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Uninsured & Underinsured Motorist Claims

How a Colorado Springs Car Accident Lawyer Can Help

Under Colorado law, everyone who owns a passenger vehicle is required to have at least $25,000.00 in bodily injury liability insurance coverage. This means that if someone is injured in a car accident caused by another driver, the at-fault driver's bodily injury liability coverage should provide monetary compensation for said injuries. However, not every driver abides by Colorado law, and many drivers are either uninsured or underinsured.

Those who do not have any type of car insurance are considered uninsured. Similarly, those whose coverage is not enough to pay for an accident are considered underinsured. If you have been injured in a car accident that was caused by an uninsured or underinsured driver, please contact a Colorado Springs car accident attorney at Clawson & Clawson, LLP. We can help you file an underinsured/uninsured motorist claim, as well as ensure that your damages are covered by the at-fault party or your own insurance.

Recoverable damages for injuries related to a car crash caused by an uninsured or underinsured motorist include:

  • Economic damages, such as lost wages, medical bills, etc.
  • Noneconomic damages, such as physical pain and suffering and emotional stress
  • Physical disfigurement and damage, such as permanent physical injuries, scars, etc.

What happens if the driver who hit me does not have insurance or is underinsured?

If the driver who hit you does not have insurance or does not have enough coverage to pay for your damages, contact a personal injury lawyer from our firm. By law, every Colorado insurance company that sells automobile insurance must sell uninsured/underinsured motorist insurance with every automobile insurance policy, unless the coverage is specifically refused in writing. Our car accident attorney will help you file an uninsured/underinsured motorist claim against your own insurance company so you can receive monetary compensation for damages. Uninsured motorist (UM) and underinsured motorist (UIM) insurance will cover you and every passenger in your car if they were injured in a car accident caused by a UM or UIM.

What You Need to Know for Underinsured Motorist Claims

If you wish to make a claim for underinsured motorist benefits with the at-fault driver's company, many Colorado policies require that you ask and receive permission from your own insurance company prior to accepting any type of settlement. Those who accept a settlement from the underinsured motorist's insurance company will not be able to present an underinsured motorist claim to their own insurance company. To ensure that this does not happen, it may be beneficial for you to hire an experienced injury lawyer from Clawson & Clawson, LLP.

We can help you file an uninsured/underinsured motorist claim that covers all damages, including:

  • Medical bills
  • Lost income
  • Physical and emotional pain
  • Mental stress
  • Lost wages

Our firm can also make sure that your claim does not violate your policy's terms, as well as negotiate with the insurance company on your behalf so you receive the monetary compensation you deserve.

Do not waste any time— Contact a car accident attorney today!

You only have three years to file a claim against your or the at-fault driver's insurance company if you were injured in a car accident by an uninsured or underinsured driver.

Clawson & Clawson, LLP can assist drivers in and around various Colorado cities, such as:

Do not settle for a low amount of monetary compensation from your or the at-fault driver's insurance company—you deserve enough money to cover all expenses related to the car accident. Your future is at stake, so hire an experienced lawyer from Clawson & Clawson, LLP to legally represent you during your car accident case.


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