Fremont County · Uninsured and underinsured motorists
Florence Uninsured and underinsured motorists Lawyers
Florence uninsured and underinsured motorist lawyers. Free consultation. No fee unless we recover for you.
How a Florence Uninsured Motorist Claim Works
McCormick & Murphy are Florence uninsured motorist accident lawyers for people hurt in Florence. We get the Florence Police Department and Fremont County Sheriff’s Office report, the CommonSpirit St. Thomas More Hospital in Cañon City records, and file in Fremont County Combined Courts in Cañon City.
When the at-fault driver has no insurance, or not enough coverage to pay for what happened, you may have to turn to your own policy's uninsured or underinsured motorist coverage. This is a first-party claim against your own insurer, but it is not automatic. Your insurance company still requires proof that the other driver caused the crash and proof of how much the loss is worth, just as if you were pursuing the at-fault driver directly.
That dual burden surprises a lot of people. You are asking your own carrier to pay, yet you still have to build the fault case and the damages case from scratch. We gather the evidence needed to show the other driver was responsible for the collision on roads like Colorado Highway 67 or Main Street in Florence, and we document the full extent of your medical treatment, lost income, and other losses.
We also look closely at the policy itself. UM/UIM claims involve coverage elections made when the policy was purchased, possible offsets for amounts paid by the at-fault driver's limited insurance, and notice requirements to your insurer. We review all applicable policies, including any that might stack or apply through a household member, and we handle communications with the carrier so your claim is positioned fairly from the start.
What We Use to Prove Fault and Damages
Because UM/UIM claims require proof of the underlying collision, we treat the fault investigation the same way we would in any crash case. That means police reports from Florence Police Department or the Fremont County Sheriff's Office, witness accounts, photos of vehicle damage and the scene, and any available data about how the collision happened. If there's a dispute about who caused the crash, this evidence becomes the foundation of your UM/UIM claim.
On the damages side, we compile medical records tied to treatment, such as care received at CommonSpirit St. Thomas More Hospital in Cañon City, along with wage loss documentation and records of other out-of-pocket costs. Your insurer will conduct its own evaluation of the claim, and we prepare a thorough presentation of your losses to counter a low internal estimate. We also track notice deadlines and policy requirements so the claim isn't delayed or denied on a technicality.
- Police report and the responding officer's contact information
- Your own auto insurance policy, including declarations pages
- Photos of the crash scene, vehicles, and visible injuries
- Medical records and bills from all treatment providers
- Pay records showing missed work or lost income
Handling UM/UIM Claims Around Florence and Fremont County
Florence sits along Colorado Highway 67 near its junction with Highway 115, and we see uninsured driver crashes on these routes as well as on Main Street and East 3rd Street. Drivers coming through from Penrose, Rockvale, Coal Creek, and Williamsburg add to local traffic, and not everyone on the road carries adequate insurance. When that happens, your own UM/UIM coverage may be the path to recovery.
If a lawsuit becomes necessary as part of resolving the claim, it would typically proceed through Fremont County Combined Courts in Cañon City. We handle the claim process and any related litigation, so you can focus on recovering while we deal with your insurer and build the record needed to support full value for your losses.
Losses We Document in UM/UIM Claims
- Medical expenses from the crash and ongoing care
- Lost wages and reduced earning capacity
- Pain, suffering, and physical impairment
- Property damage not fully covered by the at-fault driver's policy
- Out-of-pocket costs tied to your recovery
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 Uninsured Motorist Accident Lawyers FAQ
What if the other driver has no insurance at all?
If the at-fault driver is completely uninsured, your uninsured motorist coverage may apply if you carry it. We still have to prove that driver caused the crash and establish the value of your damages, just as we would in any other claim.
What is the difference between uninsured and underinsured motorist coverage?
Uninsured motorist coverage applies when the at-fault driver has no insurance at all. Underinsured motorist coverage applies when the at-fault driver has some insurance, but their limits aren't enough to cover your full losses.
Will my own insurance company fight my UM/UIM claim?
It's possible. Even though you're making a claim under your own policy, your insurer still evaluates the claim and may dispute fault or the value of your damages. We prepare the same thorough proof we would use against an at-fault driver's insurer.
Do I need to notify my insurance company quickly after the crash?
Your policy will have notice requirements, and we help make sure those are met so your claim isn't jeopardized. We review your specific policy language as part of handling the claim.
Can I still recover if the at-fault driver had some insurance but not enough?
Yes. That's what underinsured motorist coverage is for. We help identify the at-fault driver's policy limits, pursue what's available there, and then pursue the difference through your own UIM coverage if your damages exceed those limits.
Discuss a Florence crash
Free consultation. No attorney fee unless we recover for you.