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Accidents with uninsured and underinsured drivers can leave injured accident victims with a number of difficult questions. Who will pay for my injuries? How will I get my car repaired? What if my insurance company won’t help? An experienced Colorado Springs uninsured/underinsured motorists accident attorney can help you answer these important questions.
Uninsured motorists make up a large portion of today’s drivers. Tough economic times often force drivers to drop vital insurances. According to the Insurance Research Council, nearly 13 percent of all drivers across the nation are uninsured. In the State of Colorado, however, that number is even higher. It is estimated that about 16 percent of all Colorado drivers do not have automobile insurance coverage. And even more are driving without enough insurance.
If you are involved in an accident with an uninsured motorist, you may not be able to recover the money you need to pay for damages, medical expenses, and lost wages.
Uninsured/Underinsured Motorist Coverage
Drivers are not required under Colorado law to carry uninsured motorist protection. However, many drivers choose to add it to their policies because it affords extra protection. If you are involved in an accident with an uninsured or underinsured driver, your policy should be able to cover your losses and help you pick up the pieces.
No matter how reluctant your insurance provider is to pay this claim, if you have this coverage, it is their duty to do so.
A personal injury lawyer can help you through this difficult time. Insurance companies are not always cooperative, even if you have an uninsured motorist policy. They may unfairly deny your claim or delay payments that you need. Your attorney can fight for your rights to obtain the compensation you are entitled to.
If you have been injured in an accident with an uninsured driver, it is important to speak to a personal injury lawyer immediately. Your own insurance company will still try to limit their liabilities and offer you a lower settlement than what you need. A lawyer can ensure that you obtain the compensation you are entitled to—even if the other driver does not have insurance.
At the Green Law Firm, our personal injury attorneys work tirelessly to protect your rights and your future. Call us today for a free consultation and review of your case. Our law firm has the resources and experience needed to tackle even the most complex personal injury cases.
What are Colorado’s Auto Insurance Requirements?
The state of Colorado requires all automobiles to be insured. Additionally, proof of that insurance is required when you are registering a vehicle.
Despite the mandatory insurance law, many motorists still allow their coverage to lapse. Or they simply don’t carry enough coverage to meet minimum state requirements. In order to comply with Colorado’s auto insurance requirements, a driver must be able to provide proof of the following coverage:
- $25,000 per person for legal liability associated with bodily injuries,
- $50,000 per accident for legal liability when more than one person is injured, and
- $15,000 per accident for property damage other than the insured’s automobile.
Accidents Caused by Uninsured Motorists
If you are in a car accident, you will most likely sustain some type of injuries. These injuries can range from minor to severe, or even result in the loss of a loved one. Because your main concern will be healing and helping your family through this trying period, it is difficult to imagine where the money will come from to cover all of the expenses related to an accident you didn’t cause.
When the other driver is at fault, their insurance is supposed to pay to make everything right again – repairing or replacing your automobile, paying your medical bills, and compensating you for any missed time at work because of injuries. However, if you are injured in an accident caused by an uninsured driver you may be able to file a liability claim on your own insurance policy.