Boulder County · Uninsured and underinsured motorist
Boulder Motorcycle UM/UIM Lawyers
Boulder motorcycle um/uim lawyers for riders hurt in Boulder. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Can't Pay
McCormick & Murphy are Boulder motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance.
A motorcycle crash caused by a driver with no liability insurance, or with limits far too low to cover the rider's injuries, leaves a real gap. That gap is often filled by the rider's own uninsured motorist (UM) or underinsured motorist (UIM) coverage, if the policy includes it. The exact terms of that policy control what is available and how the claim is handled.
UM and UIM are not automatic add-ons to every motorcycle policy, and coverage varies from one policy to the next. We review the declarations page and policy language closely to determine whether coverage applies, what conditions must be met, and how the insurer defines an underinsured driver.
These claims put the rider in the position of making a claim against their own insurer, which can feel adversarial even though it's a contractual right under the policy. We handle that process and push back when an insurer undervalues the claim or disputes coverage.
Building the UM/UIM Claim
We start by confirming the at-fault driver's insurance status, or lack of it, through the police report and insurance verification. We then pull the rider's own policy to identify UM/UIM coverage, limits, and any conditions on how and when a claim must be reported to the carrier.
From there, the case is built the same way any injury claim is: medical records, crash scene evidence, and documentation of how the injuries affect the rider's life. Because the rider's own insurer is now involved, we also track every communication with that carrier and how the claim is evaluated internally.
- Copy of your own motorcycle insurance policy, including declarations page
- Police report showing the other driver's insurance information or lack thereof
- Any letter or notice from your insurer about the claim
- Medical records and bills related to the crash
- Photos of the scene, bike damage, and injuries
Boulder County Crashes and Coverage Gaps
Riders on Arapahoe Avenue, Broadway, and U.S. Highway 36 face the same risk as riders anywhere: a collision with a driver who carries no insurance or not enough of it. That risk extends out to Louisville and Lafayette, where commuter traffic often crosses paths with motorcycles on surface streets and highway on-ramps. When the at-fault driver can't cover the harm, the rider's own policy becomes the next place to look.
Treatment at Boulder Community Health Foothills Hospital creates the medical record that supports a UM/UIM claim, showing the extent of injury against what the at-fault driver's insurance, if any, could pay. If a UM/UIM claim later leads to a coverage dispute or a denial, our insurance bad-faith page covers how we evaluate whether a carrier handled that claim properly.
What UM/UIM Coverage May Address
- Medical expenses beyond what the at-fault driver's coverage pays
- Lost income from time away from work
- Ongoing or future medical care tied to the crash
- Pain and physical limitation from the injuries
- Property damage to the motorcycle, depending on policy terms
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Boulder — 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.
Boulder Motorcycle UM/UIM Lawyers FAQ
Do I need Boulder motorcycle um/uim lawyers after a crash?
Call Boulder 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 determine what coverage exists and how to pursue it.
What is the difference between UM and UIM coverage?
Uninsured motorist coverage applies when the at-fault driver has no insurance. Underinsured motorist coverage applies when the at-fault driver has insurance, but the limits are too low to cover the injuries.
Does every motorcycle policy include UM or UIM coverage?
No. Coverage depends on the specific policy, and not every motorcycle policy includes it. We check the declarations page and policy language to find out what applies in your case.
My insurer denied my UM/UIM claim. Does that mean they acted in bad faith?
Not automatically. A denial or a low offer can happen for legitimate reasons under the policy. If you're concerned about how the claim was handled, our insurance bad-faith page explains what we look at.
Do I need to notify my insurer about a UM/UIM claim?
Yes, your policy will require notice, though we won't guess at a specific deadline here since terms vary. We review your policy language and help you meet whatever notice requirements apply.
Discuss a Boulder motorcycle crash
Free consultation. No attorney fee unless we recover for you.