El Paso County · Uninsured and Underinsured Motorists
Colorado Springs Uninsured Motorist Accident Lawyers
Colorado Springs uninsured motorist accident lawyers for crashes on Powers Boulevard and Academy Boulevard. Free consultation. No fee unless we recover for you.
Colorado Springs UM/UIM Claims: Your Insurer Steps In When the Other Driver Can't Pay
McCormick & Murphy are Colorado Springs uninsured motorist accident lawyers for people hurt by a driver with no insurance or too little insurance. We get the Colorado Springs Police Department or Colorado State Patrol report, the UCHealth Memorial Hospital Central or CommonSpirit Penrose Hospital records, and file in El Paso County District Court.
An uninsured motorist claim arises when the at-fault driver carries no liability insurance. An underinsured motorist claim applies when that driver's coverage is too low to cover your losses. Either way, you file a first-party claim with your own insurer, not the other driver's. Colorado law requires insurers to offer UM/UIM coverage; you may have accepted or rejected it, or your policy may contain default limits. Our role is to gather evidence of the other driver's fault, quantify your damages, and negotiate or litigate against your carrier to reach a fair settlement.
The burden of proof rests on you. We must establish that the uninsured or underinsured driver caused the collision and calculate the full extent of your medical bills, lost wages, pain and suffering, and other losses. Your insurer will scrutinize police reports, witness statements, medical records, and damage assessments. We handle that investigation and push back on denials or low offers.
From CSPD Reports to UCHealth Memorial Records: Proving Your UM/UIM Claim
Police reports filed with the Colorado Springs Police Department or Colorado State Patrol are the foundation. We obtain the crash report, citations issued, officer observations, and any dashcam or surveillance footage from the scene. Witness statements, vehicle damage photos, and accident reconstruction reports also help prove liability. Medical records from UCHealth Memorial Hospital Central or CommonSpirit Penrose Hospital establish injury causation and treatment necessity.
We also gather your policy documents, declarations pages, and any communications with your insurer. Wage loss documentation, receipts, repair estimates, and photographs of your vehicle and injuries all support the damage claim. If the uninsured driver was cited for a traffic violation—speeding, running a red light, reckless driving—that citation strengthens your case significantly.
Investigating Colorado Springs Uninsured Motorist Claims & Client Office Access
McCormick & Murphy are Colorado Springs uninsured motorist accident lawyers who obtain Colorado Springs Police Department and Colorado State Patrol reports, UCHealth Memorial Hospital Central and CommonSpirit Penrose Hospital records, and file in El Paso County District Court when the at-fault driver has no insurance or too little coverage.
- Local Crash Evidence Collection: We gather police reports from Colorado Springs Police Department or Colorado State Patrol, witness statements, dashcam or surveillance footage, vehicle damage photos, and accident reconstruction reports from crashes on Powers Boulevard, Academy Boulevard, Woodmen Road, and I-25 to prove the uninsured driver caused the collision.
- Colorado Springs Office Location: The Colorado Springs office is located at 929 W Colorado Ave, Colorado Springs, CO 80905. Free consultation. No fee unless we recover for you. Call (719) 389-0400 to discuss your uninsured or underinsured motorist claim with an experienced injury attorney.
- Colorado Springs Office Location Anchor: Clients meet with our team at 929 W Colorado Ave, Colorado Springs, CO 80905 ↗ — with home or hospital consultations available if severe injuries prevent travel.
When the at-fault driver has no insurance or too little coverage, your own UM/UIM policy becomes the source of recovery—but only if you preserve the right evidence and meet every burden of proof against your own carrier.
