Larimer County · Uninsured and underinsured motorist
Fort Collins Motorcycle UM/UIM Lawyers
Fort Collins motorcycle um/uim lawyers for riders hurt in Fort Collins. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Can't Pay
McCormick & Murphy are Fort Collins motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Larimer County Justice Center.
Motorcycle crashes on roads like College Avenue and Harmony Road sometimes involve a driver who carries no liability insurance at all, or whose limits fall far short of what the rider's injuries actually cost. When that happens, the rider's own policy may come into play through uninsured motorist coverage, or underinsured motorist coverage if the at-fault driver has some insurance but not enough.
Whether that coverage applies, and how much is available, depends entirely on the language in the rider's own policy. Not every motorcycle policy includes UM or UIM coverage, and policies vary widely in how they define and limit it. We review the policy itself before telling a client what to expect.
These claims are different from a standard liability claim because the rider is now dealing with their own insurer, not the at-fault driver's. That relationship comes with its own rules, its own paperwork, and its own friction points that we help clients work through.
Building the UM/UIM Claim
A UM or UIM claim still requires proof of fault and proof of damages, the same as any other motorcycle claim. We gather the police report, scene evidence, and medical records from providers such as UCHealth Poudre Valley Hospital to document what happened and how the rider was hurt.
We also review the insurance policy closely, including any notice requirements and the process the carrier expects a claimant to follow. Missing a step in that process can complicate a claim, so we help clients understand what their insurer needs and when to provide it.
- Get a copy of your own motorcycle insurance policy
- Report the crash to your insurer promptly
- Keep the police report and any at-fault driver insurance information
- Save all medical records and bills from treatment
- Avoid accepting a quick settlement before the claim is fully evaluated
Fort Collins and Larimer County
We handle UM and UIM claims for riders across Fort Collins and surrounding areas including Loveland and Wellington, where uninsured drivers on routes like Mulberry Street can leave a rider without a clear path to recovery from the other driver alone.
If a UM or UIM claim leads to a dispute or lawsuit, filings connected to Larimer County may proceed through the Larimer County Justice Center. Our office is based in Denver, and we work with Fort Collins clients by phone, video, and in person as needed.
What UM/UIM Coverage May Address
- Medical expenses beyond what the at-fault driver's insurance covers
- Future medical care tied to the crash injuries
- Lost income from time away from work
- Pain and suffering
- Other losses tied directly to the crash
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Fort Collins — 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.
Fort Collins Motorcycle UM/UIM Lawyers FAQ
Do I need Fort Collins motorcycle um/uim lawyers after a crash?
Call Fort Collins 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 terms vary from one policy to the next. We review the policy language before advising a client on what may be available.
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.
Is a low settlement offer from my own insurer a sign of bad faith?
Not automatically. A low offer or even a denial can happen for legitimate reasons tied to policy terms or disputed facts. If you think your insurer mishandled your claim, our insurance bad-faith page covers that topic in more detail.
Do I need to notify my insurer right away after the crash?
Most policies require notice, though the exact timing requirement depends on the policy itself. We help clients understand what their specific policy requires so they don't jeopardize the claim.
Can I still pursue a UM/UIM claim if the at-fault driver fled the scene?
A hit-and-run situation is one of the more common reasons riders turn to their own uninsured motorist coverage. The claim still needs to be documented carefully, including the police report and any available evidence from the scene.
Discuss a Fort Collins motorcycle crash
Free consultation. No attorney fee unless we recover for you.