Larimer County · Uninsured and underinsured motorists
Loveland Uninsured and underinsured motorists Lawyers
Loveland uninsured and underinsured motorist lawyers. Free consultation. No fee unless we recover for you.
How a Loveland UM/UIM Claim Works
McCormick & Murphy are Loveland uninsured motorist accident lawyers for people hurt in Loveland. We get the Loveland Police Department and Larimer County Sheriff’s Office report, the UCHealth Medical Center of the Rockies records, and file in Larimer County Justice Center.
When the driver who caused a crash in Loveland has no insurance, or not enough coverage to pay for the harm caused, the injured person can turn to their own policy's uninsured or underinsured motorist coverage. This is a first-party claim against your own insurer, but it is not automatic. Your insurance company still requires proof that the other driver caused the crash and proof of how badly you were hurt, just as if you were pursuing the at-fault driver directly.
That dual burden surprises many people. You are making a claim against the insurer you pay premiums to, yet that same insurer will scrutinize liability and damages the way an opposing adjuster would. We build the case to show fault for the underlying collision on roads like I-25, U.S. Highway 34, Eisenhower Boulevard, or Taft Avenue, and we document the full extent of the injuries and losses that followed.
We also look at every policy that might apply. That can include your own auto policy, a resident relative's policy, or stacked coverage depending on how your policies are set up. We review coverage elections, any offsets for amounts already paid by the at-fault driver's limited liability insurance, and how the carrier has evaluated the claim, so you understand what is being offered and why.
What We Use to Prove the Claim
Because fault for the original crash still has to be established, we gather the same evidence we would use against an at-fault driver: police reports from Loveland Police Department or the Larimer County Sheriff's Office, witness accounts, photos, and any available scene or vehicle evidence. We also confirm that the other driver in fact lacked adequate insurance, which is central to triggering your UM/UIM coverage in the first place.
On the damages side, we rely on medical records tied to treatment, including care through providers such as UCHealth Medical Center of the Rockies, along with wage loss documentation and other proof of how the crash affected your life. We present this proof directly to your own insurer, along with an analysis of applicable policy limits, so the claim is evaluated on accurate facts rather than a preliminary file review.
- Police report and any officer contact information
- Photos of the crash scene, vehicles, and visible injuries
- Your own auto insurance policy and declarations page
- Medical records and bills from all treatment received
- Pay records or documentation of missed work
Handling UM/UIM Claims From Loveland
We work with people injured in crashes throughout Loveland and nearby communities including Fort Collins, Berthoud, Johnstown, Windsor, and Longmont. Uninsured and underinsured driver crashes happen on all types of roads here, from high-speed stretches of I-25 and U.S. Highway 34 to busier local routes like Eisenhower Boulevard and Taft Avenue, and the coverage issues are the same no matter where the collision happened.
If a dispute over a UM/UIM claim ends up in litigation, Larimer County cases are typically handled through the Larimer County Justice Center. Our office is based in Denver, and we represent injured drivers and passengers from Loveland and Larimer County in their first-party claims and, when needed, in court.
Losses We Pursue in UM/UIM Claims
- Medical expenses from treatment and ongoing care
- Lost wages and reduced earning capacity
- Pain and suffering tied to the injuries sustained
- Out-of-pocket costs related to the crash
- Property damage not fully covered by the at-fault driver
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 Uninsured Motorist Accident Lawyers FAQ
Do I still need to prove the other driver was at fault?
Yes. Even though UM/UIM is a claim against your own insurer, you still have to show the other driver caused the crash and that their actions led to your injuries. We gather the same evidence we would use in any liability case to support this.
What if the at-fault driver had some insurance, just not enough?
That is an underinsured motorist, or UIM, situation. Your UIM coverage can apply to make up the difference between what the at-fault driver's policy pays and the full value of your loss, subject to your own policy limits and any offsets.
Can I use more than one policy for a UM/UIM claim?
It depends on your coverage. In some cases more than one policy may apply, such as your own auto policy or a policy covering a resident relative. We review all potentially applicable coverage to see what options exist.
Why would my own insurance company dispute my UM/UIM claim?
Your insurer still has a financial interest in minimizing what it pays, even though you are a policyholder. That is why it evaluates fault and damages closely, and why having organized evidence and medical proof matters just as much as it would against an at-fault driver's insurer.
What does it cost to have you look at my UM/UIM claim?
We offer a free consultation to review your policy and the facts of your crash. There is no attorney fee unless we recover for you.
Discuss a Loveland crash
Free consultation. No attorney fee unless we recover for you.