It may be illegal to drive without car insurance in Colorado, but hundreds of drivers still do it every day. If you get hurt in an accident where the other driver does not have adequate insurance, it’s important to protect your rights by contacting an uninsured motorist accident attorney at Hadfield Stieben & Doutt, LLC. Our Fort Collins car accident lawyers can guide you through the steps it takes to seek fair compensation for your losses after this type of crash.
Why Hadfield Stieben Doutt?
- We are a collaborative team of attorneys with the ability to deliver results for you. All of our lead attorneys have extensive litigation experience against insurance companies.
- At HSD Law, our team has secured multimillion-dollar judgments and settlements for clients. We understand how to navigate complex car accident cases, including those with limited insurance available.
- We take cases on a contingency fee basis. You won’t be charged a cent in attorney’s fees unless we are successful during your uninsured or underinsured motorist claim.
How Can a Lawyer Help After an Uninsured or Underinsured Motorist Accident?
When the other driver involved in your car accident in Colorado does not have adequate insurance, this can hurt your chances of collecting rightful compensation. If you work with an attorney, however, you can pursue optimal case results from all available sources and legal outlets.
A Fort Collins hit and run accident attorney will not let an irresponsible driver get away with causing your injury or pressuring you to settle for less than you deserve. Hiring a lawyer allows you to focus your attention on healing while a qualified attorney communicates with insurance companies and negotiates a fair settlement on your behalf.
What Is Uninsured and Underinsured Motorist Insurance?
In Colorado, an optional type of automobile insurance coverage known as uninsured/underinsured motorist (UM/UIM) is offered to all drivers when they purchase their policies. You must reject this insurance in writing if desired. If you don’t reject it, you will have this insurance to cover your losses if you get involved in a collision with a driver who’s short on coverage.
UM/UIM coverage will typically pay for your medical bills and property damage repairs up to the limits you purchased on the policy. This can save you from having to pay for your losses out of pocket if the at-fault driver doesn’t have insurance. UM will be used exclusively if the other driver has no insurance, while UIM can provide supplemental coverage if the other motorist has some insurance, but not enough.
Taking Legal Action Against the Uninsured/Underinsured Driver
Depending on the situation, you may also be able to take legal action against the at-fault driver (or another party) in pursuit of financial compensation. While a driver without insurance is unlikely to have any assets to cover your losses, a third party, such as a vehicle manufacturer or government agency, may be held liable for your damages if they contributed to the wreck or your injuries.
Speak to an Experienced Uninsured/Underinsured Motorist Accident Lawyer Today at Hadfield Stieben Doutt
Hadfield Stieben & Doutt, LLC has been helping individuals and families recover from motor vehicle collisions and get justice for many years. We understand how cases involving uninsured and underinsured motorists work.
Our team will guide you, determining if the driver has any assets and helping you file a claim with your own insurance policy, if available. We will look for all outlets to aid in your recovery while you focus on healing. Contact us online or call (970) 221-2800 anytime to request a free car accident case review in Colorado.