Boulder County · Uninsured and underinsured motorist
Lafayette Motorcycle UM/UIM Lawyers
Lafayette motorcycle um/uim lawyers for riders hurt in Lafayette. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Can't Pay
McCormick & Murphy are Lafayette motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Boulder County Justice Center.
Motorcycle crashes on roads like Baseline Road, South Boulder Road, and U.S. Highway 287 often involve drivers who never saw the rider coming. Some of these drivers carry no liability insurance at all. Others carry limits that fall far short of what a serious motorcycle injury actually costs. Either way, the rider is left looking for another source of recovery.
That source may be the rider's own policy, through uninsured motorist or underinsured motorist coverage. Whether that coverage applies, and how much is available, depends entirely on the specific policy language. We do not assume every motorcycle policy in Colorado includes UM or UIM coverage, and we will not guess at a dollar figure until we have read your policy.
We review the at-fault driver's coverage, your own policy, and any household or resident-relative provisions that might extend coverage. Then we build the claim around what the policy actually says, not around what a rider hopes it says.
Building the UM/UIM File
A UM or UIM claim still requires proof that the crash caused your injuries and that the at-fault driver was responsible. We gather the police report, scene photos, witness statements, and treatment records from providers such as Intermountain Health Good Samaritan Hospital to document what happened and how it affected you. We also confirm the at-fault driver's insurance status early, since that determines which type of claim you're pursuing.
Your own insurer will scrutinize a UM or UIM claim closely, sometimes more closely than a claim against a stranger's policy. A low offer or an initial denial does not automatically mean the carrier acted in bad faith. If you believe your insurer mishandled your claim, our insurance bad-faith page covers how we evaluate that separately.
- Get the other driver's name and any insurance information available, even if it looks incomplete
- Request a copy of the police report once it's filed
- Locate your own auto or motorcycle policy declarations page
- Keep records of all medical treatment tied to the crash
- Avoid giving a recorded statement to any insurer before speaking with us
Serving Riders in Lafayette and Boulder County
We work with riders across Lafayette, Louisville, and Boulder, including crashes near the Baseline Road and South Boulder Road corridors and along U.S. Highway 287. These routes see a mix of local traffic and commuters, and coverage gaps show up often when an at-fault driver turns out to be uninsured or underinsured.
If your claim requires litigation, Boulder County cases are filed at the Boulder County Justice Center. Our office is based in Denver, and we handle UM and UIM claims for Lafayette riders whether the matter resolves with the insurer directly or requires a court filing.
What UM/UIM Coverage May Address
- Medical bills beyond what the at-fault driver's limits can pay
- Future medical care tied to the crash
- Lost income during recovery
- Pain and physical impairment from the injury
- 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 Lafayette — 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.
Lafayette Motorcycle UM/UIM Lawyers FAQ
Do I need Lafayette motorcycle um/uim lawyers after a crash?
Call Lafayette 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.
What if the driver who hit me had no insurance at all?
In that situation, your own uninsured motorist coverage may apply, if your policy includes it. We start by reviewing your policy's declarations and terms to see what coverage exists and how it applies to your crash.
What if the other driver had insurance, but not enough?
That's an underinsured motorist situation. Once the at-fault driver's liability limits are confirmed, we look at whether your own UIM coverage can make up the difference, based on your specific policy language.
Does every motorcycle policy include UM or UIM coverage?
No. Coverage varies by policy, and some riders decline it or carry different limits than they realize. We review your actual policy rather than assume what it includes.
My insurer offered me very little. Is that bad faith?
Not automatically. A low offer can happen for several reasons during claim evaluation. If you're concerned about how your insurer handled your claim, our insurance bad-faith page explains how we look into that separately.
Do I need to notify my insurer about a UM or UIM claim?
Yes, insurers generally require notice of a potential claim, and policy terms control how and when that should happen. We can help you handle that notice properly once we've reviewed your policy.
Discuss a Lafayette motorcycle crash
Free consultation. No attorney fee unless we recover for you.