Adams and Weld counties · Uninsured and underinsured motorists
Northglenn Uninsured and underinsured motorists Lawyers
Northglenn uninsured and underinsured motorist lawyers. Free consultation. No fee unless we recover for you.
How a Northglenn UM/UIM Claim Works
McCormick & Murphy are Northglenn uninsured motorist accident lawyers for people hurt in Northglenn. We get the Northglenn Police Department report, the HCA HealthONE North Suburban Medical Center records, and file in Adams County Justice Center.
When the at-fault driver has no insurance, or not enough coverage to pay for what happened to you, you may be able to file a claim against your own policy's uninsured or underinsured motorist coverage. This is a first-party claim, which means you're dealing with your own insurance company instead of someone else's. But don't mistake that for simplicity. Your insurer still requires you to prove the other driver caused the crash and still requires you to prove the full value of your losses, the same as you would against any at-fault driver's insurer.
That puts you in an odd position. The company you've paid premiums to for years becomes the one scrutinizing your claim, looking for reasons to pay less or deny it outright. We've seen Northglenn clients assume their own insurer will simply take their word for it. That's not how it works. The burden of proof doesn't disappear just because you're filing against your own policy.
We handle these claims by building the case the same way we'd build it against any at-fault driver: establishing fault, documenting injuries, and calculating what the loss is actually worth. Then we take that case to your insurer and push for a fair evaluation, not just whatever first number they offer.
What These Claims Require
A UM/UIM claim has layers most people don't expect. We need to establish fault and damages from the underlying collision just as we would in any crash case. We also need to identify every policy that might apply, including your own auto policy, any resident relative's policy, or umbrella coverage, because coverage elections and stacking can change what's available. Underinsured motorist claims add another layer: we have to account for offsets against whatever the at-fault driver's insurer already paid.
Timely notice to your own carrier matters, and so does the medical and wage documentation that proves what the crash actually cost you. Insurers evaluate UM/UIM claims closely, often more closely than third-party claims, because they're paying out of their own pocket. We prepare the file with that scrutiny in mind from the start.
- The police report, including any notes about the other driver's insurance status
- Your own auto policy declarations page and any household policies
- Medical records and bills tied directly to the crash
- Pay stubs or income records showing missed work
- Any correspondence with your insurer about the claim
Handling UM/UIM Claims in Northglenn
Northglenn sits along the I-25 corridor, with traffic flowing through 104th Avenue, 120th Avenue, and Washington Street every day. These routes connect Northglenn to Thornton, Westminster, Broomfield, and Commerce City, and uninsured driver rates don't stop at city lines. We regularly see Northglenn clients who did everything right, carried their own insurance, and still get hit by someone who didn't.
Crashes on these roads often get documented by Northglenn Police Department, and injuries frequently bring people to HCA HealthONE North Suburban Medical Center. If your claim ends up in litigation, it's likely to run through Adams County Justice Center, serving Adams and Weld counties. We know the roads, the local patterns, and what it takes to get a UM/UIM claim taken seriously here.
What You Can Pursue
- Medical expenses tied to the crash
- Lost wages and reduced earning capacity
- Pain and suffering
- Future medical care if injuries are ongoing
- Property damage not already covered
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 Uninsured Motorist Accident Lawyers FAQ
Do I still need to prove the other driver was at fault if I'm filing against my own insurance?
Yes. UM/UIM is a first-party claim, but your insurer still requires proof that the other driver caused the crash. The burden of proof doesn't shift just because you're dealing with your own policy.
What's the difference between uninsured and underinsured motorist coverage?
Uninsured motorist coverage applies when the at-fault driver has no insurance at all. Underinsured motorist coverage applies when the at-fault driver has insurance, but their limits aren't enough to cover your full losses.
Will my insurance rates go up if I file a UM/UIM claim?
This depends on your policy and insurer, and it's a fair question to raise with your agent. It shouldn't stop you from pursuing coverage you've paid for if you were injured by an uninsured or underinsured driver.
What if the other driver had some insurance, but not enough to cover my medical bills?
That's exactly what underinsured motorist coverage is for. We account for whatever the at-fault driver's insurer pays and pursue the remaining value through your underinsured motorist policy.
Why would my own insurance company fight my UM/UIM claim?
Because they're paying the claim directly out of their own funds, rather than passing it to another driver's insurer. That often means more scrutiny of fault and damages, which is why building a well-documented case matters.
Discuss a Northglenn crash
Free consultation. No attorney fee unless we recover for you.