Fremont County · Uninsured and underinsured motorist
Florence Motorcycle UM/UIM Lawyers
Florence motorcycle um/uim lawyers for riders hurt in Florence. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Has No Insurance, or Not Enough
McCormick & Murphy are Florence motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Fremont County Combined Courts.
Not every driver on Colorado Highway 115 or Main Street in Florence carries liability insurance, and some carry only minimal coverage. When a driver who hit you has no insurance, or limits too low to cover a motorcycle injury, the path to recovery often shifts to the rider's own policy. This is where uninsured motorist and underinsured motorist coverage comes in, if the rider's policy includes it.
We do not assume every motorcycle policy has UM or UIM coverage built in. The specific language of the policy controls whether coverage applies, what it applies to, and how much is available. We start by reading the policy closely and comparing it against the facts of the crash.
A UM or UIM claim is still an insurance claim, and the insurer is not on the rider's side just because it is the rider's own carrier. We handle the claim process, gather the proof needed to support it, and push back when an offer does not match the injuries.
Proving the Other Driver Was Uninsured or Underinsured
Before a UM or UIM claim can move forward, we have to establish that the at-fault driver lacked insurance or lacked enough of it. That means confirming the other driver's coverage status, documenting the crash itself, and showing the extent of the rider's injuries and losses. Police reports, witness accounts near East 3rd Street or Penrose, and treatment records from providers such as CommonSpirit St. Thomas More Hospital in Cañon City all help build that picture.
A low settlement offer or a denial from a UM/UIM carrier is not automatically bad faith. Insurers are allowed to dispute value or coverage questions. If you believe your own carrier mishandled your claim, our insurance bad-faith page explains what that looks like and how we evaluate it separately from the underlying UM/UIM claim itself.
- A copy of your own motorcycle insurance policy, declarations page included
- Any information you have on the at-fault driver's insurance status
- The police report from the crash
- Medical records showing the injuries and treatment received
- Notes on how and when you reported the claim to your own insurer
Handling UM/UIM Claims From Florence
Crashes on stretches like Colorado Highway 115 or near the Main Street corridor in Florence sometimes involve drivers who have let their insurance lapse or who carry the state minimum. When that happens, riders are often surprised to learn their own policy may be the primary path to fair compensation. We walk Florence clients through what their policy actually says before we file anything.
If a Florence case moves into litigation, it would typically be filed in Fremont County Combined Courts in Cañon City. Our office is located at 301 N. Main Street in Pueblo, and we regularly handle claims for riders throughout Fremont County, including Florence, Cañon City, and Penrose.
What a UM/UIM Claim May Cover
- Medical treatment tied to the crash
- Lost income from time away from work
- Pain and physical limitation from the injuries
- Damage to the motorcycle and related property
- Future care needs tied to a lasting injury
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Florence — 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.
Florence Motorcycle UM/UIM Lawyers FAQ
Do I need Florence motorcycle um/uim lawyers after a crash?
Call Florence 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 at 301 N. Main Street, Pueblo, CO 81003.
Does my motorcycle policy automatically include UM or UIM coverage?
Not necessarily. Coverage depends entirely on the specific policy you purchased and its language. We review the policy directly rather than assume what it includes.
What if the other driver had some insurance, but not enough?
That is where underinsured motorist coverage may apply, filling the gap between what the at-fault driver's policy pays and the actual value of your claim. Again, this depends on whether your policy includes UIM coverage and what its terms say.
My own insurer denied my UM claim. Is that bad faith?
Not automatically. Insurers can dispute coverage or value in good faith. If you think your carrier handled the claim unfairly, we can look at that separately using the standards discussed on our insurance bad-faith page.
How do I know if the at-fault driver had insurance?
The police report from your crash often includes insurance information, and your own insurer can help verify it during the claims process. We help track this down as part of building the UM/UIM claim.
Do I still need a lawyer if I'm filing against my own insurance company?
Yes. Your insurer's interests in a UM/UIM claim are not the same as yours, and the claims process can be just as adversarial as one against another driver's insurer. We handle that process and the proof it requires.
Discuss a Florence motorcycle crash
Free consultation. No attorney fee unless we recover for you.