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Uninsured/underinsured motorist accident claims in Colorado

Colorado law requires that drivers be insured if they operate motor vehicles on the state's roadways. Despite these laws, there are many motorists who simply fail to obtain adequate coverage, or have no insurance at all. This can lead to serious problems if these individuals cause a motor vehicle accident.

Many motorists are uncertain about what they need to do to ensure that they are covered if injured in an accident caused by an uninsured or underinsured motorist. Insurance companies must offer drivers an opportunity to purchase additional coverage, so that if one of these accidents happens, their own insurance companies will be able to provide compensation for medical expenses, missed time from work, as well as pain and suffering.

If motorists decide to obtain uninsured/underinsured motorist insurance coverage, they may face challenges when trying to collect on the policy. Insurance companies may require that these individuals provide very clear evidence that demonstrates how the injuries that they suffered actually resulted from the crash or that various treatments were medically necessary.

This may often require extensive investigation into accidents to learn more about the facts of the particular crash. This includes determining which parties were responsible for the collision, which can become very complicated should it be a multi-vehicle accident.

It is crucial that individuals considering these types of insurance understand the limitations of the coverage. Some are surprised to learn that their policies only cover damages up to a specific amount, which could lead to significant financial hardship if the injuries are severe. Individuals who have declined this coverage may have to pay their medical bills out of their own pocket, and may be unable to collect compensation for pain and suffering or missed time from work.

Insurers are trying to protect their bottom line, and this can put them into direct conflict with your needs. They may contest some of the expenses connected to the accident or even deny your claim initially, even if it is valid. This often leads to litigation, and you need to know what steps to take at this time.

If you have been involved in a crash with a motorist who does not have adequate insurance coverage, speak to an experienced attorney about your options. You may have questions about some of the language in your policy, and what expenses will be covered. Some insurance companies may make it very difficult for you after filing a claim, and it is important that you have someone who is advocating for your interests.

Call 720-443-5876 for a Consultation Call 720-443-5876 Contact 720-443-5876


The Law Office of Samuel G. Livingston, P.C.
25188 Genesee Trail Road,
Suite 140,

Golden, CO 80401

Phone: 720-443-5876
Fax: 720-904-0471
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