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In an Accident with an Uninsured Driver – Now what?

Despite the fact that the law in Colorado requires the owner of every car, truck, and motorcycle to have insurance for their vehicle, there are a concerning number of uninsured motorists on the roads in Colorado. According to a study conducted by the Insurance Information Institute in 2015, 13.3% of motorists are uninsured. Even more concerning, this statistic is up from 12.6% as of 2012. As the number of uninsured motorists, or underinsured motorists rises, so do the chances that you may be involved in an accident with an uninsured driver.

So what should you do if you are involved in an accident and the driver doesn’t have insurance? You may be concerned that you will be left holding the bill for expensive vehicle repairs, as well as medical expenses. How can you get compensation? Your own insurance company may provide the answer, and compensate you according to your policy limits.

All insurance companies in Colorado are required by law to offer Uninsured Motorist/Underinsured Motorist (UM/UIM) Insurance as part of every policy, unless the option is refused in writing. This option is considered a separate coverage, which will protect you and your passengers if you are involved in an accident caused by a driver that is uninsured or underinsured. This coverage would also cover you if you were the victim of a hit-and-run accident.

Your UM/UIM Insurance will allow to you file a claim to be compensated for medical bills, as well as vehicle repair expenses with your own insurance provider. It is important to note that if you have UM/UIM Insurance, the following claims may also be covered:

  • Your medical expenses even if you are not in your vehicle at the time of the accident. For example, if you are riding a bicycle or you are a pedestrian and are hit by an uninsured driver
  • Any passengers who were in your vehicle at the time of the accident
  • Other family members/residents in your household who drive your vehicle

Even if the driver that hit you was uninsured or underinsured, there may also be other contributing factors to the accident, which is why UM/UIM accidents should be investigated carefully. Seeking help from an experienced attorney will ensure that you fully understand your rights and help you navigate through your claim. Your attorney can investigate your case and help determine if there were any other parties responsible, such as the bar that served the intoxicated driver or the city responsible for maintaining the road. If this is the case, then your attorney can help you file a claim against that responsible party to collect the money you need.

Contact Our Arvada UM/UIM Accident Attorneys Today

Hull & Zimmerman, P.C.When you’ve been injured in an accident with an uninsured or underinsured motorist, you may be terrified you won’t get payment for your injuries. Being saddled with medical expenses and car repairs is not fair – especially if the accident wasn’t your fault. When this happens, contact Hull & Zimmerman immediately. At Hull & Zimmerman, P.C., our committed car accident lawyers are dedicated to the belief that everyone deserves justice. Contact us at (303) 423-1770 or (866) 385-3505.

Our injury lawyers have extensive experience representing injured accident victims in Broomfield, Arvada, Superior, Lafayette, Louisville, Erie, Brighton, Commerce City, Northglenn, Westminster, Thornton, Longmont, and throughout Colorado.



At Hull & Zimmerman, P.C., we are honored to help accident victims in their time of need, and take our responsibility as personal injury lawyers incredibly seriously. We know how important it is for victims to secure the full and fair compensation they need following a serious accident, and that is why we take a hands-on, personalized approach to every case we handle.

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