What Can You Do if the At-Fault Driver is Uninsured in Colorado?

Drivers in Colorado are expected to meet minimum requirements for auto insurance coverage. According to the Colorado Division of Insurance, drivers must have a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage and $15,000 in property damage coverage. These are coverages that pay for harm caused to others.

Unfortunately, some drivers choose to be uninsured, and they put everyone at risk. If you are involved in an accident and the at-fault driver has no insurance, you are in a tough situation because that driver should be paying for your losses, but there is no insurance coverage in place to ensure that happens. 

Hadfield Stieben & Doutt, LLC can help you in these difficult situations. Our legal team understands your options when you’re involved in a collision with an at-fault driver who is uninsured, and we’ll help you take steps to maximize your recovery. Just give us a call or contact us online today to schedule your free consultation and learn more. 

These Are Your Options if the At-Fault Driver is Uninsured in Colorado

If the at-fault driver is uninsured, you may still have some options for obtaining compensation for your losses and damages. Specifically, your options may include:

• Pursuing a claim against the at-fault driver personally. If the at-fault driver has a good income or sufficient assets, you may be able to collect from them directly even if they don’t have insurance. 
• Obtaining compensation through your uninsured motorist policy: Uninsured motorist coverage is optional in Colorado, according to the Colorado Division of Insurance. However, you must decline it in writing if you don’t want this coverage. If you have uninsured motorist protections in place, you can obtain compensation from your own insurer up to policy limits. 
• Identifying other potential defendants: In some situations, there may be multiple parties who played a role in causing your injury. If your airbag was defective, for example, this could have made your injuries worse, and so you could pursue a product liability claim against the manufacturer. Or, if the at-fault driver was working at the time, their employer could be responsible for your losses under vicarious liability laws. 

You can work with an experienced Fort Collins car accident lawyer to determine what course of action is best to try to maximize the chances of obtaining compensation for your losses. 

Can Hiring a Colorado Car Accident Lawyer Help with an Uninsured Driver Accident?

Hadfield Stieben & Doutt, LLC can help you after an accident caused by an uninsured driver. Our team will:

• Help you to identify all potential defendants who could be held liable for losses. 
• Assist you in determining if you can pursue a claim against the other driver personally
• Review your insurance policy to understand options for uninsured or underinsured motorist coverage
• Negotiate with your own insurer on your behalf if your insurance company doesn’t make you a fair offer for compensation

Our goal throughout your case will be to help you identify all opportunities for compensation and to maximize the recovery available to you. 

Contact Hadfield Stieben & Doutt, LLC

To find out more about what you can do if the at-fault driver is uninsured in Colorado, contact Hadfield Stieben & Doutt, LLC today to schedule your free consultation with a Fort Collins distracted driving accident lawyer.