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:
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.
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.
awarded to a woman who was a victim of a car crash. The woman was driving the highway when the other driver approaching from the opposite direction lost control of his vehicle, crossed the center line and hit her head on. She suffered multiple broken bones, including her hip, pelvis, leg, and right arm. She missed several years of work as a result of her injuries. Read More
awarded to a woman who was the victim of a t-bone car crash. The client suffered multiple injuries. The most significant of which was a head injury. While she was ultimately able to return to work on a part-time basis, Plaintiff was never able to return to work on a full-time basis. Read More
settlement awarded to a lady who suffered a head injury. She slipped and fell in a slanted parking lot at her place of employment. Evidence demonstrated that the owner of the building had constructed a fence shading the parking lot such that ice was allowed to continuously accumulate during the winter months. Multiple people had fallen on the ice prior to the client’s fall. As a result of her injuries, Plaintiff was forced to take early retirement. Read More
awarded to a man whose vehicle was hit from behind by a semi. The injured party suffered back pain and rotator cuff tears in each shoulder and was forced to retire from his job doing road repair four years earlier. Read More
settlement (policy limits) awarded to a young man who lost his eye when another child shot an arrow into the air. Read More
settlement obtained for a man who was injured in a rear end automobile accident. He suffered a herniated disc in his low back which was not well resolved by surgery forcing him to leave his employment as an apartment maintenance manager. Read More
awarded to a gentleman in association with a workman’s compensation case. He initially sustained a head injury at work when attacked by a patient. Several years later, his condition worsened resulting in his inability to return to work in his usual job. Read More
settlement achieved in a legal malpractice case. The client initially suffered a herniated disc in her neck in association with an automobile accident. The attorney failed to file the lawsuit in a timely manner and the Plaintiff was initially denied her ability to achieve any monies from the original lawsuit. Read More
settlement awarded to a man who was a victim of an automobile accident. Plaintiff was a passenger who was rear-ended by another driver. Following the accident, he suffered a long term back injury. Read More
settlement awarded to a lady who aggravated a pre-existing back condition when she slipped and fell at the entrance to a casino. Read More
awarded to a woman who suffered a rotator cuff tear from an automobile accident. Read More
$1,250,000.00 –awarded to a woman who was a victim of a car crash. The woman was driving the highway when the other driver approaching from the opposite direction lost control of his vehicle, crossed the center line and hit her head on. She suffered multiple broken bones, including her hip, pelvis, leg, and right arm. She missed several years of work as a result of her injuries.
$1,200.000.00 –awarded to a woman who was the victim of a t-bone car crash. The client suffered multiple injuries. The most significant of which was a head injury. While she was ultimately able to return to work on a part-time basis, Plaintiff was never able to return to work on a full-time basis.
$450,000.00 –settlement awarded to a lady who suffered a head injury. She slipped and fell in a slanted parking lot at her place of employment. Evidence demonstrated that the owner of the building had constructed a fence shading the parking lot such that ice was allowed to continuously accumulate during the winter months. Multiple people had fallen on the ice prior to the client’s fall. As a result of her injuries, Plaintiff was forced to take early retirement.
$425,000 –awarded to a man whose vehicle was hit from behind by a semi. The injured party suffered back pain and rotator cuff tears in each shoulder and was forced to retire from his job doing road repair four years earlier.
$300,000.00 –settlement (policy limits) awarded to a young man who lost his eye when another child shot an arrow into the air.
$300,000.00 –settlement obtained for a man who was injured in a rear end automobile accident. He suffered a herniated disc in his low back which was not well resolved by surgery forcing him to leave his employment as an apartment maintenance manager.
$250,000.00 –awarded to a gentleman in association with a workman’s compensation case. He initially sustained a head injury at work when attacked by a patient. Several years later, his condition worsened resulting in his inability to return to work in his usual job.
$250,000.00 –settlement achieved in a legal malpractice case. The client initially suffered a herniated disc in her neck in association with an automobile accident. The attorney failed to file the lawsuit in a timely manner and the Plaintiff was initially denied her ability to achieve any monies from the original lawsuit.
