No Insurance. No Problem. We Help Crash Victims Hit by Uninsured or Underinsured Drivers Pursue Every Possible Means of Recovery.
Even if the driver who hit you wasn’t insured, you may still have a legal path to compensation. Let our team of accident attorneys fight for what you’re owed.
You Got Hurt—And Now You’re Told There’s “No Coverage”?
You were doing everything right. Driving safely. Following the law. Then suddenly—impact. You’re injured, shaken, and now facing a wall of financial uncertainty. To make matters worse, you find out the driver who hit you doesn’t have insurance—or doesn’t have enough. Medical bills are piling up. Your car is damaged. And the insurance company isn’t giving you straight answers. At Fisher and Associates, we’ve seen this story far too often. But here’s the truth: you’re not out of options.
Our team helps injured Coloradans recover compensation even when the at-fault driver is uninsured or underinsured.
Uninsured Motorist Accidents in Colorado: What You Need to Know
Uninsured and Underinsured Drivers Are All Over Colorado Roads
An estimated 8% of drivers in Colorado are driving without insurance. Many more carry only the state minimum—just $25,000 per person. That doesn’t go far when you’ve been seriously hurt.
These drivers put responsible people like you at risk—and then leave you holding the bill. Whether your accident happened in downtown Denver, along I-70, or in a hit-and-run in Colorado Springs, we can help you make a plan to move forward.
Can You Sue an Uninsured Driver in Colorado?
Yes, you can sue an uninsured driver—but collecting money is a different story.
In many cases, uninsured drivers don’t have assets or income worth pursuing in court. That’s where an experienced uninsured motorist lawyer can make a real difference.
We look for smarter, more strategic ways to recover money for your injuries, including:
- Filing a UM/UIM claim through your own insurance policy
- Exploring third-party liability, such as an employer or the vehicle owner
- Taking legal action against the at-fault driver if they do have collectible assets
Every case is different—but we’ll walk you through the best path based on your situation.
How Uninsured/Underinsured Motorist (UM/UIM) Coverage Works
Colorado drivers are offered automatically UM/UIM coverage when they purchase a policy. If you didn’t waive it in writing, you likely have it—and it can cover:
- Medical expenses
- Lost wages
- Pain and suffering
- Future care or permanent disability
But just because it’s your own policy doesn’t mean your insurance company will make it easy. We regularly handle cases where the insurer:
- Delays UM/UIM investigations
- Denies valid claims
- Offers lowball settlements
- Refuses to explain coverage
As your underinsured motorist lawyer, we’ll hold them accountable and demand what you are rightfully owed.
Why Hire Fisher Injury Law for Uninsured Motorist Cases?
Veteran-Led. Strategy-Driven. Insurance Companies Don’t Intimidate Us.
Attorney Paul Fisher is a U.S. Army veteran who brings commitment, precision and client-first service to every case. When your own insurance company isn’t treating you fairly, you need someone who won’t back down.
Here’s what sets us apart:
- You speak directly with an attorney—never a case manager
- We dig into your insurance policy, track down all liable parties, and build a full-scale legal strategy
- We don’t let insurers delay or dodge—we hold them accountable
We’ve helped injured Coloradans recover millions in compensation, including from UM/UIM claims and uninsured driver lawsuits
If you’ve been hit by someone with no insurance—or not enough—you need a team that knows the law and how to get you the maximum available compensation for your claim.
Our 3-Step Plan for Recovering Compensation
Here’s How It Works:
1. Schedule a Free Consultation
We’ll review your accident, your policy, and your legal options at no cost.
2. We Handle the Investigation and Claims Process
We’ll deal with the insurance companies, yours and theirs, so you don’t have to.
3. You Focus on Healing
We’ll fight to get you fair compensation for your injuries and other damages—so you can move forward.
Uninsured Motorist Accident FAQs
Can you sue an uninsured driver in Colorado?
Yes—but collecting damages is often difficult. We’ll evaluate whether a lawsuit is worthwhile or if your insurance coverage offers a better recovery path.
How do I sue an uninsured motorist?
You’ll file a personal injury lawsuit, but we recommend exhausting all insurance avenues first—including UM/UIM coverage.
Lawsuits against uninsured drivers may not result in an actual collectable judgement.
What if the other driver fled the scene and was never found?
Hit-and-run victims are often covered under UM policies. We handle these claims and help you submit a UIM claim to your insurer.
Will my premiums go up if I use my uninsured motorist coverage?
Not typically. Colorado law prohibits insurers from raising your rates just for using UM/UIM coverage when you weren’t at fault.
What if my insurance company denies my UM claim?
Call us. We’ve successfully challenged denials and forced insurers to honor their own policies.
Don’t Let the Lack of Insurance Cost You Everything
The other driver may not have insurance—but that doesn’t mean you’re powerless. At Fisher and Associates, we’ve helped countless clients recover compensation after uninsured and underinsured motorist accidents. We know the laws. And we know how to maximize your recovery.
Call 24/7 for a Free Consultation with a Denver Uninsured Motorist Attorney
You’ll speak directly with an attorney, not a case manager. And you pay nothing unless we win.
