Adams and Weld counties · Uninsured and underinsured motorist
Northglenn Motorcycle UM/UIM Lawyers
Northglenn motorcycle um/uim lawyers for riders hurt in Northglenn. Free consultation. No fee unless we recover for you.
When Your Own Policy Has to Step In
McCormick & Murphy are Northglenn motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Adams County Justice Center.
Not every crash ends with a check from the other driver's insurer. Sometimes the driver who caused the wreck has no liability coverage at all. Other times they carry a policy, but the limits fall far short of what a motorcycle rider's injuries actually cost. In either situation, the rider's own uninsured or underinsured motorist coverage may come into play, if the policy includes it.
Whether that coverage applies, and how much is available, comes down to the specific language in the rider's policy. Some motorcycle policies carry UM or UIM coverage, others do not, and the terms vary from one insurer to the next. We read the policy closely before telling a client what to expect, rather than guessing at what coverage should be there.
When UM or UIM coverage does apply, the rider is effectively making a claim against their own insurer to cover the gap left by the at-fault driver. That claim still requires proof of fault, proof of injury, and proof of damages, the same as any other motorcycle injury claim. The insurer reviewing that claim is not a neutral party, so having someone examine the file on the rider's behalf matters.
Building the UM/UIM File
A UM or UIM claim starts with confirming what coverage exists. That means locating the rider's own policy, along with any other policies that might apply, such as a household member's auto policy or a resident relative's coverage. We also work to confirm whether the at-fault driver truly had no insurance or simply had limits too low to cover the loss, since that distinction shapes how the claim is framed.
From there, the file needs the same proof any injury claim needs: the police report, photos from the scene, witness statements, and medical records tying the injuries to the crash. Because the rider's own insurer is now reviewing the claim, we also pay attention to how that insurer communicates, what it asks for, and how it responds. A denial or a lower-than-expected offer is not automatically bad faith, but the way a carrier handles a UM or UIM claim can matter. If you believe your insurer mishandled your claim, our insurance bad-faith page covers that separately.
- A copy of your own auto or motorcycle insurance policy
- The police report noting the other driver lacked insurance or coverage details
- Any letters or claim numbers from the at-fault driver's insurer, if one exists
- Medical records and bills connected to the crash
- Notes on any communication with your own insurance company
Handling UM/UIM Claims for Northglenn Riders
Riders moving along I-25, 104th Avenue, 120th Avenue, and Washington Street in Northglenn face the same risk as riders anywhere: a crash caused by a driver who never carried adequate insurance. When that happens, injuries treated at HCA HealthONE North Suburban Medical Center become the rider's own financial burden unless UM or UIM coverage fills the gap.
Northglenn sits across Adams and Weld counties, and a UM or UIM dispute connected to a Northglenn crash may involve proceedings at the Adams County Justice Center. We work with riders throughout the Thornton and Northglenn area to sort out what coverage applies and to build the claim needed to access it.
What a UM/UIM Claim Can Cover
- Medical treatment tied to the crash
- Ongoing or future medical care
- Lost income from time away from work
- Pain and suffering
- Property damage to the motorcycle, depending on the policy
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Northglenn — 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.
Northglenn Motorcycle UM/UIM Lawyers FAQ
Do I need Northglenn motorcycle um/uim lawyers after a crash?
Call Northglenn 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 every motorcycle policy include UM or UIM coverage?
No. Coverage depends on the specific policy the rider purchased. We review the policy language directly rather than assume coverage exists.
What if the at-fault driver has some insurance, just not enough?
That is an underinsured motorist situation. The rider's own UIM coverage, if it exists, may help cover the difference between what the at-fault driver's policy pays and the actual cost of the injuries.
Is a low offer from my own insurer a sign of bad faith?
Not automatically. Insurers evaluate claims based on the evidence submitted, and a low offer can reflect a genuine dispute over value. If you think your insurer mishandled the claim itself, that is a separate issue we address on our insurance bad-faith page.
Do I need a police report to make a UM claim?
It helps a great deal. A police report documenting that the other driver lacked insurance, or noting the crash details, supports the claim and gives the insurer a clear record to review.
Can I have UM coverage from more than one policy?
It is possible, depending on the household's insurance situation. We look at all potentially applicable policies, including those covering resident relatives, before determining what coverage is available.
Discuss a Northglenn motorcycle crash
Free consultation. No attorney fee unless we recover for you.