Denver Uninsured Motorist Lawyer

Denver uninsured motorist lawyer

Every day, there are numerous car accidents that cause serious injuries. Getting into an auto accident is stressful, traumatic and painful, but it’s even worse when the accident was caused by an uninsured or underinsured motorist.

Probably the reason more personal injury lawsuits aren’t pursued is because the injury victim wrongly decides that it’s not worth it without first speaking to an injury attorney. If the driver responsible for an accident and injury has no insurance, for example, the victim may think that filing a personal injury claim is futile. Many people believe without insurance companies backing the at fault driver, there’s no chance to receive compensation. You can’t give up that easily if you’ve been injured by someone else’s negligence. At the Denver-based law firm of Norton and Bowers, P.C. we know how to win compensation for our clients even when the party responsible for your injury is an uninsured or underinsured driver.

FILING AN UNINSURED OR UNDERINSURED MOTORIST CLAIM

An uninsured or underinsured motorist claim in Colorado is much different than a claim against the at-fault party. In addition to Colorado law, your own insurance policy may have terms and conditions which must be met in order to pursue such a claim (such as “notice” requirements or arbitration). Uninsured or underinsured motorist coverage may also be available to you even if your insured vehicle is not involved in the collision. Uninsured and underinsured motorist claims in Colorado often have different statute of limitations for pursuing the case. This means that you must comply with certain deadlines or your claim could be lost forever. An insurance company in the uninsured motorist claim context most likely has a duty of “good faith and fair dealing.” This requires that your insurance company treat you fairly or it risks a bad faith lawsuit in addition to your injury claim. You also have greater responsibilities to cooperate. For example, you may need to seek permission from your insurance carrier to settle with the at-fault party BEFORE settlement or your underinsured motorist claim could be in jeopardy.

WHAT ARE THE INSURANCE REQUIREMENTS IN COLORADO?

Under Colorado law, motorists are required to purchase and maintain a minimum amount of liability insurance as defined by the law. The liability coverage refers to the coverage that you must purchase to cover the costs of bodily injury caused to another person in an accident you’re involved in. It also will cover the property damage that is caused to the other person’s car in an accident that you cause.

Under the law, a Denver motorist must possess a minimum of $25,000 per person in bodily injury liability coverage, and $50,000 per accident for bodily injury liability. A motorist must also possess a minimum of $15,000 per accident for property damage. You can purchase insurance in excess of these limits, but these are the minimum insurance requirements that are in place under the law.

Apart from these minimum insurance requirements, you may also purchase additional coverage in order to boost protection for yourself. For instance, you can purchase uninsured motorist coverage that will help cover your damages if you are involved in an accident involving a motorist with no insurance. Colorado has some of the highest rates of uninsured motorists in the United States, and ranks in the top 10 list of states based on the number of uninsured motorists driving on its streets. That means that your chances of being involved in a motor vehicle accident with an uninsured motorist are fairly high. If you are involved in an accident with one of these motorists, you could face challenges regarding compensation. The most effective protection that you have against uninsured and underinsured motorists is uninsured/underinsured motorist coverage, to cover damages. These policies are not available as standalone policies, and are provided as an addition to your existing automobile insurance policy. Some policies not only protect you from uninsured or underinsured motorists while you’re in a vehicle, but also while you’re walking or riding a bike.

If you’re involved in an accident with an uninsured motorist, then your uninsured motorist coverage will kick in to cover expenses. If you are involved in an accident with a motorist, whose insurance is not sufficient to cover the cost of your damages, then you can seek damages under your underinsured motorist coverage. Speak to a Denver car accident lawyer at Norton and Bowers, P.C. for help filing a claim after an accident.

WE CAN GIVE YOU THE ADVANTAGE

If your claim amounts to $200,000 and the other driver’s insurance limit is only $100,000, you’ve could have a problem. If the driver who injured you is uninsured, you could have a bigger problem. A knowledgeable Denver uninsured motorist lawyer at Norton and Bowers, P.C. can explain your rights and options in these cases. We will help you get the most out of your own uninsured or underinsured motorist (UM/UIM) coverage, which is there to protect you when the other driver’s policy limits can’t meet your claims or don’t even exist. Our experience pursuing UM and UIM claims under Colorado insurance law can give you a significant advantage whenever your losses exceed the other driver’s insurance coverage. Colorado has one of the highest rates of uninsured drivers in the country, with estimates ranging between 15 and 20 percent according to the Insurance Research Council.

LET US GO TO WORK FOR YOU

To learn more about our experience with difficult UM/UIM insurance claims and cases, contact the experienced Denver uninsured motorist lawyers at Norton and Bowers, P.C. Our Denver personal injury lawyers serve clients on a contingency fee basis. This means there is no attorney fee until we obtain your recovery. Our team of attorneys have years of experience working in all types of cases, including those involving pedestrian accidents, motorcycle accidents, slip and falls, and premises liability laws.

If you’ve been injured by an uninsured or underinsured driver in Denver or anywhere in the state of Colorado, call us today at 303-400-8100 or fill out the form on this site to arrange a free consultation. You’ll be able to speak directly to an injury lawyer about your case for legal advice and direction on how to move forward to receive the full compensation you deserve. Offsite, weekend, and evening appointments are also available with our experienced staff. If you’re injured in Colorado by an uninsured or underinsured driver, let the team at Norton and Bowers, P.C. go to work for you as quickly as possible to defend your rights and help you recover compensation.

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