Fremont County · Uninsured and underinsured motorists
Cañon City Uninsured Motorist Accident Lawyers
Cañon City uninsured and underinsured motorist lawyers. Free consultation. No fee unless we recover for you.
Uninsured and Underinsured Motorist Claims
McCormick & Murphy are Cañon City uninsured motorist accident lawyers for people hurt in Cañon City. We get the Cañon City Police Department or Fremont County Sheriff's Office report, the CommonSpirit St. Thomas More Hospital records, and file in Fremont County Combined Courts.
When a driver on U.S. Highway 50, Colorado Highway 115, 9th Street, or Royal Gorge Boulevard causes a crash and carries no insurance, or not enough insurance to cover your losses, you may have to turn to your own policy's UM/UIM coverage. This is a first-party claim against your own insurer, but it does not mean the claim is simple or automatic.
Your insurance company still requires proof that the other driver was at fault and proof of the full value of your damages, just as if you were pursuing the at-fault driver directly. Insurers evaluate these claims closely, and they look for ways to reduce or deny what they owe. We gather the evidence needed to show fault and to document the extent of your injuries and losses.
UM/UIM claims also involve policy language, coverage limits, and offsets that can affect what you actually recover. We review your policy, identify every applicable coverage, and work through the claims process with your insurer so you are not navigating it alone.
What We Gather
We start with the facts of the underlying collision: the police report from Cañon City Police Department or the Fremont County Sheriff's Office, witness statements, photos, and any available scene evidence. We also identify every insurance policy that may apply, including your own UM/UIM coverage and any liability coverage the other driver may have had, even if it is insufficient.
We collect medical records from providers such as CommonSpirit St. Thomas More Hospital to document your injuries and treatment, along with proof of wage loss and other financial impacts. We use this evidence to support your claim and respond to the carrier's evaluation of your damages, including any offsets they attempt to apply.
- Get a copy of the police report from the responding agency
- Photograph the scene, vehicle damage, and your injuries
- Seek medical care and keep all treatment records
- Review your own auto policy for UM/UIM coverage
- Report the claim to your insurer and keep copies of all correspondence
Handling UM/UIM Claims in Cañon City and Fremont County
Crashes involving uninsured or underinsured drivers happen throughout Cañon City and nearby communities like Florence, Penrose, Lincoln Park, and Brookside. When these cases proceed in court, they are typically filed in Fremont County Combined Courts. We understand how local roads, traffic patterns, and insurance practices in this area affect these claims.
Our office is located at 301 N. Main Street in Pueblo, and we represent clients from Cañon City and the surrounding Fremont County area, including those who travel toward Pueblo for medical care or other needs following a crash. We handle the insurance communication and claim preparation so you can focus on recovery.
Damages We Pursue
- Medical expenses from treatment at facilities like CommonSpirit St. Thomas More Hospital
- Lost wages and reduced earning capacity
- Pain and suffering from your injuries
- Future medical care related to the crash
- Property damage not covered by the at-fault driver's insurance
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Cañon City — and read client testimonials.
A pickup hit me from behind on Hwy 50 east of Pueblo. The insurer offered $2,600. McCormick & Murphy helped with treatment, filed suit, and the case settled at mediation for $165,000.
C. O., Pueblo · Highway 50 crash
Prior results do not guarantee a similar outcome. Every case depends on its facts, coverage, venue, and evidence.
Cañon City Uninsured Motorist Accident Lawyers FAQ
Do I need Cañon City uninsured motorist accident lawyers after a crash?
Call Cañon City uninsured motorist accident lawyers when you were hurt, fault is disputed, or an insurer delays, denies, or offers less than the medical bills. The nearest office is at 301 N. Main Street, Pueblo, CO 81003.
What is the difference between UM and UIM 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 limits are not enough to cover your full damages.
Do I have to prove the other driver was at fault even though I'm filing against my own insurer?
Yes. Even though UM/UIM is a claim against your own policy, your insurer requires proof that the other driver caused the crash and proof of the extent of your damages.
Will filing a UM/UIM claim raise my insurance rates?
Insurance rate decisions are made by your carrier and depend on your policy and state regulations. We can discuss general concerns, but we recommend speaking with your insurance agent about rate-specific questions.
What if the at-fault driver fled the scene?
Hit-and-run crashes often fall under uninsured motorist coverage since the responsible driver cannot be identified or confirmed to have insurance. We help gather evidence from the scene and any available witnesses to support this type of claim.
Can I still pursue the at-fault driver directly if they have some insurance?
Yes. If the at-fault driver has liability insurance but it is insufficient, you may pursue that policy first and then turn to your own underinsured motorist coverage for the remaining damages.
Discuss a Cañon City crash
Free consultation. No attorney fee unless we recover for you.