What happens when you’re in an accident and the other driver was at fault, but he or she isn’t carrying adequate insurance to cover your losses and injuries? If you’re struck by an uninsured/underinsured driver, it is extremely difficult to pursue damages for those injuries. Our advice: take out your own uninsured/underinsured coverage and medical payments policies so if you’re ever struck by an uninsured or underinsured driver, you’ll be covered and won’t be on the hook for their negligence.
Although it’s illegal for drivers in the state of Colorado to operate a vehicle without maintaining the proper level of coverage for liability, there are those who still choose to get behind the wheel anyway, putting the lives and well-being of other drivers at risk.
It wasn’t all that long ago that you could count on the fact that your medical bills would be covered, regardless of who was at fault during an automobile accident. Unfortunately, times have changed. Insurance laws were altered back in 2003, which means that Colorado drivers now need to take extra precautions against the threat of being involved in an accident with an uninsured or underinsured driver.
Even when the other driver is proven, beyond a doubt, to be at fault for an accident, this conclusion will do you little to no good if their insurance (or lack thereof) is unable to cover your personal injuries and damage to your property. As your trusted personal injury attorneys, we are more than qualified and happy to help you file a lawsuit against the at-fault driver and fight for compensation for your losses. Unfortunately, the results of such a lawsuit are not immediate, and it could be some time before you are able to recover financial compensation from a defendant without insurance or assets.
It is for this very reason that we always want our clients to plan ahead by purchasing insurance coverage for bodily injury caused by uninsured and underinsured drivers. Paying for that insurance coverage may seem like a pain right now, but it will make sure that you and your loved ones are able to receive the benefits you paid for after an accident caused by a driver without insurance, or without enough insurance. We also urge you to never cut your losses and move on with life without pushing for justice. After paying into your insurance policy, you have a right to have your insurance company treat you fairly when making a claim for the uninsured or underinsured motorists benefits you paid for. Your insurance company’s failure to treat you fairly leaves it open to claims for additional compensation for its bad behavior. Just because it’s YOUR insurance company doesn’t mean that it’s not going to try to give you as little as possible for your case. Our legal team is here to get the ball rolling and fight to recover all of the compensation you deserve, whether that’s from the other driver’s insurance company or your uninsured/underinsured motorist coverage.