Arapahoe County · Uninsured and underinsured motorist
Greenwood Village Motorcycle UM/UIM Lawyers
Greenwood Village motorcycle um/uim lawyers for riders hurt in Greenwood Village. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Can't Pay
McCormick & Murphy are Greenwood Village motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Arapahoe County Justice Center.
Motorcycle crashes on roads like Orchard Road and Belleview Avenue often involve a driver who has no liability insurance at all, or whose limits fall far short of what a serious rider injury actually costs. When that happens, the driver's insurance simply isn't enough to cover the claim, and riders need another source of recovery.
That other source is often the rider's own policy, if it includes uninsured motorist (UM) or underinsured motorist (UIM) coverage. This coverage steps in to pay for injuries the at-fault driver caused but cannot cover. Whether it applies, and how much is available, depends entirely on the specific policy language in that rider's contract.
We review the policy, the at-fault driver's coverage or lack of it, and the rider's medical treatment to determine what a UM or UIM claim is worth. Filing this type of claim means dealing with the rider's own insurer directly, which can create its own friction even when the coverage is clear.
Building the UM/UIM Claim
A strong UM/UIM claim starts with confirming the at-fault driver's insurance status. We pull the police report from the crash, request confirmation of liability coverage or the lack of it, and document the gap between what that driver can pay and what the rider's injuries require.
From there, the claim depends on the same medical and financial proof used in any injury case: treatment records, imaging, bills, and documentation of how the injury has affected the rider's life. Riders treated at facilities such as HCA HealthONE Swedish or Sky Ridge Medical Center should keep copies of all records and follow-up care, since those records support the value of the UM or UIM claim submitted to the rider's own insurer.
- Police report noting the at-fault driver's insurance status
- Your own motorcycle insurance policy and declarations page
- All medical records and bills from treatment
- Photos of the crash scene, bike damage, and injuries
- Any written communication with your insurance company about the claim
Handling UM/UIM Claims Near Greenwood Village
Motorcycle crashes involving uninsured or underinsured drivers happen throughout the Greenwood Village area, from University Boulevard to the roads bordering Englewood and Cherry Hills Village. When a crash occurs in Arapahoe County and the case requires litigation, that generally means the Arapahoe County Justice Center, though most UM/UIM claims are resolved directly with the rider's insurer before a lawsuit is needed.
Our office is based in Denver, and we work with riders throughout Greenwood Village and the surrounding Arapahoe County communities on these claims. If your insurer denies the claim outright or offers far less than the injuries justify, that's a separate issue from whether coverage exists in the first place, and it's worth understanding how the carrier handled your claim.
What a UM/UIM Claim Can Cover
- Medical bills and future treatment costs
- Lost income from time away from work
- Pain and suffering
- Reduced ability to work or enjoy daily activities
- Property damage to the motorcycle, depending on policy terms
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Greenwood Village — 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.
Greenwood Village Motorcycle UM/UIM Lawyers FAQ
Do I need Greenwood Village motorcycle um/uim lawyers after a crash?
Call Greenwood Village 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 in Colorado include UM or UIM coverage?
Not automatically. Whether UM or UIM coverage applies depends on the specific policy the rider purchased. We review the policy language to determine what coverage exists and how it applies to the crash.
What's the difference between UM and UIM coverage?
UM coverage applies when the at-fault driver has no insurance at all. UIM coverage applies when the at-fault driver has insurance, but the limits are too low to cover the rider's injuries.
My insurance company denied my UM claim. Does that mean they acted in bad faith?
Not necessarily. A denial or a low offer isn't automatically bad faith, though it can be depending on how the carrier handled the claim. See our insurance bad-faith page for more on evaluating how an insurer processed a claim.
Do I need to notify my insurer quickly after a crash with an uninsured driver?
Policies typically require some form of notice to the insurer, and the specific requirements are set out in the policy itself. We can review your policy and help you understand what's required.
What if the at-fault driver fled the scene?
A hit-and-run driver is effectively an uninsured driver for claim purposes, since their insurance status is unknown or unconfirmed. This is a common scenario where a rider's own UM coverage becomes important.
Discuss a Greenwood Village motorcycle crash
Free consultation. No attorney fee unless we recover for you.