Colorado legally requires all drivers to carry a minimum amount of liability insurance on their auto policies. Nevertheless, many drivers in Colorado fail to insure their vehicles. This can lead to significant problems if the uninsured driver injures someone in an accident.
If you have injuries from a collision with an uninsured driver, you need to speak to a car accident lawyer in Highlands Ranch from Matlin Injury Law. We can identify sources of financial compensation after an uninsured motorist accident to recover your losses.
Our team has served over 1,000 satisfied clients and secured more than $25 million in restitution for injury victims. Reach out to our offices online or by phone to meet with our uninsured motorist accident lawyers in Highlands Ranch.
For a free legal consultation with an uninsured motorist accident lawyer serving Highlands Ranch, call (303) 487-8911
Tell us about your case
Do I Need a Personal Injury Lawyer After an Uninsured Driver Accident?
A regular accident is bad enough, but discovering the other driver doesn’t have insurance can compound difficulties. A Highlands Ranch personal injury lawyer can help you understand applicable insurance coverage and manage the legal and administrative aspects of filing a claim.
More specifically, after your car accident, no-insurance lawyers in Highlands Ranch from our firm can:
- Gather evidence at the accident scene.
- Track expenses and calculate losses.
- Obtain police reports and medical records.
- Write and send demand letters.
- Negotiate with insurance adjusters.
- Review settlement offers.
- Pursue formal litigation.
We know that every case is unique and will provide a personalized legal plan for each client. We emphasize direct communications, so we are available to answer your questions and concerns at every step of the claims process.
How Many Uninsured Drivers Are in Colorado?
Colorado mandates that drivers all carry the following minimum liability coverage:
- $25,000 for bodily injury/death to one person
- $50,000 for bodily injury/death for all persons
- $15,000 for property damage
Unfortunately, Colorado ranks in the top ten nationally for the number of uninsured drivers, with an estimated 17.5% of vehicles lacking insurance coverage. The downstream impact of uninsured drivers is that everyone else’s insurance rates increase to absorb the additional risk.
Highlands Ranch Uninsured Motorist Accident Lawyer Near Me (303) 487-8911
Tell us about your caseUninsured Motorist Coverage Will Pay for Accidents With Uninsured Drivers
If an uninsured motorist injures you in an accident, your main option for financial compensation is uninsured motorist (UM) coverage. UM insurance is additional coverage on your existing auto liability policy and will pay for your injuries up to the policy limit if an uninsured driver causes an accident with you.
UM insurance is technically optional in Colorado, but insurance companies are required by law to automatically include it when they sell policies. Drivers must explicitly reject UM insurance in writing to remove the coverage from their auto policy.
Underinsured Motorist Coverage
If the at-fault driver has insurance, but it’s insufficient to cover your losses, you can use your policy’s underinsured motorist (UIM) coverage. UIM insurance will fill the gaps if your losses exceed the policy limits of the at-fault driver’s liability policy.
Similar to UM coverage, insurance companies must automatically include UIM coverage in auto policies, but drivers can explicitly opt to exempt themselves.
Compensation You Can Recover in an Uninsured Motorist Accident Claim
Depending on your circumstances, an uninsured motorist accident lawyer in Highlands Ranch can pursue financial compensation for the following types of losses:
- Medical bills. We can claim the cost of emergency medical treatment and any continuing medical expenses, like prescription medication or rehabilitation.
- Lost income. Lost income includes all missing employment compensation, such as wages/salary, bonuses, commissions, tips, etc.
- Reduced earning capacity. You can also recover money to reflect the difference in your pre- and post-injury expected lifetime earnings.
- Pain and suffering. Lastly, we can pursue compensation for the physical, mental, and emotional pain and suffering your injuries caused.
What Should I Do After an Accident With an Uninsured Motorist?
The most important thing to do after an uninsured motorist accident is to document everything. Take pictures and videos of all relevant accident features, such as vehicle damage, your injuries, road conditions, and the weather. You should also contact the police so they can generate an official accident report.
Once able, get medical attention for your injuries, even if you feel ok at the moment. Gather copies of your medical records, and you can then contact your insurance provider to notify them you’ve been in an accident and open a UM claim.
You should also talk to our uninsured car accident lawyers about your situation. We can provide general legal guidance and walk you through the necessary steps of the UM insurance claim process. Our team can also provide litigation support if the case goes to trial in a lawsuit.
(303) 487-8911
Matlin Injury Law can help you get the compensation you deserve.
Time Limit for Uninsured Motorist Claim in Colorado
In Colorado, you normally have two years to file a personal injury lawsuit. However, the statute of limitations to file an auto injury claim specifically is three years instead. If you fail to file within the time limit, your legal claim to damages will expire, and the court will reject any lawsuit.
Three years might sound like a significant amount of time, but building a strong case can take months or even a year. A Highlands Ranch uninsured motorist accident attorney can promptly initiate your claim and keep the timeline on track, getting you access to your payments faster.
Contact Our Uninsured Motorist Accident Lawyers in Highlands Ranch Today
An accident with an uninsured motorist can turn what should be a normal day into an ordeal that throws your life off track. You deserve a chance to seek compensation for your losses, and the team at Matlin Injury Law can assist. We are here to help you file a UM claim and explore other options for financial compensation.
Feel free to contact us today to schedule a free case consultation with our Highlands Ranch no-insurance car accident lawyers.
Call or text (303) 487-8911 or complete a Free Case Evaluation form
Tell us about your case