- Police crash report from Colorado Springs Police Department or Colorado State Patrol
- Your UM/UIM insurance policy, declarations page, and all endorsements
- Photographs and documentation of your vehicle before any repairs
- Medical records from UCHealth Memorial Hospital Central, CommonSpirit Penrose Hospital, or other providers
- All communications, coverage letters, and claim-file correspondence with your insurer
- Citations or traffic violations issued to the uninsured or underinsured driver
- Witness statements and contact information from the crash scene
- Dashcam, surveillance, or traffic-camera footage from the scene
- Wage-loss documentation: pay stubs, tax returns, employer letters, and disability statements
- Receipts for medications, travel to appointments, rental cars, and other crash-related expenses
- Complete timeline from first notice of claim through every insurer response, delay, or denial
- Accident reconstruction reports and expert analysis (if liability is disputed)
McCormick & Murphy are Colorado Springs uninsured motorist accident lawyers who obtain police reports, hospital records, witness statements, and policy documents to prove UM/UIM claims in El Paso County District Court. Free consultation: **(719) 389-0400**. No fee unless we recover for you.
Powers Boulevard, Academy Boulevard, Woodmen Road and I-25 Crashes With Uninsured Drivers
Powers Boulevard, Academy Boulevard, Woodmen Road, and I-25 see high-volume traffic. Collisions here often involve drivers without valid insurance. We have handled UM/UIM claims arising from crashes in Briargate, Old Colorado City, Broadmoor, Fountain, and Manitou Springs. Rear-end collisions, intersection T-bones, and highway merge accidents are common. Colorado Springs Police Department and Colorado State Patrol respond to most serious crashes; we obtain those reports and coordinate investigation.
El Paso County District Court has jurisdiction over disputed UM/UIM claims that do not settle. Your insurer has a duty of good faith to investigate and respond to your claim. If they deny coverage or offer too little, we file suit to enforce your policy rights and recover what you are owed.
Official Colorado Springs hospital, report, crash-record, and court links →
Future Treatment, Lost Wages and Vehicle Damage in a Colorado Springs UM/UIM Claim
- Medical expenses: emergency care, surgery, hospitalization, imaging, therapy, future treatment
- Lost wages: time off work during recovery, reduced earning capacity if injury is permanent
- Pain and suffering: physical pain, emotional distress, loss of enjoyment of life
- Property damage: vehicle repair or replacement, rental car costs while yours is fixed
- Household and personal care: help with childcare, cleaning, yard work during recovery
- Disfigurement and disability: scarring, permanent impairment, mobility aids, home modifications
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Colorado Springs — 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.
Your Colorado Springs Uninsured Motorist Questions, Answered
Do I need Colorado Springs uninsured motorist accident lawyers after a crash?
Call Colorado Springs uninsured motorist accident lawyers when you were hurt, fault is disputed, or an insurer delays, denies, or offers less than the medical bills. The Colorado Springs office is at 929 W Colorado Ave, Colorado Springs, CO 80905.
Do I have uninsured motorist coverage?
Colorado requires insurers to offer UM/UIM coverage, but you may decline it. Check your declarations page or call your agent. If you accepted coverage, it usually equals your liability limit unless you chose a lower amount. We review your policy to confirm the coverage type and limits available.
How much does it cost to hire you?
We work on a contingency fee basis. You do not pay us anything upfront or out of pocket. Our fee comes as a percentage of the recovery we win for you—either by settlement or court judgment. Costs for investigation, medical records, and expert witnesses are typically advanced by us and deducted from the recovery at the end. If we recover nothing, you owe no fee.
What is the deadline to file a UM/UIM claim?
Colorado allows three years from the date of injury to file a lawsuit. However, your insurance policy may require you to notify your insurer and file a claim within a shorter window—often three years. Do not delay. We send notice to your insurer immediately and begin the claims process right away.
Can my insurer deny my uninsured motorist claim?
Yes, but only for valid reasons: lack of proof of the other driver's liability, failure to comply with policy conditions, or exclusions listed in your policy. Insurers sometimes wrongly deny claims. If denial is unjustified, we file suit to overturn it. We have tools to compel the insurer to reconsider or pay a judgment.
What if the uninsured driver is never found?
You may still have a claim under an uninsured motorist provision called a hit-and-run claim. You must report the accident to police immediately and provide all identifying information about the other vehicle. We help document that you exercised reasonable efforts to identify the driver. If the claim is denied, we challenge that denial in court.
Nearest McCormick & Murphy office
Colorado Springs — Downtown
Discuss Your Colorado Springs Uninsured Motorist Accident Case
Speak directly with an experienced injury attorney. Free consultation. No fee unless we win.