Mintz Law Firm
COLORADO UNINSURED OR UNDERINSURED MOTORIST LAWYER
If you’ve ever been in a car accident as a result of someone else’s negligence, you know that the insurance of the at-fault driver typically pays for the damage. But what if the other driver doesn’t have insurance? Although it’s illegal for drivers in the State of Colorado to operate a vehicle without maintaining the proper level of liability coverage, some still choose to get behind the wheel and put the wellbeing of other drivers at risk. If you find yourself in a car accident with an uninsured driver, you may wonder how you can receive compensation for the damages.
Your first step should be to contact an expert Colorado uninsured/underinsured motorist attorney who will best be able to determine your legal options based on the facts of your case and the circumstances of the uninsured at-fault party. Your lawyer will likely present you with two possible options: filing a claim against your own insurance company for uninsured motorist benefits and suing the uninsured driver for damages.
WHAT TO KNOW ABOUT FILING AN UNINSURED DRIVER CLAIM AFTER AN ACCIDENT
If the at-fault driver doesn’t have insurance, the car accident lawsuit process may not result in compensation, even if it’s clear that the other party was at fault. That’s why it may be in your best interest to plan ahead by purchasing insurance coverage for bodily injury caused by uninsured and underinsured drivers.
Nearly every Colorado car insurance company offers drivers the option of securing uninsured motorist (UM) coverage for a slightly higher rate each month. If purchased, you’ll have help paying for medical bills, lost wages, or car repairs—up to your policy cap—if you’ve been hit by a driver without car insurance. UM coverage essentially takes over as liability coverage for the uninsured at-fault driver. Keep in mind that you must still negotiate a settlement with your insurer.
If the insurance company fails to honor the policy you’ve purchased by denying your claim or lowballing the amount you deserve, reach out to an experienced car accident attorney to help you fight for your rights. Our legal team of uninsured and underinsured motorist lawyers is here to get the ball rolling and fight to recover the compensation you deserve, whether that’s from the other driver’s insurance company or your UM motorist coverage.
IS IT SMART TO SUE AN UNINSURED DRIVER AFTER A DENVER CAR ACCIDENT?
You may also consider suing the other driver directly, though this alternative isn’t always profitable. Uninsured drivers typically have very little money available to compensate you for the damages caused to you and your vehicle. An expert car accident lawyer will better be able to determine if filing a lawsuit against the uninsured driver makes financial sense.
If this avenue is what you and your lawyer decide to pursue, keep in mind that the at-fault party may file for bankruptcy, which may further delay your ability to collect, or prevent you from fully recovering, the amount of the damages caused by the negligent driver.
SEEKING COMPENSATION FROM YOUR OWN INSURANCE COMPANY AFTER A CAR ACCIDENT
If you don’t have UM coverage and decide not to sue the other driver, there are other potential methods for receiving compensation from your policy:
- Collision coverage would certify that your insurance company pays to repair or replace your car if it’s damaged in an accident. The company may or may not charge a deductible.
- Medical payments coverage may help pay for the medical expenses—up to the limit of your policy—for you and the other passengers in the vehicle if you are injured in a car crash, regardless of who caused it. Usually there’s no deductible, though it’s best to check your individual policy.
It wasn’t long ago that you could count on your medical bills being covered regardless of who was at fault after an automobile accident. However, insurance laws were altered in 2003, which now 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. Fortunately, if you find yourself in a sticky situation, our trusted team of experienced Colorado car accident lawyers can help you determine what’s best for you based on the circumstances of your case.
CONTACT COLORADO UNDERINSURED/UNINSURED MOTORIST LAWYERS
At Mintz Law Firm, we know how frustrating it can be to get into a car accident by means of a negligent motorist, especially if the at-fault driver doesn’t have insurance. The process can often be infuriating, complex, and time-consuming, which is why we want to make this as pain-free and easy as possible for you. After meeting with you one-on-one to determine a strategy based on the facts of your case, we can help you recover what’s owed to you by your insurance company and make sure that your insurer treats you fairly.
Don’t make the mistake of going at this alone. Let us do the hard work for you so that you can focus on what really matters: your health, recovery, and financial security. With over 150 years of combined experience, the attorneys at Mintz Law Firm understand the specifics of Colorado car accident law and will aim to achieve the best results possible. Our team of lawyers is dedicated to securing justice for all of our clients. For a free consultation, call (303) 462-2999 or complete our online contact form today.