City and County of Broomfield · Uninsured and underinsured motorist
Broomfield Motorcycle UM/UIM Lawyers
Broomfield motorcycle um/uim lawyers for riders hurt in Broomfield. Free consultation. No fee unless we recover for you.
When the At-Fault Driver's Insurance Isn't Enough
McCormick & Murphy are Broomfield motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Broomfield Combined Courts.
Motorcycle crashes on 120th Avenue, Midway Boulevard, or U.S. Highway 36 sometimes involve a driver with no liability insurance at all, or a driver whose limits fall far short of what a rider's injuries actually cost. In either case, the rider's own policy may provide coverage through uninsured motorist (UM) or underinsured motorist (UIM) provisions. Whether that coverage applies, and how much is available, depends entirely on the language of the specific policy.
We do not assume every motorcycle policy includes UM or UIM coverage, and we don't guess at limits. Some riders have it, some have declined it, and the amounts vary widely. The first step in any case like this is pulling the actual policy and reading what it promises and what it excludes.
UM/UIM claims are different from a typical third-party claim because the rider is making a claim against their own insurer. That insurer has its own interests, its own adjusters, and its own approach to evaluating the claim. We help riders understand what their policy says and what a fair resolution looks like given their injuries.
What We Look At
We start with the policy itself, along with any declarations page or endorsement showing whether UM or UIM coverage was purchased and at what limits. We also look at the at-fault driver's insurance status, since that determines whether this is a straightforward UM claim (no coverage) or a UIM claim (coverage exists but isn't enough).
From there, we gather the same crash and injury evidence used in any motorcycle case, including scene documentation, medical records from providers such as UCHealth Broomfield Hospital, and information about how the crash happened. That evidence supports the value of the claim regardless of which insurer ultimately pays it.
- Locate your own auto or motorcycle insurance policy and declarations page
- Get the at-fault driver's insurance information, or confirm none exists
- Keep all medical records and bills from treatment after the crash
- Avoid giving a recorded statement to any insurer before speaking with us
- Save photos, witness contacts, and any police report from the scene
Broomfield Crashes and UM/UIM Coverage
Riders traveling through Broomfield, Westminster, and Superior on routes like U.S. Highway 36 sometimes get hit by drivers who carry no insurance or minimal coverage. When that happens, the claim shifts from the at-fault driver's insurer to the rider's own policy, and the process looks different from a standard liability claim.
A case that starts as a UM or UIM claim may be handled through the same Broomfield Combined Courts venue as other injury cases if it isn't resolved directly with the insurer. Our office is based in Denver, and we work with riders throughout the Broomfield area on these claims.
What UM/UIM Coverage May Address
- Medical bills tied to the crash
- Ongoing or future treatment needs
- Lost income from time away from work
- Pain and physical impairment from 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 Broomfield — 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.
Broomfield Motorcycle UM/UIM Lawyers FAQ
Do I need Broomfield motorcycle um/uim lawyers after a crash?
Call Broomfield 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.
Do all motorcycle policies include UM or UIM coverage?
No. Coverage depends on what was purchased for that specific policy. Some riders have it, some don't, and limits vary. We review the actual policy to find out.
What's the difference between UM and UIM coverage?
UM applies when the at-fault driver has no liability insurance at all. UIM applies when the at-fault driver has insurance, but the limits aren't enough to cover the rider's injuries.
Is a low settlement offer from my own insurer automatically bad faith?
Not automatically. A low offer or a denial can happen for legitimate reasons tied to the claim or the policy. If you're concerned about how a carrier handled your claim, see our insurance bad-faith page for more on that issue specifically.
Do I need to notify my insurer quickly after a crash?
Most policies require some form of notice, but we won't state a specific timeframe here since it depends on your policy language. Check your policy and reach out to us so we can help you understand what's required.
Can I pursue a UM/UIM claim if the at-fault driver fled the scene?
A hit-and-run situation often falls under uninsured motorist coverage if the driver can't be identified or has no insurance. The specifics depend on your policy and the facts of the crash, so it's worth having your policy and the incident details reviewed.
Discuss a Broomfield motorcycle crash
Free consultation. No attorney fee unless we recover for you.