. Nothing adds to the frustrations of injuries and car damage like finding out that the person that caused the collision is uninsured or does not have enough insurance to cover the costs of your medical treatment. Never mind the fact that you are unable to work, missing bill payments, rent or mortgage, car payments, credit card bills – and just trying to stay afloat. The law says they are responsible for compensating you, but their insurance company says there is not enough to go around… or maybe there’s nothing at all.

Now what? Colorado law states that your uninsured / under-insured motorist coverage, which you pay for every single month, must step in. At no extra cost to you. Even further, Colorado law states your own insurance company must pay without increasing your premium or dropping you from their coverage. And in most cases, the coverage you purchased will be stacked on top of any coverage the at-fault party carried.

BEWARE: Your insurance carrier is not your friend!

You are not “in good hands,” and they are not “on your side.” Insurance companies have obligations to shareholders that often get placed before their obligations to their insureds. When your uninsured motorist or under-insured motorist carrier steps in to fulfill their duties in your case, they immediately become a defendant against you. That means they will be scrutinizing your claim in order to pay what they feel is appropriate, not what your claim may actually be worth.

Do not confuse your insurance carrier as your counsel or an advocate on your behalf. In truth, the insurance carrier hires an attorney of their own as an opponent to you. Your insurance company will use everything you ever told them about yourself against you. Remember when they asked you about your medical history? That is now their ammunition for paying you less – or not at all – for your injuries. Remember when you told them you were out of work for a while? Now they will not want to pay you for being out of work for this wreck. Your insurance company has an attorney, so make sure you do, too! Our experienced team will work diligently to obtain the maximum compensation, not just what your carrier and their shareholders want to pay.

If you or a loved one have been injured by an uninsured party or by a person who does not have enough coverage to meet their compensation obligations under the law, our team will step in to make sure your insurance company is not the only one with an advocate fighting for them.