Arapahoe, Jefferson, and Douglas counties · Uninsured and underinsured motorists
Littleton Uninsured and underinsured motorists Lawyers
Littleton uninsured and underinsured motorist lawyers. Free consultation. No fee unless we recover for you.
How a Littleton UM/UIM Claim Works
McCormick & Murphy are Littleton uninsured motorist accident lawyers for people hurt in Littleton. We get the Littleton Police Department report, the AdventHealth Littleton records, and file in the district court serving the county where the injury occurred.
Uninsured and underinsured motorist coverage is first-party insurance, meaning you make the claim against your own policy, or sometimes a policy covering a vehicle you were in or a household member's policy. But your insurer doesn't just pay because you were in a wreck. You still have to prove the other driver caused the crash and that your injuries and losses are real and significant, just as if you were pursuing a claim against that driver directly.
This dual burden surprises a lot of people. You're dealing with your own insurance company, the one you've paid premiums to, and yet they're positioned to dispute fault, downplay your injuries, and argue over the value of your claim. We've seen carriers push back hard on UM/UIM claims precisely because there's no at-fault driver's insurer to point to. The adjuster you're negotiating with works for the same company that will eventually pay the claim.
We handle the fault investigation, the damages presentation, and the negotiation with the UM/UIM carrier. When a fair resolution isn't offered, we're prepared to pursue the claim further. Our goal is to make sure the coverage you paid for actually protects you when the other driver couldn't or wouldn't carry enough insurance of their own.
What Strengthens a UM/UIM Case
Because you still must prove the other driver's fault, the same evidence that would support a claim against that driver matters here: the police report, witness statements, photos of the vehicles and scene, and any available dashcam or traffic camera footage from roads like C-470, Santa Fe Drive, Bowles Avenue, or South Broadway. We also need to identify every policy that might apply. That can include your own auto policy, a policy on a car you were riding in, or umbrella coverage, along with how your policy stacks or limits UM/UIM benefits.
Medical records and wage documentation carry significant weight in a UM/UIM claim because the carrier will scrutinize the extent and cause of your injuries closely. Billing records, treatment notes, and proof of missed work help establish the full value of the loss. We also look closely at any offsets the policy allows, such as reductions for liability payments already received, and we review your notice to the carrier to make sure it was properly given so the claim isn't jeopardized on a technicality.
- Report the crash to Littleton Police Department and get the report number
- Notify your own insurance carrier promptly about a possible UM/UIM claim
- Keep copies of your auto policy and any other policies that might apply
- Save medical records, bills, and documentation of missed work
- Avoid giving a recorded statement to any insurer before talking with us
Serving Littleton and Surrounding Communities
We represent injured people in Littleton and throughout Arapahoe, Jefferson, and Douglas counties, including nearby Englewood, Centennial, Highlands Ranch, Lone Tree, and Lakewood. Crashes involving uninsured or underinsured drivers happen on local roads like C-470, Santa Fe Drive, Bowles Avenue, and South Broadway, and we're familiar with how these claims are handled by carriers serving the area.
When injuries require treatment at AdventHealth Littleton or another local provider, we help gather the records needed to support your claim. If litigation becomes necessary, we're prepared to pursue the case in the district court serving the county where the injury occurred.
Losses We Pursue in UM/UIM Claims
- Medical expenses from the crash, past and future
- Lost wages and reduced earning capacity
- Pain and suffering and loss of enjoyment of life
- Out-of-pocket costs tied to your recovery
- Property damage not otherwise covered
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 Uninsured Motorist Accident Lawyers FAQ
Do I still need to prove the other driver was at fault?
Yes. UM/UIM is first-party coverage, but you must still show the other driver caused the crash and that your damages are real and significant. Your own insurer stands in the place of the uninsured or underinsured driver for purposes of evaluating the claim.
What if the other driver had some insurance, just not enough?
That's an underinsured motorist, or UIM, situation. Your policy can provide additional coverage once the at-fault driver's liability limits are exhausted, depending on your policy terms and any applicable offsets.
Will my own insurance rates go up if I file a UM/UIM claim?
We can't speak to how any specific carrier handles rating decisions. We can tell you that UM/UIM coverage exists precisely for situations like this, and you've paid premiums for that protection.
What if I'm not sure how much coverage I have?
We review your policy, and any other policies that might apply, to identify all available UM/UIM coverage. This can include coverage through a vehicle you were riding in or a policy held by a household member.
Why would I need a lawyer if I'm just dealing with my own insurance company?
Your insurer still has an incentive to minimize what it pays, and UM/UIM claims often involve disputes over fault and damages just like a claim against another driver would. We handle that negotiation and push back when the carrier's evaluation falls short.
Discuss a Littleton crash
Free consultation. No attorney fee unless we recover for you.