Pueblo County · Uninsured and underinsured motorist
Colorado City Motorcycle UM/UIM Lawyers
Colorado City motorcycle um/uim lawyers for riders hurt in Colorado City. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Has No Insurance, or Not Enough
McCormick & Murphy are Colorado City motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Pueblo County Combined Courts.
Colorado City motorcycle wrecks often happen on stretches like I-25, Colorado Highway 165, Cuerno Verde Road, and Unitah Road, where a driver runs a rider off the road or turns into their path and then turns out to have no liability insurance at all, or limits far too low to cover the rider's injuries. When that happens, the rider's own policy may come into play through uninsured motorist coverage, or underinsured motorist coverage if the at-fault driver had some insurance but not enough.
Whether that coverage applies, and how much is available, depends entirely on the language of the rider's own policy. We do not assume every motorcycle policy carries UM or UIM protection, and we will not guess at a coverage limit before we have read the policy. Reviewing the actual policy terms is the starting point for any UM or UIM claim.
These claims put the rider in an unusual position: instead of dealing only with the other driver's insurer, the rider is making a claim against their own carrier. That carrier has its own interests, and the claim still has to be built with proof of fault and proof of injury, just as it would against an at-fault driver's insurer.
Building the UM/UIM Claim
We start by locating and reading the rider's policy to determine whether UM or UIM coverage exists and what conditions apply. From there, we work to establish that the other driver was at fault, using the same kind of proof any injury claim requires: photos from the scene along Colorado Highway 165 or Cuerno Verde Road, witness accounts, and the police report. We also confirm the other driver's insurance status, since that is what triggers the uninsured or underinsured claim in the first place.
Medical records from treatment following the crash, including care connected to UCHealth Parkview Medical Center in Pueblo, help document the injuries and support the value of the claim submitted to the rider's own insurer. If the carrier disputes coverage or offers less than the injuries warrant, that is a claims-handling issue, not automatically bad faith. Riders who believe their own insurer mishandled a UM or UIM claim can read more on our insurance bad-faith page about how a carrier's conduct is evaluated.
- A copy of your own motorcycle insurance policy, declarations page included
- The police report identifying the other driver and their insurance status, or lack of it
- Photos from the scene near I-25, Colorado Highway 165, or wherever the crash happened
- Medical records and bills from treatment after the crash
- Any letters or claim numbers from your own insurer regarding the UM or UIM claim
Colorado City and Pueblo County
Colorado City sits along the I-25 corridor near Colorado Highway 165, with local roads like Cuerno Verde Road and Unitah Road carrying riders through the area. When a crash on any of these roads involves a driver with no insurance or too little, the claim shifts to the rider's own policy, and Pueblo County Combined Courts is where a lawsuit would be filed if the UM or UIM claim cannot be resolved directly with the insurer.
We work with riders from Colorado City and the surrounding Pueblo County area from our office at 301 N. Main Street in Pueblo. That includes gathering records tied to treatment at UCHealth Parkview Medical Center in Pueblo and coordinating with local investigators when the other driver's insurance status needs to be confirmed.
What a UM/UIM Claim May Cover
- Medical expenses tied to the crash
- Future medical care if injuries are ongoing
- Lost income from time away from work
- Pain and suffering
- Property damage to the motorcycle, depending on policy terms
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Colorado 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.
Colorado City Motorcycle UM/UIM Lawyers FAQ
Do I need Colorado City motorcycle um/uim lawyers after a crash?
Call Colorado City 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 at 301 N. Main Street, Pueblo, CO 81003.
Does my motorcycle policy automatically include UM or UIM coverage?
Not necessarily. Coverage depends on the specific policy you purchased, and we review the declarations page and policy language before assuming anything is or isn't covered.
What is the difference between UM and UIM coverage?
Uninsured motorist coverage applies when the at-fault driver has no liability insurance at all. Underinsured motorist coverage applies when the at-fault driver has insurance, but the limits are too low to cover the rider's injuries.
Is a low offer from my own insurer bad faith?
Not automatically. A low offer or a denial can happen for legitimate reasons tied to policy terms or disputed facts, and whether it crosses into bad faith depends on how the carrier handled the claim. Our insurance bad-faith page explains what we look at in that analysis.
What if the at-fault driver fled the scene near Colorado Highway 165 or I-25?
A hit-and-run situation often triggers uninsured motorist coverage, since the fleeing driver's insurance status typically cannot be confirmed. We would still need available evidence from the scene to support the claim with your own insurer.
Do I need a lawyer to file a UM or UIM claim with my own insurer?
You are not required to have one, but your insurer still has its own interests in how the claim is evaluated and paid. We handle the policy review, the proof of fault, and the negotiation so the claim is presented fully from the start.
Discuss a Colorado City motorcycle crash
Free consultation. No attorney fee unless we recover for you.