Uninsured/Underinsured Motorist Accidents

Westminster Personal Injury Attorneys

When you are involved in a car accident, a bicycle accident, or a pedestrian accident, you expect that insurance companies will help pay for medical expenses and for the damage to your car. Unfortunately, if you are involved in an accident with an uninsured or underinsured motorist, you may not be able to recover money that is rightfully yours. As a result, you are stuck paying for an accident you didn’t cause.

The State of Colorado requires that every motorist have a least $25,000 in bodily injure liability insurance coverage. Yet this is the minimum and catastrophic accidents can cause devastating injuries that cost 10x this much money. In addition, there are many drivers who do not even have insurance, much less the minimum amount.

Uninsured motorists and underinsured motorists can cause unnecessary problems when they are involved in accidents. When an at-fault driver does not have insurance, many drivers will look to their own policies for help.

Colorado law specifies that insurance companies must sell Uninsured/Underinsured Motorist Insurance as part of every policy. It is a separate policy that will compensate you for injuries and damages when another driver does not have the insurance needed to properly pay for the damages they have caused.

Colorado’s Uninsured Laws Have Changed

Since 2008, Colorado’s Uninsured and Underinsured laws have changed. One of the major changes to these laws stops insurance companies from using “anti-stacking” languages when writing a policy. Another important change is that insurance companies are no longer allowed to “setoff” or reduce the amount of coverage they owe you by the amount of the at-fault driver’s liability insurance.

If you do not have an uninsured motorist insurance policy, however, you may still be able to obtain compensation for your injuries. An experienced Colorado insurance dispute attorney can review all of your legal options, so you can choose the one that is best for you and your situation.

Colorado Uninsured Motorist Accident Attorneys

At Reisch law Firm, our Colorado car accident attorneys understand the fears accident victims feel when they realize the “at fault” driver did not have insurance. They are often scared and worried about how they will pay for their injuries and how they will provide for their families. As such, we fight aggressively to ensure that all our clients receive the compensation they need after a devastating accident.

Call the Westminster car accident attorneys at Reisch Law Firm today at 1-303-291-0555 for a FREE Consultation.

The personal injury attorneys at Reisch Law Firm have successfully represented injured individuals and their families in Westminster, Arvada, Boulder, Commerce City, Northglenn, Broomfield, Berkley, Wheat Ridge, Brighton, Thornton, Denver, Lakewood, and throughout the State of Colorado.