Douglas County · Uninsured and underinsured motorist
Lone Tree Motorcycle UM/UIM Lawyers
Lone Tree motorcycle um/uim lawyers for riders hurt in Lone Tree. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Can't Cover Your Injuries
McCormick & Murphy are Lone Tree 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 roads near Lone Tree carries enough insurance to cover a serious motorcycle injury. Some carry no liability coverage at all. When that happens, a rider's own uninsured or underinsured motorist coverage may be the source of recovery, if the rider's policy includes it and the injuries fit within its terms.
This is not automatic. Whether coverage applies, and how much, depends entirely on the specific policy language. We review the declarations page and the policy itself to see what was purchased and what conditions apply before telling a client what to expect.
A UM or UIM claim is different from a claim against another driver's insurer. It is a claim against the rider's own carrier, and that carrier has its own process, its own adjusters, and its own view of the injuries and the value of the claim.
What We Look At in a UM/UIM Claim
We start with the policy itself: the declarations page, the UM/UIM section, any exclusions, and any stacking provisions. We also gather proof that the at-fault driver was in fact uninsured or underinsured, which can include the police report from the crash and correspondence with the at-fault driver's insurer, if one exists.
Medical records and bills matter just as much here as in any other motorcycle claim, because the rider's own carrier will scrutinize the injuries and their cause. We also look at how the carrier communicates and responds throughout the claim. If a client believes their carrier is handling the claim unfairly, that is a separate issue, and we can talk about our insurance bad-faith work for more on that.
- Get a copy of your own motorcycle insurance policy and declarations page
- Save the police report showing the at-fault driver's insurance status
- Keep all medical records and bills tied to the crash
- Save every letter and email from your own insurer about the claim
- Talk to us before signing any release or accepting a settlement offer
UM/UIM Claims Near Lone Tree
Riders travel through Lone Tree on Lincoln Avenue, Yosemite Street, and C-470, often connecting to Highlands Ranch and Parker. A crash on any of these roads with an uninsured or underinsured driver can leave a rider facing serious injuries and no clear path to recovery from the other driver alone. Injured riders are sometimes treated at HCA HealthONE Sky Ridge, and those records become part of the claim.
If a UM/UIM claim moves into litigation, it is typically filed in Douglas County, with proceedings at the Douglas County Justice Center. Our office is in Denver, and we work with Lone Tree riders throughout their claim, from policy review through resolution.
What a UM/UIM Claim May Cover
- Medical expenses from the crash
- Future medical care tied to the injuries
- Lost income during recovery
- Reduced future earning capacity
- Pain and suffering from the injuries
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Lone Tree — 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.
Lone Tree Motorcycle UM/UIM Lawyers FAQ
Do I need Lone Tree motorcycle um/uim lawyers after a crash?
Call Lone Tree 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.
Do I have uninsured motorist coverage on my motorcycle policy?
It depends on what you purchased. Not every motorcycle policy includes UM or UIM coverage, so we review your declarations page to find out.
What if the at-fault driver has some insurance, but not enough?
That is an underinsured motorist situation. Your own UIM coverage, if you have it, may make up part of the difference between what the at-fault driver's insurer pays and your actual losses.
Is a low settlement offer from my own insurer bad faith?
Not automatically. A low offer or even a denial can happen for legitimate reasons tied to the policy or the evidence. Whether a carrier acted in bad faith is a separate question, and we look at how the claim was handled overall.
How is a UM/UIM claim different from suing the at-fault driver?
A UM/UIM claim is made against your own insurance company under your own policy, not against the other driver. It has its own process and its own terms, which is why the policy language matters so much.
What should I do first if I think the other driver had no insurance?
Get a copy of the police report, which often notes the other driver's insurance status, and pull out your own policy. Then talk with us so we can explain what coverage might apply to your situation.
Discuss a Lone Tree motorcycle crash
Free consultation. No attorney fee unless we recover for you.