El Paso County · Uninsured and underinsured motorist
Monument Motorcycle UM/UIM Lawyers
Monument motorcycle um/uim lawyers for riders hurt in Monument. Free consultation. No fee unless we recover for you.
When the At-Fault Driver's Insurance Isn't Enough
McCormick & Murphy are Monument 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.
Not every driver on I-25, Colorado Highway 105, or Second Street in Monument carries enough insurance to cover a motorcycle crash. When the at-fault driver has no liability coverage, or has coverage that falls short of the rider's medical bills and other losses, the rider's own uninsured or underinsured motorist coverage may come into play.
Whether that coverage applies, and how much it pays, depends on the specific language of the rider's own policy. We review the policy terms, the at-fault driver's coverage, and the rider's injuries to determine what claim can be made against the rider's own insurer.
This is a different process than a standard liability claim against the other driver. The rider is making a claim against their own insurance company, and that company's obligations are defined by the contract language in the policy.
What We Look At
We start by identifying what coverage exists on both sides: the at-fault driver's liability limits and the rider's own UM/UIM coverage. We gather the crash report, medical records, and documentation of the at-fault driver's insurance status or limits to establish the gap between what's available and what the injuries actually cost.
We also review how the insurer handles the claim once it's submitted. A denial or a low settlement offer isn't automatically evidence of bad faith, but how a carrier communicates, investigates, and responds to a UM/UIM claim matters. If you believe your insurer mishandled your claim, see our insurance bad-faith page for more on that process.
- Get a copy of your own motorcycle insurance policy and read the UM/UIM section
- Keep the police report showing the at-fault driver's insurance information or lack of it
- Save all medical records and bills tied to the crash
- Notify your own insurer of the crash and the potential claim
- Keep copies of all correspondence with any insurance adjuster
Monument and El Paso County Claims
Monument sits along a stretch of I-25 that sees fast-moving traffic, and riders crossing between Colorado Highway 105, Second Street, and nearby Palmer Lake face real risk from drivers who carry no insurance or too little. When a crash happens here, injured riders are often transported to UCHealth Memorial Hospital North in Colorado Springs, and those medical records become part of the claim.
UM/UIM claims tied to a Monument crash may be handled through El Paso County Combined Courts if litigation becomes necessary. Our office is in Colorado Springs at 929 W Colorado Ave, convenient to Monument and the surrounding area.
What a UM/UIM Claim May Cover
- Medical treatment for injuries from the crash
- Lost income from time away from work
- Pain and suffering
- Future medical care tied to the injury
- Property damage to the motorcycle, depending on policy terms
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Monument — 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.
Monument Motorcycle UM/UIM Lawyers FAQ
Do I need Monument motorcycle um/uim lawyers after a crash?
Call Monument 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?
It depends on your specific policy. Some policies include this coverage, others don't, and the amount varies. We review your policy language to see what applies to your situation.
What's the difference between uninsured and underinsured motorist coverage?
Uninsured motorist coverage applies when the at-fault driver has no liability insurance at all. Underinsured motorist coverage applies when the at-fault driver has some coverage, but it isn't enough to cover the rider's losses.
Do I have to sue my own insurance company for a UM/UIM claim?
Not always. Many UM/UIM claims are resolved through negotiation with your insurer, but if they deny the claim or offer too little, filing suit may become necessary.
My insurer denied my UM/UIM claim. Does that mean they acted in bad faith?
Not automatically. A denial or a low offer can be a normal part of the claims process. Whether the insurer's conduct crossed into bad faith depends on how they investigated and responded to the claim, which is a separate legal question.
How soon should I notify my insurer after a crash with an uninsured driver?
You should notify your insurer as soon as reasonably possible after the crash. Delaying notice can complicate your claim, so it's best to contact your insurer promptly and speak with an attorney about your options.
Discuss a Monument motorcycle crash
Free consultation. No attorney fee unless we recover for you.