Arapahoe County · Uninsured and underinsured motorist
Centennial Motorcycle UM/UIM Lawyers
Centennial motorcycle um/uim lawyers for riders hurt in Centennial. Free consultation. No fee unless we recover for you.
Uninsured and Underinsured Motorist Claims for Centennial Riders
McCormick & Murphy are Centennial motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Arapahoe County Justice Center.
Motorcycle crashes on roads like Arapahoe Road, University Boulevard, and near E-470 sometimes involve a driver with no liability insurance at all, or a driver whose coverage limits fall well short of what a rider's injuries actually cost. When that happens, the rider's own uninsured or underinsured motorist coverage, if the policy includes it, may be the path to recovery. We look at the policy language to see what applies.
UM and UIM claims are different from a standard third-party liability claim. Instead of pursuing the at-fault driver's insurer, the rider is making a claim against their own insurance carrier, and the terms of that policy control how the claim is handled and what has to be shown. Every policy is written differently, so we review the actual language before telling a client what to expect.
We help Centennial riders figure out whether UM or UIM coverage exists on their policy, what it requires, and how to present the claim to the carrier. This includes gathering proof of the at-fault driver's lack of coverage or insufficient limits, and documenting the rider's injuries and losses so the claim reflects the real impact of the crash.
Building the UM/UIM Claim
A strong UM or UIM claim starts with proof that the at-fault driver either had no insurance or had limits too low to cover the damages. Police reports from crashes near I-25 or Greenwood Village, statements confirming the other driver's insurance status, and any correspondence with the at-fault driver's carrier all help establish this.
On the injury side, we gather medical records, treatment history, and documentation of how the crash affected the rider's daily life. Records from providers such as AdventHealth Littleton, along with photos of the motorcycle and the scene, help show the full extent of what happened and support the value of the claim submitted to the rider's own insurer.
- Your own auto insurance policy, including declarations page
- Police report identifying the at-fault driver's insurance status
- Photos of the crash scene and motorcycle damage
- Medical records and bills from all treatment
- Any letters or claim numbers from insurance companies involved
Handling UM/UIM Claims Near Centennial
Motorcycle crashes involving uninsured or underinsured drivers happen throughout Centennial, from busy corridors like University Boulevard and Arapahoe Road to the highway stretches along I-25 and E-470. When a crash report or claim ends up in dispute, matters can proceed through the Arapahoe County Justice Center, and we prepare accordingly.
Our office is based in Denver, and we work with Centennial riders wherever they need to meet, whether that is by phone, video, or in person. If a UM or UIM claim gets denied or an insurer offers far less than the injuries warrant, that is not automatically bad faith, but it is worth a closer look. Our insurance bad-faith page covers how we evaluate the way a carrier handled a claim.
What a UM/UIM Claim May Cover
- Medical treatment and ongoing care costs
- Lost income from time away from work
- Pain and suffering from the crash
- Property damage to the motorcycle and gear
- Future medical needs tied to the injury
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Centennial — 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.
Centennial Motorcycle UM/UIM Lawyers FAQ
Do I need Centennial motorcycle um/uim lawyers after a crash?
Call Centennial 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 if the driver who hit me had no insurance at all?
If the at-fault driver has no liability insurance, your own uninsured motorist coverage may apply, if your policy includes it. We review your policy language to see what coverage exists and how to pursue it.
Does every motorcycle policy in Colorado include UM or UIM coverage?
No, not every policy includes this coverage, and limits vary by policy. We start by reviewing your specific policy to determine what applies to your situation.
What is the difference between UM and UIM coverage?
Uninsured motorist coverage applies when the at-fault driver has no insurance. Underinsured motorist coverage applies when the at-fault driver has insurance, but the limits are too low to cover your injuries.
My insurer offered a low amount on my UIM claim. Is that bad faith?
Not automatically. A low offer or even a denial does not by itself mean the insurer acted in bad faith. We look at how the carrier handled the claim overall, and our insurance bad-faith page explains more about that process.
Do I need to notify my insurer about a possible UM or UIM claim?
Yes, you generally need to notify your own insurer when pursuing this type of claim, though the specific requirements depend on your policy. We help clients understand what their policy requires and how to move forward.
Discuss a Centennial motorcycle crash
Free consultation. No attorney fee unless we recover for you.