Arapahoe County · Uninsured and underinsured motorists
Englewood Uninsured and underinsured motorists Lawyers
Englewood uninsured and underinsured motorist lawyers. Free consultation. No fee unless we recover for you.
Making a UM/UIM Claim in Englewood
McCormick & Murphy are Englewood uninsured motorist accident lawyers for people hurt in Englewood. We get the Englewood Police Department report, the HCA HealthONE Swedish records, and file in Arapahoe County Justice Center.
Uninsured and underinsured motorist claims are different from a typical car accident case. Instead of filing against the at-fault driver's insurer, you make a claim against your own policy, or a policy you're covered under as a resident relative or passenger. Your insurer stands in the shoes of the uninsured or underinsured driver, but that doesn't mean the claim is simple or that the insurer will treat you as a partner in the process.
You still have to prove the other driver caused the crash and prove the full extent of your damages, just as you would in a claim against a liability carrier. The difference is that you're now negotiating with your own insurance company, which has reviewed your policy, your premiums, and your coverage limits before you ever filed a claim. That dynamic can make these claims contentious even when liability is not seriously disputed.
We handle UM/UIM claims for people hurt on roads like Hampden Avenue, South Broadway, Santa Fe Drive, and U.S. Highway 285 in and around Englewood. We identify every policy that may apply, address how coverage stacks or offsets against other payments, and push the carrier to evaluate your claim on its actual merits rather than a quick internal formula.
What We Document and Preserve
Proving a UM/UIM claim means proving two things at once: that the other driver was at fault, and that your damages are real and fully valued. We gather the police report from Englewood Police Department, witness statements, photos from the scene, and any available evidence showing the other driver lacked insurance or had limits too low to cover your losses. We also review your own policy and any other policies that might apply, including household or umbrella coverage.
On the damages side, we collect medical records and bills, including treatment at facilities like HCA HealthONE Swedish, along with wage loss documentation and evidence of how the injury has affected your daily life. Because your own insurer will scrutinize this proof closely, we build the claim file as though we were presenting it to a skeptical adjuster from day one, because that's exactly who reviews it.
- Report the crash to Englewood Police Department and get a copy of the report
- Notify your own insurance company that the other driver may be uninsured or underinsured
- Keep all medical records and bills tied to the collision
- Save proof of lost income and time missed from work
- Avoid giving a recorded statement to any insurer before speaking with us
Handling UM/UIM Claims Around Englewood
Englewood sits at a crossroads of busy corridors, including U.S. Highway 285, South Broadway, Hampden Avenue, and Santa Fe Drive. These roads carry heavy commuter and commercial traffic between Englewood and neighboring communities like Littleton, Sheridan, Centennial, Greenwood Village, and Denver. With that volume comes a real risk of crashes involving drivers who carry no insurance or only minimal liability coverage.
If your UM/UIM claim moves into litigation, it may be venued at the Arapahoe County Justice Center. We prepare every claim as though it could end up in front of a judge, even when we expect to resolve it through negotiation with the insurer.
Losses We Pursue in UM/UIM Claims
- Medical expenses from the crash, past and ongoing
- Lost wages and reduced earning capacity
- Pain and suffering tied to your injuries
- Costs of future treatment or rehabilitation
- Property damage not covered elsewhere
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 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 liability insurance at all. Underinsured motorist coverage applies when the at-fault driver has insurance, but their policy limits aren't enough to cover your full damages. Both types of coverage come from your own policy or one you're covered under.
Do I still need to prove the other driver was at fault?
Yes. Even though you're filing against your own insurer, you still have to show the other driver caused the crash and that your damages flow from that collision. Your insurer will review the evidence the same way a liability carrier would.
Why would my own insurance company dispute my UM/UIM claim?
Your insurer has a financial interest in paying as little as possible, just like any other insurance company. They may dispute fault, argue your injuries aren't as serious as claimed, or contend your damages don't justify the amount you're seeking.
What if I don't know whether the other driver had insurance at the time of the crash?
We can investigate this through the police report, DMV records, and direct contact with the other driver's insurer, if one is identified. If it turns out they had no coverage or insufficient coverage, we shift the claim toward your UM/UIM policy.
Can I have more than one policy that provides UM/UIM coverage?
It's possible, depending on your household and the vehicles involved. We review all potentially applicable policies to determine what coverage exists and how it may apply to your claim.
Discuss a Englewood crash
Free consultation. No attorney fee unless we recover for you.