Adams County · Uninsured and underinsured motorist
Brighton Motorcycle UM/UIM Lawyers
Brighton motorcycle um/uim lawyers for riders hurt in Brighton. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Can't Pay
McCormick & Murphy are Brighton motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Adams County Justice Center.
Not every driver on Bridge Street or U.S. Highway 85 carries enough insurance to cover a serious motorcycle injury. Some carry none at all. When that happens, the rider's own uninsured or underinsured motorist coverage may be the only path to compensation, but only if the policy includes it and the facts fit the policy language.
We start by reading the rider's own policy closely. UM coverage applies when the at-fault driver has no liability insurance. UIM applies when the at-fault driver has some coverage, but not enough to pay for the rider's medical bills, lost income, and other losses from the crash. The distinction matters, and the policy terms control which one applies and how much is available.
We do not assume every motorcycle policy in Colorado includes UM or UIM protection, and we will not guess at a dollar limit before we have reviewed the actual policy. What we can do is evaluate the coverage that exists, compare it against the extent of the rider's injuries, and pursue every dollar the policy allows.
Proving the Claim Against Your Own Insurer
A UM or UIM claim is still an insurance claim, and the insurer will scrutinize it. We gather the same kind of proof we would use against an at-fault driver: police reports, photos from the scene, witness statements, and treatment records tied to the crash. If the collision happened near Bromley Lane or in the Commerce City or Thornton area, we look for surveillance footage, traffic camera data, or nearby businesses that may have recorded the incident.
We also document the at-fault driver's insurance status early, since disputes over whether a driver was truly uninsured or underinsured can slow a claim down. Medical records from providers such as Intermountain Health Platte Valley Hospital help establish the connection between the crash and the rider's injuries, which matters just as much in a UM/UIM claim as it would in a claim against another driver.
- A copy of your own motorcycle insurance policy
- Police report showing the at-fault driver's insurance information, or lack of it
- Photos of the crash scene and vehicle damage
- Contact information for any witnesses
- Medical records connecting your injuries to the crash
Handling UM/UIM Claims From Brighton
Crashes involving uninsured or underinsured drivers happen throughout Adams County, from local roads near Bridge Street to the busier stretches of U.S. Highway 85. When a case moves into litigation, it may be filed at the Adams County Justice Center. We handle these matters from our Denver office and work with Brighton riders throughout the claims process.
If your own insurer denies a UM or UIM claim outright, or offers far less than your injuries warrant, that is a separate issue from whether coverage exists in the first place. We evaluate how the carrier handled your claim, and if the handling itself raises concerns, our insurance bad-faith page explains what that process can look like.
What UM/UIM Coverage May Pay For
- Medical expenses tied to the crash
- Lost income from time away from work
- Pain and suffering
- Future medical care related to your injuries
- Property damage to your motorcycle, depending on the policy
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Brighton — 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.
Brighton Motorcycle UM/UIM Lawyers FAQ
Do I need Brighton motorcycle um/uim lawyers after a crash?
Call Brighton 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 is the difference between UM and UIM coverage?
UM, or uninsured motorist coverage, applies when the at-fault driver has no liability insurance at all. UIM, or underinsured motorist coverage, applies when the at-fault driver has insurance, but the limits are too low to cover your injuries. Both depend entirely on the terms of your own policy.
Does my motorcycle policy automatically include UM or UIM coverage?
Not necessarily. Coverage depends on what you purchased and how your policy is written. We review the actual policy language before telling you what applies to your situation.
What if my own insurance company denies my UM claim?
A denial isn't automatically wrong, but it isn't automatically final either. We look at why the claim was denied and whether the insurer handled it fairly. If the handling itself looks improper, that raises separate bad-faith questions we can evaluate.
Can I still file a UM/UIM claim if the at-fault driver fled the scene?
A hit-and-run situation often falls under uninsured motorist coverage, since the at-fault driver's insurance status can't be confirmed. The police report and any available evidence from the scene become especially important in these cases.
Do I need a lawyer to file a UM/UIM claim with my own insurer?
You're dealing with your own insurance company, but that doesn't mean the process is simple. Policy language, coverage disputes, and claim handling issues can all affect the outcome, and having someone review the policy and the claim can make a real difference.
Discuss a Brighton motorcycle crash
Free consultation. No attorney fee unless we recover for you.