Fisher Injury Law

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Colorado's Award-Winning Injury Lawyers

What is Uninsured Motorist Coverage?

Uninsured Motorist Coverage can be defined as a protection of compensation for you, your passengers, and your car to recover from the injuries and damages caused by the opponent who doesn’t have any insurance coverage.

Depending on the kind of damages or injuries, Uninsured Motorist can be further classified into two categories:
1. Uninsured Motorist Bodily Injury (UM or UMBI) which covers your injuries when you get into an accident and the at-fault driver is not insured. UMBI can pay your medical bills as well as cover your lost wages.

2. Uninsured Motorist Property Damage (UMPD) covers you when you are hit by an uninsured at-fault driver, it can help you pay for damage to your vehicle and personal property. Besides providing protection against a non-insured driver, you can also claim the same for a case when the at fault driver escapes after hit and run accident.
It can also help you in seeking compensation if an insured driver whose property damage liability limit is not enough to cover the full amount of damage to your vehicle.

Hit by an Uninsured Motorist?

An automobile accident is a painfully frustrating experience that can be made even worse if the person responsible for the accident doesn’t have insurance. Car accidents can cause you severe financial hardship because you may have to pay expensive medical bills as well as the cost of repairing your vehicle. Depending on the nature of the injuries, you may also be forced to miss work for a period of time as you recover, furthering the financial damage. If you have been in a car crash with an uninsured driver, it is critically important to contact our firm right away.

uninsured motorist

Being involved in a car accident is trouble enough, but when the driver of the other vehicle is uninsured, it can present a whole set of new problems. Your insurance company may cover your damages depending on your policy, but many times you are left having to shoulder some of the cost. Most auto insurance policies in this country provide an uninsured motorist clause that will guarantee you coverage if you are involved in an accident with an uninsured motorist. However, the policy owner has to pay a premium to their insurance company in order for their policy to include this clause.

Uninsured motorists can be defined as drivers who don’t have liability coverage for the particular car they are driving. In many states, driving without this coverage is considered a felony. Hit-and-run drivers can also qualify as uninsured motorists because they are not around to pay the insurance. If you are involved in a car crash caused by an uninsured motorist, you may face additional problems if you don’t have uninsured motorist bodily injury coverage as part of your own policy. If you were injured in your accident, in addition to your car being damaged, you may need compensation to cover medical costs and other expenses not provided by normal auto insurance.

Uninsured Motorist Coverage

Uninsured Motorist Coverage is for an automobile accident victim who is seeking compensation from the opponent who is uninsured in one way or another. A good example is; the opponent driver had insurance coverage at some point but is not paying the instalments regularly. Several possibilities can come into the picture when you ask them for your deserved compensation. Not surprisingly, you will end up with a reason that they are not insured.
Do not worry at all. We are here to deal with your opponent on your behalf. We know the tricks used by them and their insurance companies to deny paying off money to you. It can be difficult to manage to deal with them on your own, and you will often get the run around from them and their insurance company. You will surely need experts and we are available to assist you to the best of our knowledge and experience.

Uninsured Motorist Claims

Colorado law requires insurance companies to provide uninsured and under-insured motorist (UM and UIM) insurance as part of every policy they sell, unless the person purchasing the policy specifically declines it. When an uninsured driver crashes into you, UM insurance is designed to protect you by providing you with the same amount of financial compensation that you could have received had the driver been properly insured. UIM insurance enables you to obtain the remaining damages you may be owed after an under-insured driver’s insurance company pays the maximum amount provided by their policy. Furthermore, in 2008, key loopholes in the UM / UIM insurance regulations were closed when the state revised the legislation covering these types of insurance. Though this was intended to help motorists receive the full benefits they are due after an accident with an uninsured driver, experienced legal support is still needed to help you in file a claim.

After an accident, your insurance company will get a statement from you and may appear to be on your side. However, they might not have your best interest at heart, and the information you provide them could limit the amount of damages you are eligible to collect. That is why it is critical to speak with a seasoned legal professional as soon as possible after an accident. The lawyers from Fisher & Associates PC are experienced in assisting people with claims involving uninsured motorists and will fight relentlessly to obtain the best terms possible for your claim.

Uninsured Motorist Coverage limits

The claims are not limited to uninsured motorists. Besides them, you will also come across drivers who have insurance but less than the amount you are eligible to receive. They can be classified as another category of motorists who are not insured enough to compensate you, and are known as Underinsured Motorists. Even if you get into an accident with such drivers, you may have underinsured motorist coverage for the recovery of injuries and damages.

Why You Should Hire a Car Accident Attorney from Our Firm

If you are involved in a car accident with an uninsured motorist, then you may benefit from the help of a lawyer from our firm. Insurance claims like this are extremely difficult to navigate on your own, but at Fisher & Associates our job is to make this process easier for you. Should you become our client, we will fight on your behalf throughout the process so that you get the full compensation you deserve.


Call us now at Call 303-779-5300! to schedule your 100% FREE CONSULTATION!.