Larimer County · Uninsured and underinsured motorist
Loveland Motorcycle UM/UIM Lawyers
Loveland motorcycle um/uim lawyers for riders hurt in Loveland. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Can't Pay
McCormick & Murphy are Loveland motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Larimer County Justice Center.
Motorcycle crashes on Eisenhower Boulevard, Taft Avenue, and U.S. Highway 34 sometimes involve a driver who carries no liability insurance at all, or carries only enough to cover a fraction of a rider's medical bills and lost income. When that happens, the rider's own uninsured motorist (UM) or underinsured motorist (UIM) coverage may be the path to a fair recovery, if the policy includes it.
UM and UIM coverage is not automatic on every motorcycle policy, and the terms vary from one policy to the next. What matters is the actual language in the rider's declarations page and policy contract. We start by pulling and reading that policy to see what coverage exists and what it requires.
Making a UM/UIM claim means dealing with your own insurance company, which can feel adversarial even though you have paid premiums for years. We handle that claim process, gather the proof needed to support it, and push back when an offer does not match the injuries.
Building the UM/UIM Claim
A UM or UIM claim still needs proof that the crash was the other driver's fault and proof of what the injuries actually cost. Police reports, witness accounts from the scene, and photos of the vehicles and roadway on routes like Eisenhower Boulevard or Taft Avenue all matter here, just as they would in a claim against the at-fault driver directly.
Medical records are central to a UM/UIM claim, since the insurer will scrutinize the connection between the crash and the treatment. Records from providers such as UCHealth Medical Center of the Rockies, along with follow-up care, help show the extent of the injury and support the value of the claim.
- Your own auto and motorcycle insurance policies, including declarations pages
- Any information you have on the at-fault driver's insurance, or lack of it
- Police report from the crash
- Medical records and bills tied to the crash
- Records of income lost due to your injuries
Handling UM/UIM Claims in Larimer County
Loveland riders often travel between Fort Collins and Berthoud on U.S. Highway 34, corridors where a crash with an uninsured or underinsured driver can leave a rider facing serious costs with no clear source of recovery. We review the at-fault driver's coverage early so we know quickly whether a UM or UIM claim needs to be part of the case.
If a UM/UIM claim requires litigation, it can be filed through the Larimer County Justice Center. We handle that process alongside the claim against any at-fault party, so you are not left managing two separate legal tracks on your own.
What a UM/UIM Claim May Cover
- Medical treatment tied to the crash
- Future medical care related to the injury
- Lost income during recovery
- Reduced ability to earn going forward
- Pain, suffering, and loss of quality of life
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Loveland — 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.
Loveland Motorcycle UM/UIM Lawyers FAQ
Do I need Loveland motorcycle um/uim lawyers after a crash?
Call Loveland 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 you purchased, so we review your declarations page and policy language to see what applies to your crash.
What if the other driver had some insurance, just not enough?
That is an underinsured motorist, or UIM, situation. If the at-fault driver's liability limits do not cover your injuries, your own UIM coverage may make up part of the difference, depending on your policy.
My insurance company denied my UM claim. Does that mean they acted in bad faith?
Not automatically. A denial or a low offer can happen for many reasons, and whether it crosses into bad faith depends on how the carrier handled the claim. Our insurance bad-faith page covers that issue in more detail.
Do I need to notify my insurer about a UM claim right away?
You should let your insurer know about the crash and a possible UM or UIM claim as soon as you reasonably can. We can help you handle that notification correctly as part of your case.
Can I pursue a UM/UIM claim and a claim against the at-fault driver at the same time?
Yes, in many cases both claims move forward together, especially when the at-fault driver has some insurance but not enough. We coordinate both so you are not navigating separate processes alone.
Discuss a Loveland motorcycle crash
Free consultation. No attorney fee unless we recover for you.