El Paso County · Uninsured and underinsured motorists
Old Colorado City Uninsured and underinsured motorists Lawyers
Old Colorado City uninsured and underinsured motorist lawyers. Free consultation. No fee unless we recover for you.
Uninsured and Underinsured Motorist Claims in Old Colorado City
McCormick & Murphy are Old Colorado City uninsured motorist accident lawyers for people hurt in Old Colorado City. We get the Colorado Springs Police Department report, the UCHealth Memorial Hospital Central records, and file in El Paso County Combined Courts.
A UM/UIM claim gets filed against your own insurance company, but don't let that fool you into thinking it's simple. Your carrier still requires you to prove that the other driver caused the crash and to prove the full extent of your injuries and losses, just as if you were pursuing the at-fault driver directly.
We see this situation often around Old Colorado City, where crashes happen on U.S. Highway 24, Colorado Avenue, 21st Street, and 25th Street. When the other driver has no policy at all, or carries only minimal liability limits that don't come close to covering your medical bills and lost income, your own UM/UIM coverage is what stands between you and an uncompensated loss.
Insurance companies handling UM/UIM claims evaluate these cases carefully, and sometimes adversarially, because they're paying out of their own pocket rather than someone else's. We build the claim the same way we would against a third-party driver: establishing fault, documenting injuries, and presenting a demand backed by evidence the carrier can't easily dismiss.
What Your UM/UIM Claim Requires
Because you still must prove fault and damages from the underlying collision, we gather police reports from Colorado Springs Police Department, witness statements, photos of the scene, and any available data about the at-fault vehicle. We also identify all applicable policies, including your own auto policy and any other coverage that may apply, such as policies held by household members or umbrella coverage.
We review your coverage elections, any offsets the carrier claims against your UM/UIM limits, and whether proper notice was given to your insurer. Medical records and bills from providers, including facilities like UCHealth Memorial Hospital Central, support the injury side of your claim, while pay stubs and employer statements document wage loss. All of this builds the record your carrier needs to fairly evaluate what your claim is worth.
- Police report and any information about the other driver's insurance status
- Photos of the crash scene, vehicle damage, and visible injuries
- Copy of your own auto insurance policy, including declarations page
- Medical records, bills, and any wage loss documentation
- Written notice you sent to your insurer about the claim
Handling UM/UIM Claims Near Old Colorado City
Old Colorado City sits along a busy stretch of Colorado Avenue near U.S. Highway 24, with traffic flowing in from Manitou Springs, Fort Carson, Fountain, and Briargate. Crashes on these roads and at intersections like 21st Street and 25th Street often involve drivers who carry no insurance or policies with bare minimum limits, leaving injured people to turn to their own UM/UIM coverage.
When a claim moves beyond what the insurance company is willing to offer, litigation may proceed through El Paso County Combined Courts. We handle UM/UIM disputes with the same preparation we'd bring to a case against a negligent driver, because your own insurer is entitled to put you to your proof.
Losses We Pursue in UM/UIM Claims
- Medical expenses, current and anticipated
- Lost wages and diminished earning capacity
- Pain and suffering from your injuries
- Property damage not otherwise covered
- Loss of enjoyment of life and ongoing impairment
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Old Colorado City — 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.
Old Colorado City Uninsured Motorist Accident Lawyers FAQ
What is the difference between UM and UIM coverage?
UM, or uninsured motorist coverage, applies when the at-fault driver has no insurance at all. UIM, or underinsured motorist coverage, applies when the at-fault driver has insurance, but the limits aren't enough to cover your losses.
Do I have to prove the other driver was at fault even though I'm filing with my own insurer?
Yes. Your UM/UIM carrier steps into the shoes of the at-fault driver's insurer for purposes of evaluating the claim, which means you still must show the other driver caused the crash and establish the value of your damages.
What if the at-fault driver fled the scene?
Hit-and-run crashes where the driver can't be identified often fall under uninsured motorist coverage, since there's no known insurer to pursue. We still need evidence from the scene, witnesses, and any available reports to support the claim.
Can I use UIM coverage if the other driver's insurance isn't enough to cover my medical bills?
Yes, if your own policy includes underinsured motorist coverage, you may be able to pursue the difference between what the at-fault driver's insurer pays and the full value of your losses, up to your UIM policy limits.
Does my own insurance company fight UM/UIM claims?
It can happen. Even though you've paid premiums for this coverage, your insurer is still evaluating the claim from a financial standpoint and may dispute fault, injury severity, or the value of your losses, which is why thorough documentation matters.
Discuss a Old Colorado City crash
Free consultation. No attorney fee unless we recover for you.