El Paso County · Uninsured and underinsured motorists
Briargate Uninsured and underinsured motorists Lawyers
Briargate uninsured and underinsured motorist lawyers. Free consultation. No fee unless we recover for you.
How a Briargate UM/UIM Claim Works
McCormick & Murphy are Briargate uninsured motorist accident lawyers for people hurt in Briargate. We get the Colorado Springs Police Department and El Paso County Sheriff’s Office report, the UCHealth Memorial Hospital North records, and file in El Paso County Combined Courts.
Uninsured and underinsured motorist claims are different from a standard liability claim. Instead of pursuing the at-fault driver's insurer, you turn to your own policy, or a policy covering the vehicle or household, for compensation. But your insurer does not simply pay because the other driver had no coverage or too little. You still have to show the other driver caused the crash and that your losses exceed what, if anything, that driver's insurance paid.
This puts your own insurance company in an unusual position. They are the company you pay premiums to, but in a UM/UIM claim they are evaluating your claim much like an adversary would, questioning fault, the extent of your injuries, and the value of your losses. We handle that evaluation process, gather the proof needed to support fault and damages, and respond to the carrier's position with the documentation it takes seriously.
We also look closely at every policy that might apply. That can include your own auto policy, a policy on another vehicle in your household, or coverage tied to a vehicle you were a passenger in. Identifying every available policy and understanding how coverage limits, stacking rules, and offsets for any liability payment apply is part of building the claim correctly from the start.
What We Use to Prove Your UM/UIM Claim
Because you still must prove the other driver's fault, we build that case the same way we would in any crash claim: police reports, scene evidence, witness statements, and documentation of how the collision happened on roads like I-25, Briargate Parkway, Research Parkway, or North Gate Boulevard. We also confirm the other driver's insurance status, or lack of it, and any partial payment already made under their liability policy.
On the damages side, we gather medical records, bills, and documentation of treatment, along with wage loss records and any other financial impact of the crash. We use this proof to respond to your own insurer's evaluation of the claim, and to show why the amount offered does not match the actual loss. We also account for notice requirements and coverage elections that may apply to your specific policy.
- Confirm whether the other driver had insurance and how much
- Report the claim promptly to your own insurance company
- Keep all medical records and bills related to the crash
- Save pay stubs or records showing missed work and lost income
- Locate all auto policies that might apply, including household policies
Handling UM/UIM Claims in Briargate and El Paso County
Briargate crashes we see involve corridors like I-25, Briargate Parkway, Research Parkway, and North Gate Boulevard. When the Colorado Springs Police Department or El Paso County Sheriff's Office responds to a crash and the at-fault driver turns out to be uninsured or underinsured, that report becomes an important piece of the UM/UIM claim. We also work with records from treatment at facilities like UCHealth Memorial Hospital North to document injuries tied to the collision.
If a UM/UIM claim moves into litigation, it is typically filed through El Paso County Combined Courts. We represent clients throughout the Briargate area and nearby communities including Colorado Springs, Monument, Fountain, Manitou Springs, and Palmer Lake.
Losses We Pursue in UM/UIM Claims
- Medical expenses from the crash
- Future medical care tied to your injuries
- Lost wages and reduced earning capacity
- Pain and suffering
- Other out-of-pocket costs caused by the collision
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Briargate — and read client testimonials.
A passenger suffered traumatic brain, neck, and back injuries in a Colorado Springs intersection collision. After the carrier refused a fair number, a jury awarded $295,000 including interest and costs.
El Paso County jury verdict
Prior results do not guarantee a similar outcome. Every case depends on its facts, coverage, venue, and evidence.
Briargate Uninsured Motorist Accident Lawyers FAQ
Do I still need to prove the other driver was at fault?
Yes. Even though UM/UIM is a claim against your own insurer, you still must show the other driver caused the crash and establish the full value of your losses. Your insurer will evaluate both fault and damages before deciding what to pay.
What if the other driver had some insurance, just not enough?
That is an underinsured motorist, or UIM, situation. Your UIM coverage can apply to make up the difference between what the at-fault driver's policy pays and the actual value of your claim, subject to your policy limits and any offsets.
Which insurance policy applies to my claim?
It depends on your situation. Coverage may come from your own auto policy, a policy on another vehicle in your household, or a policy tied to a vehicle you were riding in at the time of the crash. We help identify every policy that may apply.
Why does it feel like my own insurance company is fighting my claim?
In a UM/UIM claim, your insurer is financially responsible for paying your claim, so they evaluate it carefully, similar to how a liability insurer would. That does not mean your claim lacks merit, but it does mean thorough documentation of fault and damages matters.
What does it cost to have you handle my UM/UIM claim?
We offer a free consultation to review your situation. We do not charge an attorney fee unless we recover compensation for you.
Discuss a Briargate crash
Free consultation. No attorney fee unless we recover for you.