Jefferson County · Uninsured and underinsured motorist
Golden Motorcycle UM/UIM Lawyers
Golden motorcycle um/uim lawyers for riders hurt in Golden. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Can't Cover Your Injuries
McCormick & Murphy are Golden motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance.
In many Golden crashes, the driver who caused the wreck either has no liability insurance or carries limits far below what a motorcycle rider's injuries actually cost. When that happens, a rider's own uninsured motorist (UM) or underinsured motorist (UIM) coverage may come into play, if the policy provides it. The exact terms of the policy control whether and how much coverage applies.
UM and UIM claims are not automatic. We review the rider's policy language closely to determine what coverage exists, what conditions apply, and how the insurer is likely to interpret disputed terms. Every policy is different, so we do not assume a rider has this coverage until we have read the actual document.
These claims can turn into a dispute with the rider's own insurance company, which puts riders in the odd position of negotiating against the carrier they pay premiums to. We handle that negotiation and, when necessary, pursue the claim through Jefferson County Courts to get a fair resolution.
Building the UM/UIM Claim
A UM or UIM claim starts with proving the at-fault driver's liability and the extent of the rider's damages, just as in any other motorcycle case. We gather the police report, witness statements, and information about the other driver's insurance status, or lack of it, from crash sites along Washington Avenue, West Colfax Avenue, and Colorado Highway 93. Medical records from providers such as CommonSpirit St. Anthony Hospital in Lakewood help establish the full scope of injuries and treatment.
We also review the rider's own insurance policy for coverage terms, conditions, and any notice requirements the carrier may raise. If a carrier denies a claim or offers less than the injuries warrant, that alone does not mean the company acted in bad faith. We look at how the claim was handled and, when the conduct crosses a line, we point riders to our insurance bad-faith resources for what that separate process involves.
- Get a copy of your own motorcycle insurance policy, including the declarations page
- Report the crash to your insurer promptly and keep records of that contact
- Save all medical bills and records tied to the crash
- Get the police report and any information on the at-fault driver's insurance status
- Keep copies of every letter or email from your insurance company
Golden and Jefferson County UM/UIM Claims
Golden sits along busy corridors like Washington Avenue and West Colfax Avenue, and riders also travel Colorado Highway 93 connecting toward Boulder County, as well as routes into Lakewood and Arvada. Crashes on these roads sometimes involve drivers with no insurance or minimal coverage, leaving injured riders to rely on their own policies.
We handle UM and UIM claims for Golden riders through Jefferson County Courts when a resolution with the insurer can't be reached directly. Our office is based in Denver, and we work throughout the Jefferson County area for riders dealing with an uninsured or underinsured driver.
What a UM/UIM Claim May Cover
- Medical treatment and ongoing care costs
- Lost income from time away from work
- Pain and suffering
- Property damage to the motorcycle and gear
- Future medical needs tied to the crash
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Golden — 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.
Golden Motorcycle UM/UIM Lawyers FAQ
Do I need Golden motorcycle um/uim lawyers after a crash?
Call Golden 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 every motorcycle policy include UM or UIM coverage?
No. Coverage depends entirely on the specific policy a rider purchased. We review the actual policy language to determine what, if any, UM or UIM coverage applies before advising a rider on next steps.
What happens if the at-fault driver has no insurance at all?
If the other driver is uninsured, a rider's own UM coverage, if the policy includes it, may provide a path to recovery. We evaluate the policy terms and the driver's insurance status to determine what options exist.
Is a low settlement offer from my own insurer automatically bad faith?
Not automatically. A low offer or even a denial can be part of normal claims handling. We look closely at how the insurer processed the claim, and if the conduct raises concerns, we can walk through what a bad-faith claim would involve separately.
Do I need to notify my insurer right away after a crash?
Policies typically require some form of notice, though the exact timing depends on your policy language. We recommend contacting your insurer as soon as reasonably possible and keeping a record of that communication.
Can I pursue a UM/UIM claim and a claim against the at-fault driver at the same time?
In some cases, yes, particularly when the at-fault driver has some insurance but not enough to cover the injuries. We evaluate both the liability claim and the underinsured motorist claim together to pursue full recovery.
Discuss a Golden motorcycle crash
Free consultation. No attorney fee unless we recover for you.