Arapahoe County · Uninsured and underinsured motorists
Greenwood Village Uninsured and underinsured motorists Lawyers
Greenwood Village uninsured and underinsured motorist lawyers. Free consultation. No fee unless we recover for you.
How Uninsured and Underinsured Motorist Claims Work
McCormick & Murphy are Greenwood Village uninsured motorist accident lawyers for people hurt in Greenwood Village. We get the Greenwood Village Police Department report, the HCA HealthONE Swedish or Sky Ridge Medical Center records, and file in Arapahoe County Justice Center.
A UM/UIM claim comes into play when the driver who caused your crash has no insurance or doesn't carry enough liability coverage to pay for your injuries. In that situation, you turn to your own policy's uninsured or underinsured motorist coverage. It is still your insurance company you are dealing with, but the claim is not automatic just because coverage exists.
Even though you are filing against your own policy, you still have to prove the other driver caused the crash and prove the full value of your losses. Your own insurer will scrutinize liability and damages just as a third-party carrier would, sometimes more closely, because any amount they pay comes directly from their own reserves. We build the fault case and the damages case as if we were pursuing the at-fault driver directly, then present that proof to your UM/UIM carrier.
These claims also involve layers that don't come up in a standard liability claim: identifying every policy that might apply, understanding how your coverage limits and any underlying liability payment interact, and accounting for offsets the insurer may try to apply. We walk through your policy and the facts of your crash to figure out what coverage is available and how to pursue it.
What We Gather to Support Your UM/UIM Claim
We start with the same proof needed in any fault-based crash claim: the police report, witness accounts, photos, and any available documentation of how the collision happened. Because your own insurer will evaluate fault just as a liability carrier would, we don't skip this step simply because the claim is first-party. We also confirm the other driver's insurance status, since that confirmation is what triggers UM/UIM coverage in the first place.
On the damages side, we compile medical records and bills, documentation of missed work and wage loss, and any other proof of how the crash affected your life. We also review your policy declarations and any other policies that might apply, such as household or employer coverage, and send required notice to your carrier. All of this goes into the file we use to negotiate with the UM/UIM adjuster, who will evaluate the claim much like any insurance company evaluates an injury claim.
- Report the crash to police and get a copy of the report
- Find out whether the other driver had insurance and how much
- Notify your own insurance company of the crash and potential UM/UIM claim
- Keep all medical records, bills, and proof of missed work
- Locate your auto policy and any other policies that might provide coverage
Handling UM/UIM Claims From Greenwood Village
Greenwood Village sees crashes on busy corridors like I-25, Belleview Avenue, Orchard Road, and University Boulevard, where traffic moves fast and uninsured or underinsured drivers are sometimes involved. When the Greenwood Village Police Department responds to a crash on these roads, their report becomes a key piece of evidence for establishing fault, even when the claim ends up being filed against your own insurer instead of the other driver's.
We also work with clients from nearby Centennial, Englewood, Cherry Hills Village, Denver, and Lone Tree who are treating at facilities such as HCA HealthONE Swedish or Sky Ridge Medical Center. If your case needs to go to court, Arapahoe County matters are handled at the Arapahoe County Justice Center. Our office is in Denver, and we meet with clients throughout the area to review policies and build UM/UIM claims.
Losses We Help Recover in UM/UIM Claims
- Medical expenses from the crash
- Lost wages and reduced earning capacity
- Pain and suffering
- Future medical care related to your injuries
- Property damage not otherwise covered
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 Uninsured Motorist Accident Lawyers FAQ
Do I still need to prove the other driver was at fault in a UM/UIM claim?
Yes. Even though you are filing with your own insurance company, you still have to show the other driver caused the crash. Your insurer will evaluate fault and damages much like a liability carrier would before paying a UM/UIM claim.
What's the difference between uninsured and underinsured motorist coverage?
Uninsured motorist coverage applies when the at-fault driver has no insurance at all. Underinsured motorist coverage applies when the at-fault driver has some insurance, but their limits aren't enough to cover your full losses.
Will my own insurance rates go up if I file a UM/UIM claim?
This depends on your insurer and policy, and it's a fair question to raise directly with your agent or carrier. We focus on building the strongest possible claim for your losses and can discuss this concern as part of your overall case.
What if there are multiple policies that might cover my crash?
Some people have more than one applicable policy, such as their own auto policy plus a policy through a household member or employer. We review all potential coverage sources to determine what applies to your situation.
Do I have to go through my insurance company's process without a lawyer?
No. You can have an attorney represent you when dealing with your own insurer on a UM/UIM claim, just as you would with any other insurance company. We handle the communication, documentation, and negotiation on your behalf.
Discuss a Greenwood Village crash
Free consultation. No attorney fee unless we recover for you.