Car accidents are stressful under any circumstances, but when the at-fault driver is uninsured, the situation becomes even more complicated. Despite mandatory insurance laws, many drivers in Colorado still operate vehicles without coverage.
If you’re in an accident with an uninsured driver, you may wonder how to recover compensation for medical bills, lost wages, and other damages. Fortunately, there are legal avenues to pursue justice.
At Levine Law, our experienced car accident attorneys in Denver are here to help. You can call today to schedule a free consultation.
The Prevalence of Uninsured Drivers in Colorado
According to the Insurance Information Institute, about 14% of drivers in Colorado are uninsured, ranking the state among the top 15 in the nation for uninsured motorists. This startling statistic underscores the importance of understanding your options in an accident with an uninsured driver.
Colorado law requires all drivers to carry a minimum of $25,000 per person, $50,000 per accident for bodily injury, and $15,000 for property damage. However, compliance with these requirements is far from universal. If you’re injured in a collision caused by someone without insurance, you’ll need a skilled car accident lawyer in Denver to help navigate the complexities of your case.
Understanding Uninsured Motorist Coverage
One of the most effective ways to protect yourself is through Uninsured/Underinsured Motorist (UM/UIM) coverage, available as part of your auto insurance policy in Colorado. While UM/UIM coverage is not mandatory, insurance companies are required by law to offer it, and you must reject it in writing if you choose not to include it in your policy.
UM/UIM coverage can help you recover damages when the at-fault driver lacks sufficient insurance or has no coverage. It can cover medical expenses, lost wages, and pain and suffering. If you’re unsure whether your policy includes UM/UIM coverage, contact your provider or consult a Denver auto accident attorney.
Filing a Claim Under Your Insurance Policy
When dealing with an uninsured driver, one of your primary options is to file a claim with your own insurance company under your UM/UIM coverage. To do this, you’ll need to prove that the other driver was at fault and uninsured at the time of the accident. Your insurance company may require documentation such as a police report, witness statements, and medical records to process your claim.
Unfortunately, even when dealing with your insurer, disputes can arise over the value of your claim or the extent of your coverage. A traffic accident lawyer in Colorado can negotiate on your behalf to ensure you receive fair compensation.
Suing the At-Fault Driver
Another option is to file a personal injury lawsuit against the uninsured driver. However, this route can be challenging if the at-fault driver lacks significant assets to cover your damages. In Colorado, small claims court allows lawsuits for damages up to $7,500, but larger claims must be filed in district court.
While pursuing a lawsuit may not always result in immediate compensation, it can serve as a way to hold the driver accountable and secure a judgment that can be collected over time. The best car accident law firm in Denver can assess whether this option is viable for your situation.
Leveraging Medical Payment Coverage
Colorado drivers also have the option to include Medical Payment (MedPay) coverage in their auto insurance policies. MedPay covers medical expenses for you and your passengers, regardless of who is at fault in the accident. Colorado law requires insurers to offer a minimum of $5,000 in MedPay coverage, which can be declined in writing.
MedPay can be a lifeline after an accident involving an uninsured driver, helping to cover hospital bills, ambulance fees, and other immediate costs. A Denver auto accident attorney can help you understand how to access these benefits effectively.
The Importance of Legal Representation
Navigating a car accident case involving an uninsured driver can be daunting. Insurance companies may undervalue your claim, and the at-fault driver may lack the resources to pay for your damages. Hiring an experienced traffic accident lawyer in Colorado is essential to protect your rights and explore all possible avenues for compensation.
At Levine Law, we have extensive experience handling complex uninsured driver cases. Our team tirelessly investigates accidents, negotiates with insurance companies, and, when necessary, litigates in court to secure the compensation our clients deserve. We understand the emotional and financial toll these accidents take, and we’re here to guide you every step of the way.
Preventing Future Issues
Review your auto insurance policy to ensure you’re adequately protected if you haven’t already. Adding UM/UIM and MedPay coverage can make a significant difference if you’re ever involved in a car accident with an uninsured or underinsured driver. While no one anticipates such a situation, preparing for the unexpected can save you from significant financial strain.
Understanding Your Rights
Accidents involving uninsured drivers present unique challenges, but understanding your options and rights can make a difference. Whether you file a claim under UM/UIM coverage, leverage MedPay, or pursue a lawsuit, there are paths to compensation. Having a knowledgeable car accident lawyer in Denver can ensure your case is handled with care and experience.
If you’ve been injured in a car accident with an uninsured driver, don’t wait to seek legal advice. Contact Levine Law, Denver’s best car accident law firm, for a free consultation today. Let us help you navigate this complex process and fight for the justice you deserve.
