City and County of Broomfield · Uninsured and underinsured motorists
Broomfield Uninsured and underinsured motorists Lawyers
Broomfield uninsured and underinsured motorist lawyers. Free consultation. No fee unless we recover for you.
How Uninsured and Underinsured Motorist Claims Work
McCormick & Murphy are Broomfield uninsured motorist accident lawyers for people hurt in Broomfield. We get the Broomfield Police Department report, the UCHealth Broomfield Hospital records, and file in Broomfield Combined Courts.
A UM/UIM claim is filed against your own insurance company, not the at-fault driver's insurer. But that doesn't mean it's simple. Your insurer still requires proof that the other driver caused the crash and proof of how much your injuries and losses are worth, just as if you were pursuing a claim against that driver directly.
These claims come up when the at-fault driver has no insurance at all, or when their liability limits are too low to cover your medical bills, lost income, and other losses. In Colorado, UM/UIM coverage is meant to fill that gap, but your own insurer is still a business with an incentive to minimize what it pays. We've seen carriers dispute fault, question the extent of injuries, or argue that a settlement offer already reflects fair value.
Because UM/UIM is a contract claim against your insurer, the policy language matters. We review your coverage, any underlying liability policy from the at-fault driver (if one exists), stacking and offset provisions, and how much is actually available to you before we evaluate what your claim is worth.
What We Look At to Prove Fault and Damages
Even though you're dealing with your own insurer, we build the case the same way we would against an at-fault driver: police reports, witness statements, photos, vehicle damage, and any available information about the other driver's coverage status or lack of it. We also look closely at your policy and any other policies that might apply, including household or umbrella coverage, to identify every source of available compensation.
On the damages side, we gather medical records and bills, documentation of missed work and lost income, and statements from you and people close to you about how the injury has affected daily life. Insurers evaluating UM/UIM claims often focus heavily on this proof, so we make sure the full picture, past and ongoing effects, is documented before we respond to any offer.
- Police report and any information about the other driver's insurance status
- Photos of vehicle damage and the accident scene
- All medical records and bills related to your injuries
- Pay stubs or records showing missed work and lost income
- A copy of your own auto insurance policy, including UM/UIM declarations
Handling UM/UIM Claims From Broomfield
We see uninsured and underinsured motorist claims arising from crashes on roads throughout Broomfield, including U.S. Highway 36, 120th Avenue, Colorado Highway 121, and Midway Boulevard. These are busy corridors connecting Broomfield to Westminster, Superior, Louisville, Lafayette, and Northglenn, and not every driver on them carries adequate insurance, or any insurance at all.
When a UM/UIM claim in Broomfield can't be resolved with the insurance company, it may be litigated in Broomfield Combined Courts. We also work with records from Broomfield Police Department and treatment documentation from providers like UCHealth Broomfield Hospital to support the claim from the start.
Losses That May Factor Into a UM/UIM Claim
- Medical expenses for treatment related to the crash
- Lost income from time away from work
- Reduced future earning capacity if injuries limit your work
- Pain, suffering, and the impact on your daily life
- Property damage not covered elsewhere
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 Uninsured Motorist Accident Lawyers FAQ
What is the difference between uninsured and underinsured motorist coverage?
Uninsured motorist coverage applies when the at-fault driver has no insurance at all. Underinsured motorist coverage applies when the at-fault driver has insurance, but their policy limits aren't enough to cover your losses. Both are typically part of the same coverage on your own auto policy.
Do I have to prove the other driver was at fault even though I'm filing with my own insurer?
Yes. A UM/UIM claim still requires proof that the other driver caused the crash, just as a claim against that driver's own insurer would. Your insurance company steps into that role, but the burden of proving fault and damages doesn't go away.
Will filing a UM/UIM claim raise my insurance rates?
This depends on your insurer and policy, and it's a fair question to raise with your agent or with us during a consultation. We can't give a blanket answer because it varies by carrier and circumstances.
What if the at-fault driver has some insurance but not enough?
That's an underinsured motorist situation. Your UIM coverage may apply to make up the difference between what the at-fault driver's policy pays and the full value of your claim, subject to your own policy limits and any offset provisions.
Can I still have a UM/UIM claim if I don't know whether the other driver had insurance?
Yes. Part of building the claim involves determining the other driver's coverage status. If it turns out they were uninsured or underinsured, your own policy's UM/UIM provisions come into play.
Discuss a Broomfield crash
Free consultation. No attorney fee unless we recover for you.