Mintz Law Firm
DENVER 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 liability coverage, some still choose to get behind the wheel and put the well-being of other drivers at risk. If you are in a car accident with an uninsured driver, you may be interested in learning about how to receive compensation for your losses.
Your first step should be to contact an expert Denver, CO uninsured/underinsured motorist attorney who can determine your legal options based on your specific case and the financial position of the at-fault uninsured party. You will likely have at least two options: file a claim against your own insurance provider for uninsured motorist benefits, or sue the uninsured driver. This is where Mintz Law Firm comes in.
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 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 monthly rate. 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 Denver 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.
SHOULD YOU SUE AN UNINSURED DRIVER AFTER A DENVER CAR ACCIDENT?
You may sue the other driver directly, though this alternative isn’t always profitable. Uninsured drivers may not have insurance coverage because they are not in the financial position to purchase it, meaning they may not have much money to offer you. An expert Denver underinsured auto accident attorney can determine if filing a lawsuit against the uninsured driver makes financial sense.
If this is the option you choose to explore, 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 PERSONAL INSURANCE PROVIDER AFTER A CAR ACCIDENT
If you decide not to sue the other driver, there are other ways you might be able to receive compensation and support from your insurance provider:
- Collision coverage would mean your insurance company makes payments to replace or repair your vehicle after an accident. The company can charge a deductible, but may not always do so.
- Medical payments coverage may help pay for your treatments and medical care—up to your policy’s limit—for you and any passengers in your car if you are injured in a crash. This is the case regardless of who is considered responsible for your losses. Deductibles are uncommon, but please check your personal policy to be sure.
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 a collision involving an uninsured or underinsured driver. Fortunately, if you find yourself in a sticky situation, our trusted team of experienced Denver car accident lawyers can help you determine what’s best for you based on the circumstances of your case.
CONTACT DENVER UNDERINSURED/UNINSURED MOTORIST LAWYERS
At Mintz Law Firm, we know how difficult and stressful it can be to get into a car accident with an uninsured driver. Navigating through this can be time-consuming and infuriating, so we want to make this as simple as possible. Once we determine a strategy based on your needs and circumstances, 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 matters: your health, recovery, and financial security. With over 150 years of experience combined, the attorneys at Mintz Law Firm understand the specifics of car accident law in Colorado and will aim to achieve the best results possible. Our team of Denver uninsured accident lawyers is dedicated to securing justice for all of our clients. For a free consultation, call (303) 732-8919 or fill out the contact form on our website.