Arapahoe County · Uninsured and underinsured motorist
Englewood Motorcycle UM/UIM Lawyers
Englewood motorcycle um/uim lawyers for riders hurt in Englewood. Free consultation. No fee unless we recover for you.
When the At-Fault Driver's Insurance Isn't Enough
McCormick & Murphy are Englewood 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 South Broadway or Hampden Avenue often leave riders facing a hard truth: the driver who caused the wreck has no liability insurance, or the limits they carry fall far short of covering the injuries. In that situation, the rider's own policy may come into play through uninsured motorist or underinsured motorist coverage.
Whether that coverage applies, and how much is available, depends entirely on the language of the rider's own policy. We read the policy closely to understand what coverage exists and how the insurer defines the terms that matter to the claim.
We do not assume every motorcycle policy carries UM or UIM coverage, and we won't guess at limits before reviewing the actual policy. Our job is to identify what coverage the rider has, then pursue the claim under that policy just as we would pursue a claim against an at-fault driver's insurer.
Building the UM/UIM Claim
A UM or UIM claim still requires proof: how the crash happened, the extent of the injuries, and the impact on the rider's life. We gather police reports, scene evidence, and medical records tied to treatment, including care through providers like HCA HealthONE Swedish, to document the injury and support the value of the claim.
We also confirm the at-fault driver's insurance status early, since that determination often drives whether the claim proceeds against the other driver's carrier, the rider's own UM/UIM carrier, or both.
- A copy of the rider's own auto or motorcycle insurance policy
- The police report identifying the at-fault driver's insurance status
- Medical records and bills from treatment after the crash
- Photos of the bike, gear, and injuries
- Any correspondence already sent to an insurance company
Handling UM/UIM Claims Near Englewood
Crashes involving uninsured drivers happen throughout the area we serve, from Santa Fe Drive to neighborhoods in Littleton and Sheridan. When a claim requires litigation, cases arising in Arapahoe County are handled through the Arapahoe County Justice Center.
Our office is in Denver, and we work with Englewood riders and their families to sort out which insurance policies are in play and how to pursue every avenue of recovery available under those policies.
What UM/UIM Coverage May Help Recover
- Medical expenses tied to the crash
- Lost income from time away from work
- Pain and suffering
- Costs of ongoing or future treatment
- Property damage to the motorcycle and gear
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Englewood — 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.
Englewood Motorcycle UM/UIM Lawyers FAQ
Do I need Englewood motorcycle um/uim lawyers after a crash?
Call Englewood 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.
Does my motorcycle policy automatically include UM or UIM coverage?
Not necessarily. Coverage depends on the specific policy the rider purchased, and we review that policy language to determine what applies. We don't assume coverage exists until we've confirmed it.
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 are too low to cover the rider's injuries.
My insurer denied my UM/UIM claim. Does that mean they acted in bad faith?
Not automatically. A denial or a low offer can happen for legitimate reasons tied to policy terms or the facts of the claim. If you believe the carrier mishandled your claim, see our insurance bad-faith page for how we evaluate that separately.
How do I know if the other driver had insurance?
The police report from the crash often lists insurance information for both drivers. We also help confirm insurance status directly with insurers as part of building the claim.
Can I still make a claim if the at-fault driver has some insurance, just not enough?
Yes. That situation is exactly what underinsured motorist coverage is designed for, assuming the rider's policy includes it. We review the policy to determine what coverage may apply to the gap between the at-fault driver's limits and the rider's actual losses.
Discuss a Englewood motorcycle crash
Free consultation. No attorney fee unless we recover for you.