Uninsured & Underinsured Motorist Accidents

Uninsured Motorist Accidents & Underinsured Motorist Accidents

Who is going to pay for this car accident?

Uninsured Motorist Accidents & Underinsured Motorist Accidents

We help people injured in car accidents who have uninsured and underinsured motorist coverage.

It is important to buy uninsured motorist coverage.  Across the country, one in eight drivers do not have motor vehicle insurance coverage.  In 2015, 13 percent of motorists, or about one in eight drivers, was uninsured, according to a 2017 study (latest data available) by the Insurance Research Council (IRC).  .

This is true for Colorado as well. 13% of people on the roads in Colorado do not have motor vehicle insurance.

Uninsured motorist coverage applies to hit and run collisions.

Insurance Companies Must Offer You Uninsured & Underinsured Motorist Coverage

In Colorado, your insurance agent is required to offer you uninsured and underinsured motorist coverage. You may purchase as much as the bodily injury coverage you have to protect you if you cause a car accident.  In other words, if you purchase 25,000 of bodily injury coverage, you may purchase 25,000 of uninsured and underinsured motorist coverage.  If you purchase 100,000 in bodily injury coverage, you may purchase 100,000 in uninsured and underinsured motorist coverage.

Underinsured motoriist coverages applies to underinsured motorist accidents

What Uninsured & Underinsured Motorist Coverage Applies to the Car Accident?

Take a look at your declarations page for this year.  The coverage in effect on the day of the car accident is the coverage that applies to the loss.  Uninsured coverage and under insured coverage is often listed at the end of the declarations page.  There is also uninsured property damage coverage.  This applies to repairing or replacing your damaged vehicle.  It does not apply to your bodily injuries.

What to Do when the Other Driver does not have Car Accident Insurance?

What to Do when the Other Driver does not have Car Accident Insurance?

Uninsured motorist coverage is for hit and run accidents or accidents where the driver and the car owner have no car accident insurance.  It is important to get the vehicle registration of the at-fault driver to see if the car owner is different from the driver.  Of course, you should call the police so that the police will obtain all that information.  However, the police do not respond to every car accident.  When the police do not respond, get a copy of the vehicle registration, the insurance information, a copy of the at-fault driver’s driver’s license, a picture of the vehicle and the vehicle’s license plate.  All this information may lead to finding at-fault insurance.  If it does not, you may have to make an uninsured motorist claim.

When does Underinsured Motorist Coverage Apply?

Each state has different laws on minimum coverage of uninsured and underinsured motorist endorsements.  In Colorado, the minimum amount of uninsured and underinsured motorist coverage that you can buy is 25,000 per person and 50,000 per car accident.  While many people do not have car accident insurance at all on the road, some people only get the minimum policy.

The minimum car accident policy is often not enough to cover injuries that commonly occur in a car accident.  Underinsured coverage pays for injuries above the at-fault driver’s policy.  That is why it is important to buy uninsured and underinsured motorist coverage. They are tied together in Colorado so if you purchase uninsured motorist coverage, you have underinsured motorist coverage in the same amount.

We are Your Voice to the Insurance Companies

I would love to thank for all the work that Mr. Myers and his co-worker had done for my case. Bret Mayers, who is very professional and hard working man. He would listen and take alot of his time to help you with the Law.

-Thien Le's Five Star Google Review

La ayuda del Sr. Myers estuvo exelente. Estoy my contenta por toda la ayuda y resultados.

-Maribel Lozoya's Five Star Google Review

I recommend Mr. Myers and Mr. O'Connell. Office staff always responsive and worked hard to get the best outcome for their clients with realistic goal.

-Young K.'s Five Star Google Review

Car accident attorneys help with uninsured motorist accident.

If you have been injured by an insured driver, it is important to consult with an attorney right away.  Your attorney will help you determine whether insurance coverage applies to the collision and investigate the collision to find the at-fault driver if possible. Insurance companies have responsibilities.  You will need an attorney to make sure they do what they are supposed to do.

You can reach us, Lee Myers, & O’Connell, for a free consultation about your rights by:

Clicking on the LiveChat button on the screen or calling us at the telephone number above.