El Paso County · Uninsured and underinsured motorist
Manitou Springs Motorcycle UM/UIM Lawyers
Manitou Springs motorcycle um/uim lawyers for riders hurt in Manitou Springs. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Can't Pay
McCormick & Murphy are Manitou Springs motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in El Paso County Combined Courts.
Motorcycle crashes on Manitou Avenue, Ruxton Avenue, and U.S. Highway 24 sometimes involve a driver who carries no liability insurance at all, or a driver whose limits are too small to cover a rider's injuries. When that happens, the path to compensation often shifts to the rider's own policy, if it includes uninsured or underinsured motorist coverage.
Whether that coverage applies, and how much is available, depends entirely on the language of the policy the rider purchased. We review the policy terms, the declarations page, and any exclusions specific to motorcycles before telling a client what their claim is worth.
These claims put the rider in the position of making a claim against their own insurer, which can feel adversarial even though the rider paid premiums for this protection. We handle the communication with the carrier and build the injury case the same way we would against an at-fault driver.
Building the UM/UIM Case
A UM or UIM claim still requires proof that the other driver caused the crash and proof of the rider's damages. Police reports, witness statements from Manitou Avenue or Old Colorado City, photos of the scene, and medical records from providers such as UCHealth Memorial Hospital Central all matter just as much as they would in a claim against a liability carrier.
We also gather the rider's own policy documents and any correspondence with the insurer early. How an insurer responds to a UM or UIM claim, including delays or denials, can matter later. If a carrier's handling of the claim raises concerns, our insurance bad-faith page explains how we evaluate that separately.
- Your own auto and motorcycle insurance policies and declarations pages
- Police report noting the other driver had no insurance or fled the scene
- Photos of the bike, the roadway, and any visible injuries
- Contact information for anyone who witnessed the crash
- All medical records and bills tied to the crash
Manitou Springs and El Paso County
Traffic moving through the narrow curves of Manitou Avenue and Ruxton Avenue, along with the faster flow on U.S. Highway 24 connecting Manitou Springs to Colorado Springs, creates plenty of opportunity for a crash with a driver who turns out to be uninsured. When that happens, we look closely at the rider's own policy to see what protection is available.
If a UM or UIM claim requires litigation, it would proceed through El Paso County Combined Courts. Our office at 929 W Colorado Ave in Colorado Springs is a short drive from Manitou Springs and Old Colorado City, and we meet with clients there or at a location that works for them.
What UM/UIM Coverage May Address
- Medical bills tied to the crash
- Future medical care for lasting injuries
- Lost income from time away from work
- Pain and suffering
- Damage to the motorcycle and gear, depending on the policy
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Manitou Springs — and read client testimonials.
A passenger suffered traumatic brain, neck, and back injuries in a Colorado Springs intersection collision. After the carrier refused a fair number, a jury awarded $295,000 including interest and costs.
El Paso County jury verdict
Prior results do not guarantee a similar outcome. Every case depends on its facts, coverage, venue, and evidence.
Manitou Springs Motorcycle UM/UIM Lawyers FAQ
Do I need Manitou Springs motorcycle um/uim lawyers after a crash?
Call Manitou Springs 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 at 929 W Colorado Ave, Colorado Springs, CO 80905.
Does my motorcycle policy automatically include UM or UIM coverage?
Not every policy includes it, and coverage depends on what was purchased and the specific policy language. We review the declarations page and policy terms before telling a client what applies to their situation.
What if the other driver has some insurance, just not enough?
That is an underinsured motorist situation, and it may allow a claim against your own UIM coverage for the gap between what the at-fault driver's policy pays and your actual damages. Again, this depends on your own policy terms.
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. If you're concerned about how your insurer handled your claim, we address that separately on our insurance bad-faith page.
Do I need to notify my insurer about a UM/UIM claim quickly?
You should notify your insurer as soon as reasonably possible after a crash involving an uninsured or underinsured driver. We don't advise waiting, since the specific notice requirements are set out in your policy.
Can I still pursue a UM/UIM claim if the at-fault driver fled the scene?
A hit-and-run crash is one of the more common reasons riders turn to their own UM coverage. The police report and any evidence from the scene become especially important in that situation.
Discuss a Manitou Springs motorcycle crash
Free consultation. No attorney fee unless we recover for you.