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Frequently Asked Questions

Should I Use My Uninsured or Underinsured Motorist Coverage (UM / UIM Coverage)?

Clients sometimes do not want to submit a claim on their Uninsured or Underinsured Motorist Coverage because they think it will result in an increase in their own insurance costs. This should not be a concern. The Colorado Division of Insurance forbids insurance companies from penalizing injured people who collect money under an UM / UIM policy. If you have been injured and the at-fault party has no insurance, or very little insurance, then you should submit a claim under your UM / UIM policy. Your insurance company cannot raise your rates or refuse to renew your insurance policy because of that claim.

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About the Firm We are Hadfield Stieben & Doutt

Experienced Attorneys serving Fort Collins and Northern Colorado. We are honest lawyers who offer a human approach, working directly with you, listening to you, and ultimately doing what’s in your best interest.

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