Jefferson County · Uninsured and underinsured motorist
Lakewood Motorcycle UM/UIM Lawyers
Lakewood motorcycle um/uim lawyers for riders hurt in Lakewood. Free consultation. No fee unless we recover for you.
When the Other Driver Can't Pay
McCormick & Murphy are Lakewood motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance.
Motorcycle crashes on roads like West Colfax Avenue, Wadsworth Boulevard, and Kipling Street sometimes involve a driver who has no liability insurance at all, or who carries limits far too low to cover a rider's injuries. When that happens, the rider's own policy may come into play through uninsured motorist (UM) or underinsured motorist (UIM) coverage, if the policy includes it.
Whether coverage applies, and how much, depends entirely on the language of the rider's own policy. Some motorcycle policies include UM or UIM coverage, some do not, and the terms vary by carrier and by policy. We review the policy itself before telling a client what may be available.
A UM/UIM claim is still a claim against an insurance company, and insurers do not always offer what a case is worth on the first pass. We push back on offers that don't match the injuries and losses a rider actually sustained.
Building the UM/UIM Claim
To support a UM/UIM claim, we gather the same kind of proof needed in any injury case: the police report, statements from witnesses to the collision, photos of the scene and the bike, and medical records tied to the crash. We also work to confirm the at-fault driver's insurance status, since that's often the trigger for UM/UIM coverage in the first place.
We also pull the rider's own policy and any related documents to understand exactly what coverage exists and what conditions apply. Riders treated at facilities such as CommonSpirit St. Anthony Hospital should keep copies of their records and bills, since these help establish the value of the claim against the rider's own insurer.
- A copy of your own motorcycle insurance policy
- The police report, including any notes on the other driver's insurance
- Medical records and bills from treatment after the crash
- Photos of the bike, gear, and accident scene
- Any correspondence with your own insurance company about the claim
Lakewood Riders and Jefferson County Claims
Riders in Lakewood, Golden, and Wheat Ridge travel corridors where traffic from West Colfax Avenue and Wadsworth Boulevard can put motorcycles in contact with drivers who turn out to be uninsured or underinsured. When that happens close to home, a UM/UIM claim against the rider's own policy may be the path to fair compensation.
If a UM/UIM claim needs to go to court, Jefferson County Courts in Golden is the local venue. We handle these claims for riders throughout the Lakewood area, working from our Denver office.
What a UM/UIM Claim May Cover
- Medical treatment tied to the crash
- Ongoing or future medical care
- Lost income from time away from work
- Pain and suffering
- Damage to the motorcycle and gear
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Lakewood — 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.
Lakewood Motorcycle UM/UIM Lawyers FAQ
Do I need Lakewood motorcycle um/uim lawyers after a crash?
Call Lakewood 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 include UM or UIM coverage?
No. Coverage depends on the specific policy a rider carries, and not every policy includes UM or UIM protection. We review the policy language to determine what's actually available.
What if the at-fault driver has some insurance, just not enough?
That's an underinsured motorist situation. If the at-fault driver's liability limits don't cover the rider's losses, the rider's own UIM coverage, if it exists, may make up some of the difference.
My own insurer denied my UM claim. Does that mean they acted in bad faith?
Not automatically. A denial or a low offer isn't the same as bad faith. For more on how we evaluate whether a carrier handled a claim improperly, see our insurance bad-faith page.
Is there a strict deadline to notify my insurer of a UM/UIM claim?
Insurers generally require notice within some timeframe set by the policy, but we don't want you relying on guesswork. Contact us promptly so we can review your policy and handle notice correctly.
Do I need a lawyer to pursue a UM/UIM claim against my own insurer?
You're allowed to handle it yourself, but your insurer's adjuster is working to limit what they pay. We help riders in Lakewood understand their coverage and pursue the full value of these claims.
Discuss a Lakewood motorcycle crash
Free consultation. No attorney fee unless we recover for you.