the City and County of Denver · Uninsured and Underinsured Motorists
Denver Uninsured Motorist Accident Lawyers
Denver uninsured motorist accident lawyers for crashes on Colfax Avenue, Federal Boulevard, I-25, and I-70. Free consultation. No fee unless we recover for you.
Denver UM/UIM Claims: Proving Fault in Denver District Court
McCormick & Murphy are Denver uninsured motorist accident lawyers for people hurt by a driver with no insurance or too little insurance. We get the Denver Police Department or Colorado State Patrol report, the Denver Health records, and file in Denver District Court.
An uninsured motorist claim is a first-party claim against your own policy, but it requires the same proof of fault and injury that a third-party claim does. You must show that the other driver caused the crash and that you suffered real, documented losses. The insurance company then evaluates your claim and either pays or denies it. If the offer falls short or liability is disputed, the case may go to arbitration or trial in Denver District Court.
Underinsured motorist coverage applies when the at-fault driver has insurance, but their liability limits do not cover all your damages. Your UIM coverage fills that gap. Both UM and UIM claims require careful documentation of police reports, medical records, wage loss, property damage, and any other economic and non-economic losses you have sustained.
From the Denver Police Report to Denver Health Medical Records
We obtain the crash report from the Denver Police Department or Colorado State Patrol, identify and interview witnesses, collect photographs and vehicle damage documentation, and secure your medical records and bills from Denver Health Medical Center and other providers. We also pull your insurance policy to confirm coverage limits, deductibles, and any stacking options that may apply.
We calculate lost wages, document pain and suffering through medical testimony, and review the carrier's file for any unjustified denials or low-ball offers. We also verify whether other insurance policies—homeowner's, renter's, or employer-provided—may provide additional coverage. This comprehensive record forms the foundation of our demand and any arbitration or court proceeding.
Investigating Denver UM/UIM Claims & Client Office Access
McCormick & Murphy are Denver uninsured motorist accident lawyers who obtain Denver Police Department and Colorado State Patrol reports, secure Denver Health medical records, and file in Denver District Court when you're hurt by a driver with no insurance or too little insurance.
- Local crash evidence: We obtain the crash report from the Denver Police Department or Colorado State Patrol, identify and interview witnesses, collect photographs and vehicle damage documentation, and secure your medical records and bills from Denver Health Medical Center and other providers.
- Denver, CO nearest firm office: Our office in Denver is centrally located and familiar with the patterns of collisions on Colfax Avenue, Federal Boulevard, I-25, and I-70, and the local courts. We handle the claim from notification through settlement or trial in Denver District Court.
- Denver Office Location Anchor: Clients meet with our team at Denver, CO — with home or hospital consultations available if severe injuries prevent travel.
Essential documentation to prove fault and damages in a Denver uninsured or underinsured motorist claim—from police reports to policy endorsements.
- Denver Police Department or Colorado State Patrol crash report
- Your UM/UIM policy and endorsements
- Coverage letters and claim-file correspondence
- Denver Health Medical Center records and bills
- Medical records from all treating providers
- Photographs and vehicle damage documentation
- Witness statements and contact information
- Lost wages and employment documentation
- Recorded statements and submissions to insurer
- Insurer delay or denial explanations
- Complete timeline from first notice of claim
- Property damage repair estimates or total-loss valuation
- Documentation of pain and suffering through medical testimony
Contact us as soon as possible—time limits apply to UM/UIM claims in Colorado, and early investigation is critical.
Colfax Avenue, Federal Boulevard, I-25 and I-70: When UM/UIM Coverage Applies
Denver's high-traffic corridors—Colfax Avenue, Federal Boulevard, I-25, and I-70—are common sites of collisions involving uninsured motorists. Neighborhoods like Capitol Hill, Five Points, RiNo, Cherry Creek, and Highlands Ranch see frequent crashes where the responsible driver has no insurance or minimal coverage. Our office in Denver is centrally located and familiar with the patterns of these collisions and the local courts.
Whether your crash occurred on a busy street, a residential road, or the interstate, the legal process is the same: prove fault, document injury, and secure fair compensation. We handle the claim from notification through settlement or trial, managing every communication with your insurer and ensuring deadlines are met.
Official Denver hospital, report, crash-record, and court links →
Recovering Medical Bills, Lost Wages and Vehicle Damage After a Denver Crash
- Medical expenses: emergency care, hospitalization, surgery, rehabilitation, ongoing treatment, mental health counseling, and medical devices or modifications
- Lost wages: income lost during recovery, reduced earning capacity if injury is permanent, and benefits lost due to time away from work
- Property damage: vehicle repair or replacement, rental car costs, and the diminished value of your vehicle
- Pain and suffering: physical pain, emotional distress, loss of enjoyment of life, and impact on your daily activities and relationships
- Permanent scarring or disfigurement: cosmetic injury, reconstructive surgery, and ongoing skin care or camouflage costs
- Household services: cost of housekeeping, childcare, yard work, or other services you cannot perform during recovery
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.
Questions We Hear From Denver Clients About UM/UIM Claims
Do I need Denver uninsured motorist accident lawyers after a crash?
Call Denver uninsured motorist accident 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.
What if the uninsured driver is judgment-proof?
That is exactly why you carry uninsured motorist coverage. Your UM policy protects you regardless of the other driver's financial status. We file a claim against your own insurance and prove the other driver's fault. The other driver's lack of assets does not reduce your right to compensation from your own carrier.
How long do I have to file a UM/UIM claim in Colorado?
Colorado law imposes a three-year statute of limitations for personal injury claims, but insurance policies often require written notice of the claim much sooner—sometimes within 30 to 90 days of the crash. Failing to meet the policy deadline can result in denial. We advise notifying your carrier immediately and consulting us right away to ensure compliance.
Will my insurance rates go up if I file a UM claim?
Using UM coverage after a hit-and-run does not mean you were at fault. Colorado restricts premium increases for not-at-fault accidents under C.R.S. § 10-4-628, and Division of Insurance rules restrict increases based on UM claim payments. General filed rate changes still happen industry-wide, but that is not the same as a surcharge for filing the UM claim.
How much does it cost to hire you for a UM/UIM claim?
We work on contingency. You pay no attorney's fee unless we recover money for you through settlement, arbitration, or judgment. If we recover, our fee comes from the proceeds—typically a percentage agreed upon in our contract. Court costs and investigation expenses are handled separately, and we discuss all fees upfront before you sign anything.
What if my insurance company denies my UM claim?
We file a lawsuit or demand arbitration in Denver District Court. Colorado law requires insurers to handle UM claims in good faith, and denial must be supported by evidence. We present the proof of the other driver's fault, your medical records, and your damages. If a jury trial is necessary, we are prepared to advocate for you in court.
Nearest McCormick & Murphy office
Discuss Your Denver Uninsured Motorist Accident Case
Speak directly with an experienced injury attorney. Free consultation. No fee unless we win.