City and County of Denver · Uninsured and underinsured motorist
Denver Motorcycle UM/UIM Lawyers
Denver motorcycle um/uim lawyers for riders hurt in Denver. Free consultation. No fee unless we recover for you.
When the Other Driver's Insurance Isn't Enough
McCormick & Murphy are Denver motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Denver District Court.
A lot of Denver motorcycle crashes leave the rider dealing with a driver who carries no liability insurance at all, or limits that fall far short of the medical bills and lost income the crash caused. In that situation, the rider's own policy may come into play through uninsured motorist or underinsured motorist coverage, if the rider carries it.
Whether that coverage applies, and how much of it applies, comes down to the specific language in the rider's policy. Some policies exclude motorcycles from UM/UIM coverage or handle it differently than a car policy. We read the policy closely before telling a client what to expect.
Not every motorcycle policy in Colorado includes UM or UIM coverage automatically, and coverage limits vary from policy to policy. We look at the declarations page and the policy terms early so we understand what's actually available before we build a claim around it.
Building the UM/UIM Claim
A UM or UIM claim still requires proof of fault and damages, the same as a claim against another driver. We gather the same evidence: photos from the scene, witness accounts, any available crash report, and medical records tying the injuries to the collision. That evidence matters just as much when the rider is making a claim against their own carrier.
We also confirm the at-fault driver's coverage status before assuming UM/UIM applies. Sometimes what looks like a no-insurance situation turns into an underinsured claim once we know the actual liability limits, and sometimes it stays a straight UM claim. Either way, we build the file so the carrier can't dispute what happened or how badly the rider was hurt.
- Your own auto insurance declarations page and policy
- Any information you have on the at-fault driver's insurance, if any
- Police or crash report from the scene
- Medical records and bills from treatment after the crash
- Photos of the bike, gear, and injuries
Handling UM/UIM Claims for Denver Riders
We represent riders hurt in crashes across Denver neighborhoods like Capitol Hill, Five Points, Cherry Creek, Highland, and RiNo, and we're familiar with how these claims move through Denver District Court when litigation becomes necessary. Many of our clients are treated at Denver Health Medical Center or other area providers, and we work with those records as part of building the claim.
If a claim under a rider's own UM/UIM coverage turns into a dispute over how the insurer handled it, that's a different issue from simply having low or no coverage. We have a separate page on insurance bad faith that covers what to look for if you think a carrier mishandled your claim, and we're glad to talk through that with you directly.
What a UM/UIM Claim Can Cover
- Medical treatment and ongoing care costs
- Lost wages and reduced earning capacity
- Pain and suffering
- Property damage to the motorcycle and gear
- Other losses tied directly to the crash
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Denver — 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.
Denver Motorcycle UM/UIM Lawyers FAQ
Do I need Denver motorcycle um/uim lawyers after a crash?
Call Denver motorcycle um/uim lawyers when you were hurt, fault is disputed, or an insurer delays, denies, or offers less than the medical bills. The Denver office is in Denver, CO.
Does my motorcycle policy automatically include UM or UIM coverage?
Not necessarily. Coverage depends entirely on the policy you have, and some policies handle motorcycles differently than cars. We review your declarations page and policy language to find out what applies.
What's 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 aren't enough to cover your losses.
Can I make a UM/UIM claim if I don't know whether the other driver has insurance?
Yes. We help confirm the at-fault driver's insurance status as part of the claim. Depending on what we find, the claim may end up as a UM claim, a UIM claim, or a standard liability claim.
My insurer denied my UM/UIM claim or offered very little. Does that mean they acted in bad faith?
Not automatically. A denial or low offer on its own isn't bad faith. If you think your carrier mishandled your claim, our insurance bad-faith page covers what that looks like, and we can discuss your specific situation.
Do I need a lawyer to make a UM/UIM claim against my own insurer?
You're allowed to file the claim yourself, but you're still negotiating with an insurance company that has its own interests. We handle the policy review, evidence, and negotiation so you can focus on recovering.
Discuss a Denver motorcycle crash
Free consultation. No attorney fee unless we recover for you.