Arapahoe, Jefferson, and Douglas counties · Uninsured and underinsured motorist
Littleton Motorcycle UM/UIM Lawyers
Littleton motorcycle um/uim lawyers for riders hurt in Littleton. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Can't Pay
McCormick & Murphy are Littleton motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance.
Motorcycle crashes often leave riders with serious injuries, and sometimes the driver who caused the crash has no liability insurance at all, or carries limits too low to cover what the rider actually needs. In that situation, the rider's own policy may have uninsured motorist or underinsured motorist coverage that can step in. Whether that coverage applies, and how much is available, depends entirely on the specific policy language.
We read the policy closely before telling a client what to expect. Some motorcycle policies include UM or UIM coverage, some exclude it, and terms vary from one insurer to the next. There is no shortcut around actually reviewing the declarations page and the policy provisions for the rider's own coverage.
A rider pursuing a UM or UIM claim is often dealing with their own insurance company, not the at-fault driver's carrier. That relationship can feel different, but the insurer still has an obligation to evaluate the claim fairly based on the injuries and the policy terms.
What We Look At
We start with the policy itself: what coverage exists, what limits apply, and what conditions or exclusions might come into play. We also gather the same crash evidence used in any injury claim, including the police report, photos, witness statements, and medical records showing the extent of the rider's injuries, because that documentation is what supports the value of a UM or UIM claim.
If the at-fault driver has no coverage, we also look at whether there's any other insurance in the picture, such as a policy tied to a vehicle owner or another party connected to the crash. Every avenue for compensation matters when the driver who caused the wreck can't cover it.
- Get a copy of your own auto or motorcycle insurance policy
- Save the police report and any note about the other driver's insurance status
- Keep all medical records and bills tied to the crash
- Avoid giving a recorded statement to any insurer before speaking with us
- Report the crash to your own insurer promptly
Littleton Riders and UM/UIM Claims
We've talked with riders hurt in crashes along Santa Fe Drive, Bowles Avenue, and South Broadway, as well as in nearby Englewood and Highlands Ranch, where an uninsured or underinsured driver left them without a clear path to compensation. Many of these riders were treated at AdventHealth Littleton, and their medical records from that care become part of the evidence supporting a UM or UIM claim.
A case involving a Littleton crash can end up in the district court for the county where the injury occurred, which may mean Arapahoe, Jefferson, or Douglas County depending on exactly where the collision happened. We work with clients throughout this area from our Denver office.
What a UM/UIM Claim May Cover
- Medical treatment for motorcycle crash injuries
- Future medical care tied to the crash
- Lost income during recovery
- Pain and physical limitation from the injuries
- Property damage to the motorcycle, where applicable
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Littleton — 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.
Littleton Motorcycle UM/UIM Lawyers FAQ
Do I need Littleton motorcycle um/uim lawyers after a crash?
Call Littleton 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 my motorcycle policy automatically include UM or UIM coverage?
Not necessarily. Coverage depends on the specific policy, and some motorcycle policies exclude UM or UIM coverage entirely. We review the policy language to see what applies to your situation.
What if the at-fault driver has some insurance, but not enough?
That's an underinsured motorist situation. If the at-fault driver's liability limits don't cover your injuries, your own UIM coverage may be able to make up part of the difference, depending on your policy.
Am I filing a claim against myself if I use my own UM/UIM coverage?
No, but you are dealing with your own insurance company rather than the at-fault driver's insurer. That company still has to evaluate your claim fairly based on the facts and your policy terms.
What if my insurer denies my UM/UIM claim or offers very little?
A denial or low offer isn't automatically bad faith, but it's worth having the claim reviewed. If you want to understand how your insurer handled your claim, our insurance bad-faith page covers that topic in more detail.
What should I do first if the other driver had no insurance?
Pull out your own policy and see what coverage you have, gather your crash documentation, and talk with us before giving a recorded statement to any insurance company. We can help you understand what your policy actually provides.
Discuss a Littleton motorcycle crash
Free consultation. No attorney fee unless we recover for you.