Boulder and Weld counties · Uninsured and Underinsured Motorist
Longmont Motorcycle UM/UIM Lawyers
Longmont motorcycle um/uim lawyers for riders hurt in Longmont. Free consultation. No fee unless we recover for you.
Longmont Motorcycle UM/UIM Claims When The Other Driver Lacks Coverage
McCormick & Murphy are Longmont motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Boulder County Justice Center.
Not every driver on Hover Street or Ken Pratt Boulevard carries insurance, and some who do carry only minimal coverage. When the at-fault driver has no liability policy, or a policy too small to cover a motorcycle rider's injuries, the rider may need to turn to their own uninsured or underinsured motorist coverage. Whether that coverage applies, and how much is available, depends entirely on the language of the rider's own policy.
We do not assume every motorcycle policy in Colorado includes UM or UIM coverage, and we won't guess at what limits might apply to your situation. The first step in any UM/UIM claim is reading the actual policy to see what was purchased and what exclusions or conditions the insurer will try to raise.
A crash on Colorado Highway 119 or elsewhere around Longmont involving a hit-and-run driver, an uninsured driver, or a driver whose limits fall far short of the medical bills can leave a rider unsure of where to turn. We review the policy, identify what coverage may respond, and handle the claim against the rider's own insurer, which is a different process than a claim against another driver.
Proving The Other Driver's Insurance Status And Your Injuries
A UM or UIM claim still requires proof that the other driver caused the crash and caused the rider's injuries, even though the claim is being made against the rider's own insurer. Police reports, witness statements, photos from the scene, and medical records from providers such as UCHealth Longs Peak Hospital all matter here, just as they would in a claim against an at-fault driver's insurer.
We also gather proof of the at-fault driver's insurance status, or lack of it, since that is often the trigger for UM/UIM coverage to apply. Confirming there is no liability policy, or that the liability limits are too low, is a necessary part of presenting the claim to the rider's own carrier.
- Police report noting the other driver had no insurance or unknown insurance
- Photos of the scene, both vehicles, and your motorcycle
- Contact information for any witnesses
- All medical records and bills from treatment
- A copy of your own auto or motorcycle insurance policy
Serving Riders Near Hover Street, Colorado Highway 119, And Longmont Courts
We handle UM/UIM claims for riders injured around Longmont, including crashes near Hover Street, Ken Pratt Boulevard, and Colorado Highway 119, as well as riders traveling toward Boulder or Erie. Depending on where the crash happened, a related case could touch Boulder County Justice Center or Weld County Combined Courts.
A denial of a UM/UIM claim or a low offer from your own insurer is not automatically bad faith. If you believe your carrier mishandled your claim, our insurance bad-faith page covers what that process looks like separately from the underlying UM/UIM claim itself.
Longmont motorcycle overview →
Motorcycle UM/UIM claims in Longmont are part of our broader Denver motorcycle accident lawyers practice for the Denver metro area.
Investigating Longmont Motorcycle UM/UIM Claims & Client Office Access
McCormick & Murphy are Longmont motorcycle UM/UIM lawyers serving riders in Boulder and Weld counties who were injured by drivers with no insurance or insufficient coverage. We review your policy, gather crash evidence from locations like Hover Street and Colorado Highway 119, and handle claims against your own insurer.
- Local Crash Evidence Collection: We gather police reports, witness statements, and photos from Longmont crash scenes including Hover Street, Ken Pratt Boulevard, and Colorado Highway 119. We also collect medical records from providers such as UCHealth Longs Peak Hospital and confirm the at-fault driver's insurance status to support your UM/UIM claim.
- Boulder & Weld County Court Access: We handle UM/UIM claims for riders injured around Longmont with cases that may involve Boulder County Justice Center or Weld County Combined Courts depending on crash location.
Motorcycle And Property Losses A UM/UIM Claim May Cover
- Medical treatment and related expenses
- Lost income from time away from work
- Pain and suffering
- Property damage to the motorcycle and gear
- Future medical care tied to the injury
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Longmont — 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.
Your Longmont UM/UIM Questions
Do I need Longmont motorcycle um/uim lawyers after a crash?
Call Longmont 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 what was purchased and what the specific policy language says. We review your policy to determine what applies.
What happens if the at-fault driver has no insurance at all?
You may be able to pursue a claim through your own uninsured motorist coverage, if you have it. We start by confirming the other driver's insurance status and then reviewing your policy.
What if the other driver has insurance, but not enough to cover my injuries?
That's typically where underinsured motorist coverage comes in, if your policy includes it. We evaluate the gap between the at-fault driver's limits and your damages.
Is a low settlement offer from my own insurer considered bad faith?
Not automatically. A low offer or a denial can happen for legitimate reasons. We look at how the claim was handled and can point you to our insurance bad-faith page if the conduct raises concerns.
How is a UM/UIM claim different from a claim against the at-fault driver?
A UM/UIM claim is made against your own insurance company rather than the other driver's insurer. You still have to prove the other driver was at fault and that the crash caused your injuries.
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Discuss Your Longmont Motorcycle UM/UIM Case
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