Jefferson and Adams counties · Uninsured and underinsured motorist
Arvada Motorcycle UM/UIM Lawyers
Arvada motorcycle um/uim lawyers for riders hurt in Arvada. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Can't Pay
McCormick & Murphy are Arvada motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance.
Not every driver on the road carries enough insurance, or any insurance at all. When an Arvada rider is hurt by a driver who has no liability coverage, or coverage that falls short of the injuries involved, the rider's own policy may provide a path to recovery through uninsured or underinsured motorist coverage.
Whether that coverage applies, and how much is available, depends entirely on the language of the rider's own policy. We read the policy closely to understand what coverage exists, what conditions apply, and what the insurer will argue to limit or deny the claim.
A low offer or an initial denial from an insurer is not automatically bad faith. Insurers are allowed to dispute value and coverage questions. If you believe your own carrier mishandled your claim, our insurance bad-faith page covers how we evaluate that separately.
Proving the Other Driver Was Uninsured or Underinsured
A UM/UIM claim starts with confirming the at-fault driver's insurance status. That often means pulling police reports from the crash, checking with the Colorado Division of Insurance databases where available, and communicating directly with the other driver's insurer, if one exists, to confirm the actual policy limits.
From there, we build the same kind of injury and damages record we would use in any motorcycle case: medical records, treatment history, and documentation of how the crash affected the rider's daily life. That record matters just as much in a UM/UIM claim, because the rider's own insurer will scrutinize the injuries closely before paying out under the policy.
- Police report and any notes on the other driver's insurance status
- Your own motorcycle insurance policy documents
- Photos of the crash scene near Wadsworth Boulevard, Ralston Road, or wherever it occurred
- Medical records from treatment, including any visit to Intermountain Health Lutheran Hospital
- Contact information for any witnesses
Handling UM/UIM Claims Around Arvada
Arvada riders travel through areas like Olde Town, Wheat Ridge, and the Wadsworth Boulevard and Ralston Road corridors, where traffic from multiple directions increases the chance of a crash with a driver who lacks adequate coverage. When that happens, we help riders sort through what their own policy offers.
If a UM/UIM claim leads to a dispute that isn't resolved through negotiation, the case may proceed through Jefferson County Courts in Golden, since Arvada sits across Jefferson and Adams counties. We're based in Denver and handle these claims for riders throughout the area.
What UM/UIM Coverage May Address
- Medical treatment tied to the crash
- Ongoing or future care needs
- Lost income from time away from work
- Pain and suffering from the injuries
- Property damage to the motorcycle, depending on the policy
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Arvada — and read client testimonials.
After I was hit by a drunk driver with no insurance, my own insurer refused UM benefits. McCormick & Murphy sued for uninsured motorist benefits and bad faith. A jury awarded me over $900,000.
C. O., Denver · UM / bad-faith verdict
Prior results do not guarantee a similar outcome. Every case depends on its facts, coverage, venue, and evidence.
Arvada Motorcycle UM/UIM Lawyers FAQ
Do I need Arvada motorcycle um/uim lawyers after a crash?
Call Arvada motorcycle um/uim lawyers when you were hurt, fault is disputed, or an insurer delays, denies, or offers less than the medical bills. The nearest office is in Denver, CO.
What if the other driver has no insurance at all?
If the at-fault driver has no liability insurance, your own uninsured motorist coverage may apply, if your policy includes it. We review your policy to see what coverage exists and how it applies to your crash.
What if the other driver has insurance but not enough?
That's an underinsured motorist situation. If the at-fault driver's policy limits don't cover your injuries, your own underinsured motorist coverage may make up part of the difference, depending on your policy terms.
Does every motorcycle policy include UM or UIM coverage?
No. Coverage depends on what you purchased and what your specific policy says. We review the policy language directly rather than assume what's included.
My own insurer denied or lowballed my UM/UIM claim. Is that bad faith?
Not automatically. Insurers can dispute value or coverage questions without it being bad faith. If you think your carrier handled the claim unfairly, our insurance bad-faith page explains how we evaluate those situations.
How do you find out if the other driver was uninsured?
We start with the police report and follow up directly with any insurer identified for the at-fault driver to confirm coverage and limits. This confirms whether a UM/UIM claim under your own policy is the right path.
Discuss a Arvada motorcycle crash
Free consultation. No attorney fee unless we recover for you.