Pueblo County · Uninsured and underinsured motorists
Colorado City Uninsured and underinsured motorists Lawyers
Colorado City uninsured and underinsured motorist lawyers. Free consultation. No fee unless we recover for you.
Understanding Your UM/UIM Claim
McCormick & Murphy are Colorado City uninsured motorist accident lawyers for people hurt in Colorado City. We get the Pueblo County Sheriff’s Office report, the UCHealth Parkview Medical Center in Pueblo records, and file in Pueblo County Combined Courts.
When the driver who caused your crash has no insurance, or doesn't carry enough to cover your losses, your own policy's uninsured and underinsured motorist coverage may step in. This is a first-party claim against your own insurer, but it is not automatic. You still have to prove the other driver caused the crash and show the full extent of what the collision cost you, physically, financially, and otherwise.
Your insurance company is not on your side the way it may seem. Even though you are making a claim under your own policy, the insurer's financial interest is in paying as little as possible. We have seen carriers dispute fault in the underlying crash, question the severity of injuries, or argue that medical treatment was unrelated or excessive, all to reduce what they owe under UM/UIM coverage.
These claims also involve layers most people don't expect: stacking rules, offsets for payments already received, notice requirements to your carrier, and sometimes multiple policies that could apply. We sort through your coverage, build the case against the at-fault driver as if they were insured, and present your insurer with a demand backed by solid proof of fault and damages.
What We Use to Prove Fault and Damages
To succeed in a UM/UIM claim, we first prove the other driver was at fault, just as we would in any injury case. That means gathering the police report, witness statements, photos of vehicle damage and the scene, and when available, traffic camera or dash cam footage from crashes along corridors like I-25, Colorado Highway 165, Cuerno Verde Road, or Unitah Road. We also look at all applicable insurance policies, including yours and any household members' policies, to understand what coverage is actually available.
On the damages side, we document medical treatment, including care received at facilities like UCHealth Parkview Medical Center in Pueblo, along with wage loss records, out-of-pocket expenses, and the ongoing impact of your injuries. We respond directly to the carrier's evaluation, addressing any offsets they claim for other payments and pushing back where their assessment undervalues what you have lost.
- Report the crash to Pueblo County Sheriff's Office and get a copy of the report
- Notify your own insurance company of the crash and potential UM/UIM claim
- Keep all medical records and bills from treatment related to the crash
- Save pay stubs or records showing missed work and lost income
- Avoid giving a recorded statement to any insurer before speaking with us
Serving Colorado City and Pueblo County
Colorado City sits along the I-25 corridor in Pueblo County, with drivers regularly traveling Colorado Highway 165, Cuerno Verde Road, and Unitah Road to reach Pueblo, Pueblo West, and surrounding communities. Uninsured and underinsured driver crashes happen on these roads just as often as anywhere else in the county, and we handle UM/UIM claims arising from collisions throughout this area, including nearby Walsenburg, Rye, and Boone.
If your case requires litigation, it would proceed through Pueblo County Combined Courts. Our office at 301 N. Main Street in Pueblo is available to meet with clients from Colorado City and the surrounding area, and we can also discuss your case by phone at (888) 668-1182.
Losses We Pursue in UM/UIM Claims
- Medical expenses, past and future, related to the crash
- Lost wages and diminished earning capacity
- Pain, suffering, and loss of enjoyment of life
- Permanent impairment or disfigurement from injuries
- Out-of-pocket costs for treatment, travel, and household help
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 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 are not enough to cover your full losses. Both types of coverage come from your own policy, not the other driver's.
Do I still need to prove the other driver was at fault?
Yes. Even though UM/UIM is a claim against your own insurer, you must still show the other driver caused the crash. We gather the same type of evidence we would use in any fault-based claim, including police reports and witness information.
Will making a UM/UIM claim raise my insurance rates?
This depends on your insurer and policy, and we can't promise a specific outcome. What we can do is make sure you understand the claim process and help you pursue the compensation your policy is meant to provide.
What if the at-fault driver fled the scene?
Hit-and-run crashes where the driver can't be identified often fall under uninsured motorist coverage. We help document what happened and work to establish that an unidentified vehicle caused your injuries, which is necessary to pursue this type of claim.
Why would I need a lawyer if I'm just dealing with my own insurance company?
Your insurer's goal is still to limit what it pays out, even on your own policy. We have seen carriers dispute fault, downplay injuries, or apply offsets that reduce your recovery. Having representation helps make sure your claim is fully documented and fairly evaluated.
Discuss a Colorado City crash
Free consultation. No attorney fee unless we recover for you.