$150,000.00 –settlement awarded to a man who was a victim of an automobile accident. Plaintiff was a passenger who was rear-ended by another driver. Following the accident, he suffered a long term back injury.
$125,000.00 –settlement awarded to a lady who aggravated a pre-existing back condition when she slipped and fell at the entrance to a casino.
$75,000.00 –awarded to a woman who suffered a rotator cuff tear from an automobile accident.
Easy
to talk to. They made my experience very comfortable through my whole journey.
My heartfelt gratitude goes out to the whole staff at Hull & Zimmerman. Thank
you
- 
– R. Hamilton
I
would just like to send a “thank you” to you and your staff. You have been the
most professional and efficient law office if have ever dealt with. I will
continue to tell people about the wonderful job you have done for me and my
family. Mr. Zimmerman you are the most professional lawyer and I truly
appreciate all you have done. Again Thank you
– D. Hassoun
would
just like to send a “thank you” to you and your staff. You have been the most
professional and efficient law office if have ever dealt with. I will continue
to tell people about the wonderful job you have done for me and my family. Mr.
Zimmerman you are the most professional lawyer and I truly appreciate all you
have done. Again Thank you.
– Jason B.
I was
injured in a fall and the nightmare began. I found Mike Zimmerman on the
internet, read his background history and contacted his office. The Office Staff
was wonderful, patient, and helpful, even though I was probably a pain to them.
Mike is a no nonsense kind of guy. He will tell you exactly what he feels about
your case and will not sugar coat it. You will know exactly what to expect and I
appreciated the honesty! I would recommend Mike to anyone who has their life
spinning out of control because of an accident. He help me get my life back.
– Mary T.
Working through divorce and custody issues is an extremely difficult and
emotionally trying experience. Mike Zimmerman represented my interest in a
highly professional manner and protected my rights as a parent at a level that
exceeded my highest expectations. This firm’s expertise, ability and
professionalism earned my respect as well as my continued business for any legal
issues I encounter in the future.
– Michael D.
We
came across mike Zimmerman when we were involved in an accident awhile back, we
had been negotiating with the insurance company for some time and getting
nowhere with a settlement. Never knowing Mike Zimmerman when we had gone and
seen him it really surprised us that he made us feel right at home and that he
was really concerned for his clients. Mike was very upfront with us a our
lawyer, and advised us every step of the way. His associates were very
professional and office personnel was very friendly also. Mike got almost double
the settlement we were expecting and we just were very satisfied and would
highly recommend him to anyone that needs a good honest lawyer.
– Clarencec & Joy W.
We
were hit by an uninsured driver in 2006 and my husband was unable to work for
some time. Initially our own insurance really didn’t want to help us. On the
recommendation of a friend, we contacted Mr. Z and with his advice, suggestions
and hard work, we were able to get the what we needed from our insurance to help
us with our bills and medical costs. His staff was very patient with us as well
and was always available to reassure us and to answer our questions. We hope
nothing like this ever happens again, but if it was to happen, we would contact
Mr Zimmerman in a heart beat.
– G. & B O.
Rick –
Smart and nice! We were nervous and Rick put us at ease. Kept us informed. Never
thought we made a bad choice. Also, the first time I called, I talked to
Rick…impressed us very much.
– D. & S. Bratrovsky
Exceeded expectations!
– T. Thiel
I
liked the fact that I was kept up to date throughout the process. When the
accident first happened, Rick went to bat for me right away to make sure that I
was compensated for my loss of transportation. The end result in my case
exceeded my expectations and I was very pleased.
– D. Hughley
I
appreciated the effort Rick Hull presented during the difficulties that occurred
throughout the settlement and following. I felt completely at ease during the
whole process.
– Michele Wolf
I
appreciated the fact that Rick Hull always explained everything to me. No matter
how insignificant I thought the question was, he encouraged me to ask and was
very patient when I didn’t understand some aspect of the legal procedures. I
also appreciated the fact that Rick was a real person, he wasn’t stiff or
unapproachable. He was easy to talk to, to understand, and get along with. In
addition, he explained certain aspects of Colorado law thoroughly to me so that
I could make an informed decision that best suited my needs.
10:33 pm
September 28th, 2018