If you were hit by someone without insurance, don’t panic. Colorado law—and the right legal team—can still help you recover compensation.
“They Didn’t Even Have Insurance—Now What?”
You did everything right. You followed the rules of the road. But then—bam—you’re blindsided at an intersection. Your car is wrecked. You’re injured. And when the dust settles, you learn something that makes it even worse:
The other driver doesn’t have insurance. Now you’re stuck with the question every victim dreads: “How am I going to pay for all of this?” At Fisher Injury Law, we help Colorado crash victims navigate exactly this situation. Here’s what you need to know—and how to protect yourself from being left with the bill.
Driving Without Insurance Is Illegal—But Still Shockingly Common
In Colorado, drivers are legally required to carry liability insurance. As of 2024, the minimum limits are:
- $25,000 per person for bodily injury
- $50,000 per accident
- $15,000 for property damage
But not everyone follows the law.
The Insurance Research Council estimates that high percentages of Colorado drivers are uninsured—and many more are underinsured, carrying only the bare minimum coverage.
That means thousands of drivers on Colorado roads don’t have the financial resources to cover the damage they cause. And when they hit you, the consequences can be life-altering.
What Is Uninsured Motorist Coverage—and Do You Have It?
The good news: You may already have coverage for this exact scenario.
It’s called UM/UIM coverage (Uninsured/Underinsured Motorist). This optional part of your auto policy kicks in when:
- The at-fault driver has no insurance
- The at-fault driver’s coverage isn’t enough to pay for your damages
- You’re the victim of a hit-and-run (which legally counts as an uninsured motorist situation)
Colorado law requires insurers to offer UM/UIM coverage when you buy a policy. If you didn’t sign a waiver rejecting it, you likely have it—even if you don’t realize it.
UM/UIM coverage can help pay for:
- Emergency room bills and ongoing medical treatment
- Lost wages from time off work
- Future care costs
- Pain and suffering
- Out-of-pocket expenses (like transportation or rehab)
But here’s the catch: UM claims are filed against your own insurance. And that means your insurer may suddenly stop acting like your ally.
What If You Don’t Have UM/UIM Coverage?
If you declined UM/UIM or your damages exceed the limits of your policy, don’t lose hope—you may still have options.
- You can sue the at-fault driver directly. However, uninsured drivers often lack assets, making collection difficult.
- Your attorney may explore third-party liability—for example, if a defective car part, road hazard, or commercial entity contributed to the crash.
- In some cases, your own health insurance or treatment provided on a lien basis can help bridge the gap while your legal claim is pursued.
The most important thing? Don’t assume you’re stuck. Let an experienced personal injury lawyer review your situation before you assume that you have no options.
Your Own Insurance Company May Fight Your Claim
When you make a UM/UIM claim, you’re not suing the other driver—you’re making a claim against your own insurer.
That surprises many people. But more importantly, it changes the relationship.
Suddenly, the company you’ve paid premiums to for years is looking for reasons to minimize your payout:
- “Your injuries aren’t that serious.”
- “You had pre-existing conditions.”
- “We don’t think the crash caused your pain.”
- “We think you’re partially at fault.”
Don’t try to handle this fight alone.
How Fisher Injury Law Helps Victims of Uninsured Driver Accidents
We’ve handled hundreds of cases where the at-fault driver didn’t have insurance—or didn’t have enough.
Here’s how we help:
Policy review: We examine your auto policy to uncover every source of available compensation
UM/UIM claims: We handle negotiations with your own insurer and fight for maximum recovery
Full damage documentation: We prove how the crash has impacted your life—physically, financially, and emotionally.
Litigation-ready: If your insurer won’t deal with you fairly, we’re prepared to take your claim to court.
We’re veteran-led, client focused, and we handle every case with dedication and commitment. You don’t have to deal with this alone.
Your 3-Step Plan After Being Hit by an Uninsured Driver
- Call Fisher Injury Law Immediately
Don’t wait for the bills to pile up. Early action helps preserve evidence and prevent mistakes. - We Investigate All Coverage Paths
From your auto policy to third-party claims, we leave no stone unturned. - You Focus on Recovery While We Handle the Legal Fight
We’ll go after the compensation you deserve—so you don’t get stuck paying for someone else’s negligence.
Hit by an Uninsured Driver in Colorado? You’re Not Out of Options.
Call Fisher and Associates P.C. Colorado Accident Lawyers today for a free consultation.
Erica Long represents plaintiffs in all forms of accident cases including car and motorcycle accidents, wrongful death, and slip and fall injuries. She is licensed to practice law in both the State of Colorado and the State of California. Ms. Long earned her bachelor’s degree from the University of California, Berkeley and her Juris Doctor degree from the University of California, Berkeley School of Law.
