Douglas County · Uninsured and underinsured motorist
Highlands Ranch Motorcycle UM/UIM Lawyers
Highlands Ranch motorcycle um/uim lawyers for riders hurt in Highlands Ranch. Free consultation. No fee unless we recover for you.
When the At-Fault Driver's Insurance Isn't Enough
McCormick & Murphy are Highlands Ranch motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Douglas County Justice Center.
Not every driver on the road carries enough insurance to cover a motorcycle rider's injuries. Some carry none at all. When that happens on roads like C-470 or University Boulevard, the rider is often left looking to their own policy for help, through uninsured motorist (UM) or underinsured motorist (UIM) coverage.
Whether that coverage applies, and how much is available, depends entirely on the language of the rider's own policy. We read the policy closely to understand what coverage exists, what conditions apply, and what the insurer is required to do with a UM or UIM claim.
A UM or UIM claim is different from a claim against the at-fault driver. Here, the rider's own insurance company is the one deciding whether to pay, which means the claim has to be built and presented carefully from the start.
Building the UM/UIM Claim
We start by confirming whether the at-fault driver had no insurance or insufficient limits, then turn to the rider's policy to see what UM or UIM coverage may apply. That means gathering the crash report, medical records tied to treatment at facilities like UCHealth Highlands Ranch Hospital, and documentation of how the injuries affect the rider going forward.
From there we present the claim to the insurer with the medical and financial support needed to justify the value being sought. If the insurer denies the claim or offers far less than the injuries warrant, that is not automatically bad faith, but it is worth a closer look. For more on how we evaluate carrier conduct, see our insurance bad-faith page.
- Your own auto and motorcycle insurance policy documents
- The police report identifying the at-fault driver's insurance status
- Photos of the scene, both vehicles, and your motorcycle
- All medical records and bills tied to the crash
- Any correspondence with your own insurer about the claim
Highlands Ranch and Douglas County
Riders throughout Highlands Ranch, Lone Tree, and Littleton travel corridors like Highlands Ranch Parkway and C-470 daily. When a crash on these roads involves a driver with no insurance or too little of it, the rider's UM/UIM claim often gets filed and litigated locally, including at the Douglas County Justice Center if a dispute goes that far.
We work with clients from Highlands Ranch and the surrounding Douglas County communities from our Denver, CO office, gathering the records and documentation needed to support a UM or UIM claim from the start.
What a UM/UIM Claim May Cover
- Medical expenses tied to the crash
- Future medical care and rehabilitation needs
- Lost income from time away from work
- Pain and suffering
- Property damage to the motorcycle and gear
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Highlands Ranch — 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.
Highlands Ranch Motorcycle UM/UIM Lawyers FAQ
Do I need Highlands Ranch motorcycle um/uim lawyers after a crash?
Call Highlands Ranch 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.
How do I know if I have UM or UIM coverage on my motorcycle policy?
It depends on your specific policy language, so we review your declarations page and policy terms directly. Not every motorcycle policy includes this coverage, and limits vary widely. We can tell you what your policy provides after looking at it.
What's the difference between UM and UIM coverage?
UM coverage generally 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. Both come from the rider's own policy, not the at-fault driver's.
Is my own insurance company on my side in a UM/UIM claim?
Your insurer has a duty to handle your claim in good faith, but that doesn't mean every offer will match what you believe the claim is worth. A low offer or initial denial isn't automatically bad faith. We evaluate how the claim was handled and can advise you on next steps.
What if the at-fault driver has some insurance, just not enough?
That's a UIM situation. Once the at-fault driver's liability limits are exhausted or accounted for, your own UIM coverage may apply to make up the difference, depending on your policy terms. We help determine what's available and how to pursue it.
Do I need to notify my insurer right away after a crash with an uninsured driver?
You should notify your insurer promptly, though we won't state a specific deadline here since policy terms vary. Delaying notice can complicate a claim, so it's best to contact your insurer and speak with us as soon as possible after the crash.
Discuss a Highlands Ranch motorcycle crash
Free consultation. No attorney fee unless we recover for you.