Uninsured Motorist AccidentsPrint Page
If you are involved in a car accident and someone else causes the crash, Colorado law gives you the option to obtain compensation from that person. Usually, the person who hit you and hurt you pays for your costs and damages via his or her liability insurance policy. Every driver in Colorado is required to purchase liability insurance in order to compensate anyone injured in an auto accident that involves the driver.
Unfortunately, sometimes a driver will choose not to buy insurance, despite the legal requirement. In these cases, the victim suffers. You still must bear the costs and expenses of the crash, but securing compensation from the responsible driver may be impossible. In such situations, it is important that you fully understand your legal rights. A Denver auto accident lawyer can help.
Making an Uninsured Motorist Claim
When a car accident occurs and the responsible driver lacks insurance, those injured in the collision have two options. One option is to sue the driver who caused the crash, naming him or her as the defendant in a lawsuit. However, while you may sue with the help of an experienced lawyer and you may win your case, collecting the money awarded to you may pose a challenge. Often, people who do not have car insurance also have limited assets and no money. Thus, you will have a hard time obtaining any funds. This leaves you in an unfortunate position of holding an uncollectable judgment.
The second and often better option is to make an uninsured motorist claim. An uninsured motorist claim is a claim that you make with your own insurer. The amount of compensation available equals the amount of uninsured motorist coverage you have purchased as part of your policy.
When you make an uninsured motorist claim, your insurance company stands in for the driver who would have paid your bills had he or she purchased the required insurance. You should be able to obtain compensation for your losses and be made whole after the accident, just as you would if you were making a claim against the driver who caused the accident.
Why You Need a Denver Auto Accident Lawyer
Unfortunately, while you should be fully and fairly compensated through your uninsured motorist claim, your own insurance company may balk at having to pay out after the accident. An insurance company's primary concern is its profit margin, not your well-being. This means you may receive a claim denial, a lowball offer, or pressure to settle your case for less than it is worth.
To prevent these undesirable outcomes and to make sure you receive the compensation you need, it is important to have an experienced legal team representing you. Our lawyers at Levine Law can negotiate with the insurance company on your behalf to get you the money you deserve. If your insurance company denies your claim with no legitimate reason, the lawyers at Levine Law can also file a bad faith action to hold your insurer responsible in court.
For more than 20 years, the accident lawyers at Levine Law have been representing injured victims and negotiating with insurance companies in Denver and throughout Colorado. Give us a call today at (303) 333-8000 or contact us online to schedule your free consultation and learn about your options.