Arapahoe, Adams, and Douglas counties · Uninsured and underinsured motorists
Aurora Uninsured and underinsured motorists Lawyers
Aurora uninsured and underinsured motorist lawyers. Free consultation. No fee unless we recover for you.
How Uninsured and Underinsured Motorist Claims Work
McCormick & Murphy are Aurora uninsured motorist accident lawyers for people hurt in Aurora. We get the Aurora Police Department report, the UCHealth University of Colorado Hospital on the Anschutz Medical Campus records, and file in Arapahoe County Justice Center or the court serving the county where the crash occurred.
A UM/UIM claim is a claim against your own insurance company, not the other driver. But your insurer doesn't just pay out because the other driver had no insurance or not enough of it. You still have to prove the other driver caused the crash and prove the full value of your injuries and losses, the same way you would in any other case.
This puts you in an unusual position. Your own insurance company is supposed to stand in the shoes of the at-fault driver, but it has a financial interest in paying you as little as possible. That tension often shapes how the claim gets handled, and it's one reason these claims can be more contested than people expect.
We build the UM/UIM claim like we would any injury case: establish fault for the underlying collision, document the injuries and losses, and present a well-supported claim to your insurer. When the carrier's evaluation falls short of what the case is worth, we're prepared to push back.
What We Look At
We start with the facts of the crash itself, because fault still has to be proven even though you're dealing with your own insurer. That means the police report, witness accounts, scene evidence, and any available data about how the collision happened. We also identify every policy that might apply, including your own UM/UIM coverage, any stacked or household policies, and any coverage elections that affect your available limits.
On the damages side, we gather medical records and bills, wage loss documentation, and evidence of how the injuries have affected your daily life. We also account for any offsets, such as amounts already paid by the at-fault driver's limited liability coverage, since those factor into what your UM/UIM carrier owes. All of this goes into a demand package designed to show the carrier the claim is backed by solid proof, not just an estimate.
- Report the crash and get a copy of the police report
- Notify your own insurance company of the crash promptly
- Get copies of all medical treatment records and bills
- Keep records of missed work and lost income
- Save your own auto policy and any related correspondence
Handling UM/UIM Claims in Aurora
Aurora sees a steady flow of traffic on corridors like I-225, East Colfax Avenue, E-470, and Parker Road, and crashes on these roads sometimes involve drivers with no insurance or minimal coverage. The Aurora Police Department typically responds to these collisions and generates reports we use to establish how the crash happened. For serious injuries, people are often treated at UCHealth University of Colorado Hospital on the Anschutz Medical Campus.
We handle UM/UIM claims for people in Aurora and across Arapahoe, Adams, and Douglas counties, including nearby communities like Centennial, Denver, Commerce City, Parker, and Greenwood Village. When a claim requires litigation, cases from this area are typically handled at the Arapahoe County Justice Center or the court serving the county where the crash occurred.
Losses We Pursue in UM/UIM Claims
- Medical expenses from the crash
- Future medical care related to the injury
- Lost wages and reduced earning capacity
- Pain and suffering
- Permanent impairment or disfigurement
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Aurora — 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.
Aurora Uninsured Motorist Accident Lawyers FAQ
Do I sue the uninsured driver or my own insurance company?
In most cases, you pursue the claim against your own insurance company under your UM/UIM coverage. You still have to prove the uninsured or underinsured driver was at fault, but the money comes from your own policy rather than from the at-fault driver directly.
What if the other driver has some insurance, just not enough?
That's an underinsured motorist, or UIM, situation. Your own UIM coverage can make up the difference between what the at-fault driver's policy pays and the full value of your claim, subject to your policy limits.
Will my insurance rates go up if I file a UM/UIM claim?
We can't make promises about how a specific insurer will handle rates, since that depends on your policy and company practices. What we can tell you is that UM/UIM coverage exists specifically for situations like this, and using it is often the only way to recover for a crash caused by an uninsured or underinsured driver.
What if my insurance company disputes how much my claim is worth?
This happens often in UM/UIM claims because your insurer has an interest in limiting payouts. We respond by building a well-documented claim on fault and damages and pushing back on evaluations that don't match the evidence.
What does it cost to have you handle my UM/UIM claim?
We offer a free consultation to review your situation. We work on a no-fee basis unless we recover money for you.
Discuss a Aurora crash
Free consultation. No attorney fee unless we recover for you.