El Paso County · Uninsured and underinsured motorist
Fountain Motorcycle UM/UIM Lawyers
Fountain motorcycle um/uim lawyers for riders hurt in Fountain. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Can't Pay
McCormick & Murphy are Fountain 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.
Some drivers on Mesa Ridge Parkway, Fountain Mesa Road, and U.S. Highway 85 carry no liability insurance at all, or carry limits far too low to cover a serious motorcycle injury. When that happens, the rider's own policy may come into play through uninsured motorist coverage or underinsured motorist coverage. Whether that coverage applies, and how much is available, depends entirely on the specific policy language.
Not every motorcycle policy includes UM or UIM coverage. Some riders opted out or never had it added. We review the policy itself before telling a client what may or may not be available, because guessing at coverage before reading the actual terms does not help anyone.
If the at-fault driver had some insurance but not enough to cover the injuries from a crash, underinsured motorist coverage can sometimes fill the gap between what the at-fault driver's policy pays and what the claim is actually worth. Again, this depends on the rider's own policy terms and limits.
Building the UM/UIM Claim
A UM or UIM claim starts with the policy. We request and review the declarations page and full policy language to understand what coverage exists, what conditions apply, and what the insurer requires from the claimant. From there, we build the injury claim the same way we would against any at-fault driver: medical records, treatment history, and documentation connecting the crash to the harm.
Crash scene evidence still matters even when the claim runs through the rider's own insurer. Photos, witness accounts, and police reports from the Fountain area help establish how the collision happened and support the value of the claim being made against the UM or UIM carrier.
- Your own auto and motorcycle insurance policy documents
- The police report identifying the at-fault driver's insurance status
- Photos of the crash scene and vehicle damage
- Medical records from any treatment, including care at facilities like UCHealth Memorial Hospital Central
- Any written communication with your insurance company about the claim
Handling Fountain UM/UIM Claims
Fountain riders traveling through Security-Widefield or into Colorado Springs face real exposure to uninsured drivers on busy corridors like U.S. Highway 85. When a crash happens with a driver who has no coverage or not enough, the claim often ends up filed in El Paso County Combined Courts if a resolution can't be reached with the insurer directly.
We meet with Fountain clients from our Colorado Springs office at 929 W Colorado Ave. A low settlement offer or a denial from your own insurer is not automatically bad faith, but we look closely at how the claim was handled and can point you to more on that topic if it becomes relevant to your case.
What a UM/UIM Claim May Cover
- Medical treatment and rehabilitation costs
- Lost income from time away from work
- Pain and suffering tied to the injury
- Property damage to the motorcycle
- Future medical care related to the crash
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Fountain — 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.
Fountain Motorcycle UM/UIM Lawyers FAQ
Do I need Fountain motorcycle um/uim lawyers after a crash?
Call Fountain 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. Some riders have this coverage and some have declined it or never added it. We review your actual policy to see what applies.
What if the at-fault driver had some insurance but not enough?
That is where underinsured motorist coverage can come in, if your policy includes it. It may help cover the gap between what their insurer pays and the actual value of your claim.
Is a low offer from my own insurer considered bad faith?
Not automatically. A low offer or even a denial can happen for legitimate reasons. We look at how the insurer handled the claim and can walk you through what that means for your situation.
Do I still need evidence from the crash scene if I'm filing a UM claim?
Yes. Photos, witness information, and the police report still matter because they help establish how the crash happened and support the value of your claim against your own insurer.
Where would a UM/UIM dispute be handled if it can't be resolved?
For Fountain-area riders, that often means El Paso County Combined Courts, depending on the specifics of the case and the policy involved.
Discuss a Fountain motorcycle crash
Free consultation. No attorney fee unless we recover for you.