Getting into a car accident can be a traumatic experience, especially if you’re involved in a collision with an uninsured driver. It is estimated that 16.3% of Colorado drivers don’t have the minimum insurance requirements. Unfortunately, this puts everyone on the road at risk.
If you are involved in an accident with an uninsured driver, you may feel frustrated and vulnerable. Understanding your options and the legal landscape regarding uninsured drivers is critical for protecting your rights.
At Levine Law, our Denver car accident lawyers can review your case and help you understand your options. The first step is to call our office to schedule a free case review.
The Importance of Insurance in Colorado
In Colorado, all drivers must carry auto insurance, which serves as a safety net in the event of an accident. The minimum required amounts include:
- $25,000 for bodily injury or death to one person
- $50,000 for bodily injury or death to all persons
- $15,000 for property damage
Drivers can choose to have optional types of insurance coverage, which offers additional protection in an accident. These include:
- Uninsured/Underinsured motorist coverage (UM/UIM)
- Medical payment coverage (Med Pay or MPC)
- Collision coverage
If you have out-of-state insurance, you must have proof that it meets the minimum requirements for Colorado.
Colorado also allows those over 25 to self-insure. The law requires them to apply for a certificate of self-insurance from the insurance commissioner, who then verifies that the person can pay the state’s minimum required amounts.
Steps to Take Immediately After the Accident
Taking the right steps after an accident is essential to protecting yourself and your right to compensation.
If an uninsured driver has hit you, follow these steps:
- Ensure Safety: First and foremost, check for injuries and call for medical assistance if necessary.
- Document the Scene: Gather evidence, including images of the vehicles involved, license plate numbers, and any available witness statements.
- File a Police Report: It is important to have an official accident record that can be used later for insurance claims or legal proceedings.
- Contact Your Insurance Company: Notify your insurer about the accident and provide them with all necessary information.
At this point, it may also be wise to contact a car accident lawyer in Denver. They can help ensure you take the right steps when pursuing compensation.
Understanding Your Coverage Options
In Colorado, drivers can purchase uninsured motorist (UM) coverage. This type of insurance can protect you when you are involved in a collision with an uninsured driver. According to the Colorado Division of Insurance, uninsured motorist coverage is not mandatory but can be a lifesaver during challenging situations.
If you are injured in an accident with an uninsured driver and have UM coverage, you can file a claim against your insurance policy. This typically covers medical bills, lost wages, and pain and suffering.
What If You Don’t Have Uninsured Motorist Coverage?
If you do not have uninsured motorist coverage, you may still have options, but they can be limited. Pursuing a claim directly against the uninsured driver may be challenging, especially if they lack sufficient assets to pay for damages. In such cases, enlisting the help of a Denver car accident attorney can be invaluable.
A skilled car accident lawyer in Denver can help explore all avenues of compensation, including:
- Filing a Lawsuit: If the uninsured driver has assets, you may be able to sue them for damages. However, winning a judgment does not guarantee that you will collect the money.
- Exploring Other Liable Parties: In some situations, other parties, such as a vehicle manufacturer or road maintenance entity, may share liability.
Navigating Legal Proceedings
Legal proceedings following an accident can be complex, particularly when dealing with uninsured drivers. Engaging a Denver car wreck attorney can ease the burden and ensure you follow the proper legal channels. They can help gather evidence, file paperwork, and negotiate with insurance companies to secure the compensation you deserve.
According to a study conducted by the Insurance Research Council, individuals who hire a lawyer for their auto accident claims receive, on average, 3.5 times more in settlements than those who proceed without legal representation. This statistic highlights the benefits of having an experienced auto accident lawyer in Denver on your side.
Contact an Experienced Attorney for Assistance
Being involved in a car accident with an uninsured driver can be daunting, but knowing your rights and the steps to take can help greatly. Evaluate your insurance coverage and consider the benefits of hiring a skilled Denver car accident attorney.
If you have been hit by an uninsured driver, don’t hesitate to seek legal assistance to navigate the complexities and protect your interests.
For more information on your rights after a car accident, consider contacting a car accident lawyer in Denver to discuss your case and potential options for recovery. At Levine Law, we offer a No-Win, No-Fee guarantee.
