Weld County · Uninsured and underinsured motorists
Greeley Uninsured and underinsured motorists Lawyers
Greeley uninsured and underinsured motorist lawyers. Free consultation. No fee unless we recover for you.
How a Greeley Uninsured/Underinsured Motorist Claim Works
McCormick & Murphy are Greeley uninsured motorist accident lawyers for people hurt in Greeley. We get the Greeley Police Department and Weld County Sheriff’s Office report, the Banner North Colorado Medical Center records, and file in Weld County Combined Courts.
When the driver who caused your crash carries no insurance, or doesn't carry enough to cover your losses, you may be able to turn to your own policy's UM/UIM coverage. This is a first-party claim, meaning you're making a claim against your own insurer rather than the at-fault driver's carrier. But don't mistake that for a simple process: your own insurer still requires proof that the other driver was at fault and that your damages are what you say they are.
That means we still build the case the way we would against any at-fault driver, establishing how the crash happened and documenting the full extent of your injuries and losses, before we ever get to the question of how much your own carrier owes. Your insurer is required to treat your claim fairly, but it is still an insurance company evaluating a claim against its own bottom line. We've seen UM/UIM carriers dispute fault, dispute the extent of injury, and undervalue claims just as an at-fault driver's insurer might.
Colorado drivers carry a mix of coverage limits, and many carry only state-minimum liability coverage, if they carry insurance at all. If you were hit by someone underinsured, your UIM coverage may fill the gap between what their policy pays and what your damages are actually worth. We review your policy, any applicable household or stacked coverage, and how offsets from the at-fault driver's payment apply before we present your claim to your insurer.
What It Takes to Prove a UM/UIM Claim
Because you still must prove the other driver caused the crash, we gather the same evidence we would in any liability case: the police report, witness statements, photos or video from the scene, and any available data showing how the collision occurred. We also confirm the at-fault driver's insurance status, or lack of it, early on, since that confirmation is often central to triggering your UM/UIM coverage in the first place.
On the damages side, we compile your medical records and bills, documentation of wage loss, and any other financial impact of the crash. We also identify every policy that may apply, including your own auto policy and any other coverage you or household members carry, and we review the terms around notice and your insurer's evaluation process so your claim is presented completely and on the right footing.
- Police report and any officer information from the scene
- Insurance information for the other driver, including any confirmation of no coverage
- Your own auto policy declarations page and UM/UIM coverage details
- Medical records and bills from treatment related to the crash
- Pay records or documentation showing missed work and lost income
Handling UM/UIM Claims From Greeley and Weld County
Crashes involving uninsured or underinsured drivers happen on Greeley roads like U.S. Highway 34, U.S. Highway 85, 10th Street, and 47th Avenue, as well as throughout the surrounding area. We work with police reports from Greeley Police Department and Weld County Sheriff's Office, along with medical records from Banner North Colorado Medical Center, to document how the crash happened and the extent of the injuries involved.
We also represent people injured in UM/UIM crashes in Evans, Windsor, Milliken, Fort Collins, and Loveland. If a dispute with your own insurer requires litigation, claims from this area may be filed in Weld County Combined Courts.
Losses We Pursue in UM/UIM Claims
- Medical expenses from the crash, past and ongoing
- Lost wages and reduced earning capacity
- Pain and suffering and loss of enjoyment of life
- Out-of-pocket costs related to treatment and recovery
- Future medical care tied to injuries from the crash
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Greeley — 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.
Greeley Uninsured Motorist Accident Lawyers FAQ
What if the other driver had no insurance at all?
If the at-fault driver is uninsured, your own UM coverage may apply, assuming you carry it on your policy. We confirm the other driver's lack of coverage and help present your claim to your insurer with the fault and damages evidence it requires.
What if the other driver had insurance but not enough?
That's an underinsured motorist, or UIM, situation. Your UIM coverage can potentially make up the difference between what the at-fault driver's insurer pays and the full value of your damages, subject to your policy's terms and any applicable offsets.
Do I still need to prove the other driver was at fault?
Yes. Even though you're making a claim against your own insurer, you still need to show the other driver caused the crash and establish the value of your losses. We gather the same evidence we would use against an at-fault driver's insurer.
Is my own insurance company on my side in a UM/UIM claim?
Your insurer has obligations to treat your claim fairly, but it is still evaluating the claim from a business standpoint. We've seen UM/UIM carriers dispute fault or the extent of injuries, so we treat these claims with the same preparation we'd use against any insurer.
What does a free consultation involve?
We'll review your policy, the facts of your crash, and the other driver's insurance status to help you understand what coverage may apply. There's no attorney fee unless we recover for you.
Discuss a Greeley crash
Free consultation. No attorney fee unless we recover for you.