El Paso County · Uninsured and underinsured motorist
Palmer Lake Motorcycle UM/UIM Lawyers
Palmer Lake motorcycle um/uim lawyers for riders hurt in Palmer Lake. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Can't Pay
McCormick & Murphy are Palmer Lake 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 the road carries enough insurance to cover a serious motorcycle injury, and some carry none at all. When that happens on I-25, Colorado Highway 105, County Line Road, or elsewhere around Palmer Lake, the rider's own uninsured or underinsured motorist coverage may be the only path to recovery.
Whether that coverage applies, and how much is available, depends entirely on the language of the rider's own policy. Some policies include UM or UIM coverage, and some do not. We review the policy itself rather than assume what it covers.
If the at-fault driver had some insurance but not enough to cover the rider's injuries, underinsured motorist coverage can potentially fill the gap. This is a separate claim against the rider's own insurer, and it comes with its own process and its own disputes.
Building the UM/UIM Claim
A UM or UIM claim still requires proof that the at-fault driver caused the crash and proof of the rider's injuries. We gather the same crash evidence we would use against a liability insurer: police reports, witness statements, photos, and medical records tied to the injuries. That evidence matters just as much when the claim is against the rider's own carrier.
We also review the at-fault driver's insurance status early, since confirming there is no coverage or insufficient coverage is part of what triggers a UM or UIM claim. Riders being treated at UCHealth Memorial Hospital North or elsewhere should keep their own insurance paperwork along with their medical records, since both come into play in this type of claim.
- Your own auto and motorcycle insurance policy documents
- Any information you have on the at-fault driver's insurance, or lack of it
- Police report from the crash
- Medical records and bills from treatment
- Any correspondence with your own insurer about the claim
Handling UM/UIM Claims Near Palmer Lake
Palmer Lake riders travel a mix of highway and local roads, from I-25 and Highway 105 to County Line Road and routes through Monument and Colorado Springs. Crashes on these roads sometimes involve drivers with no insurance or with limits that fall short of a motorcycle rider's injuries.
When a UM or UIM claim is contested, it can end up in El Paso County Combined Courts. Our office at 929 W Colorado Ave in Colorado Springs is available for riders in Palmer Lake and the surrounding area who need help sorting out what their own policy actually provides.
What These Claims Can Cover
- Medical treatment for motorcycle injuries
- Ongoing or future medical care
- Lost income from time away from work
- Pain and suffering
- Property damage to the motorcycle
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Palmer Lake — 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.
Palmer Lake Motorcycle UM/UIM Lawyers FAQ
Do I need Palmer Lake motorcycle um/uim lawyers after a crash?
Call Palmer Lake 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 always. Coverage depends on the specific policy, and some policies do not include it. We review the actual policy language to determine what applies to your situation.
What is the difference between UM and UIM 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 the limits are not enough to cover your injuries.
What if my own insurer denies my UM/UIM claim?
A denial or a low offer is not automatically bad faith on its own. If you believe your insurer mishandled your claim, our insurance bad-faith page explains what that can look like.
Do I need a police report to file a UM claim?
A police report is helpful evidence for establishing how the crash happened and who was at fault. It is one piece of the proof we use, along with medical records and other documentation.
Is a UM/UIM claim against my own insurer complicated?
It can involve its own process and disputes, since you are dealing with your own carrier rather than the at-fault driver's insurer. Having your policy and crash documentation organized helps us evaluate the claim early.
Discuss a Palmer Lake motorcycle crash
Free consultation. No attorney fee unless we recover for you.