El Paso County · Uninsured and underinsured motorist
Fort Carson Motorcycle UM/UIM Lawyers
Fort Carson motorcycle um/uim lawyers for riders hurt in Fort Carson. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Has No Insurance, or Not Enough
McCormick & Murphy are Fort Carson motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in El Paso County Combined Courts.
Riders around Fort Carson often deal with heavy traffic on Nelson Boulevard and U.S. Highway 85, where a crash with an uninsured or underinsured driver can leave serious injuries and no way to collect from the other side. When the at-fault driver carries no liability insurance, or carries limits too low to cover the rider's medical bills and losses, the rider's own uninsured or underinsured motorist coverage may come into play.
Whether that coverage applies, and how much is available, depends entirely on the language of the rider's own policy. Not every motorcycle policy includes UM or UIM coverage, and policies vary widely in how they define who is covered and under what circumstances. We review the policy closely before telling a client what to expect.
A UM or UIM claim puts the rider in the position of making a claim against their own insurer, which can feel adversarial even though the rider paid premiums for this protection. We help riders present these claims and push back when an insurer undervalues what is owed.
Building the UM/UIM Claim
A strong UM or UIM claim starts with proof that the at-fault driver was actually uninsured or underinsured, along with full documentation of the rider's injuries and losses. Crash reports, medical records from Evans Army Community Hospital or UCHealth Memorial Hospital Central, and witness accounts from the scene near Fountain or Security-Widefield all help establish the extent of harm and the gap between what the at-fault driver can pay and what the rider actually needs.
We also review the rider's own insurance policy in detail, since coverage terms and available limits vary from one policy to the next. If a carrier denies a UM or UIM claim outright, or offers far less than the injuries justify, that is not automatically bad faith, but it is worth a closer look. Our insurance bad-faith page discusses how we evaluate the way a carrier has handled a claim.
- A copy of your own auto or motorcycle insurance policy, including declarations pages
- The police report identifying the at-fault driver and their insurance status, if any
- All medical records and bills tied to the crash
- Photos of the bike, gear, and injuries
- Any correspondence with your own insurer about the claim
Handling UM/UIM Claims Near Fort Carson
Crashes involving Fort Carson-area riders often happen on corridors like Nelson Boulevard or U.S. Highway 85, feeding into Fountain, Security-Widefield, and Colorado Springs. When these crashes involve an uninsured or underinsured driver, the rider's path to recovery shifts from the at-fault driver's insurer to the rider's own policy, which changes how the claim is built and negotiated.
Our office at 929 W Colorado Ave in Colorado Springs handles UM and UIM claims for riders throughout the area, and cases can be litigated in El Paso County Combined Courts when a resolution can't be reached directly with the insurer.
What UM/UIM Coverage May Address
- Medical expenses beyond what the at-fault driver's insurance, if any, would cover
- Lost income from time away from work
- Pain and suffering from the injuries
- Future medical care tied to the crash
- Property damage to the motorcycle and gear, depending on policy terms
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Fort Carson — and read client testimonials.
A passenger suffered traumatic brain, neck, and back injuries in a Colorado Springs intersection collision. After the carrier refused a fair number, a jury awarded $295,000 including interest and costs.
El Paso County jury verdict
Prior results do not guarantee a similar outcome. Every case depends on its facts, coverage, venue, and evidence.
Fort Carson Motorcycle UM/UIM Lawyers FAQ
Do I need Fort Carson motorcycle um/uim lawyers after a crash?
Call Fort Carson 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 929 W Colorado Ave, Colorado Springs, CO 80905.
Does my motorcycle policy automatically include UM or UIM coverage?
Not necessarily. Coverage depends on the specific policy you purchased, and terms vary widely between insurers and even between policies from the same insurer. We review your policy language before advising you on what may be available.
What if the at-fault driver has some insurance, but not enough?
That is an underinsured motorist situation, where your own UIM coverage may help fill the gap between what the at-fault driver's insurer pays and what your injuries actually cost. Whether and how much depends on your policy's terms and limits.
Is a low settlement offer from my own insurer considered bad faith?
Not automatically. Insurers are allowed to evaluate claims and negotiate, but there are limits on how they handle that process. See our insurance bad-faith page for more on how we look at these situations.
Do I need to notify my insurer quickly after a crash?
You should notify your insurer promptly and follow the notice requirements in your policy. We can review your policy with you to explain what steps apply to your situation.
Can I still make a UM/UIM claim if I don't know whether the other driver had insurance?
Yes. Part of building the claim involves confirming the at-fault driver's insurance status, often through the police report or follow-up investigation. If they turn out to be uninsured or underinsured, your own coverage may apply.
Discuss a Fort Carson motorcycle crash
Free consultation. No attorney fee unless we recover for you.