El Paso County · Uninsured and underinsured motorist
Colorado Springs Motorcycle UM/UIM Lawyers
Injured by an uninsured driver in Colorado Springs? Free consultation. No attorney fee unless we recover for you.
When the At-Fault Driver's Insurance Isn't Enough
Not every driver on the road carries adequate insurance, or any insurance at all. When a motorcycle rider is hit by someone with no liability coverage, or coverage too low to pay for the injuries the crash caused, the rider's own policy may come into play through uninsured motorist (UM) or underinsured motorist (UIM) coverage. Whether that coverage applies, and how much is available, depends entirely on the language of the rider's own policy.
We do not assume every motorcycle policy includes UM or UIM coverage. Some riders have it, some do not, and the limits vary from policy to policy. The first step in any case like this is a careful read of the declarations page and policy terms to see what protection actually exists.
Filing a UM or UIM claim means making a claim against your own insurer, and that insurer's interests are not always aligned with yours. We handle the claim, the documentation, and the negotiation so the carrier evaluates the injury on its merits rather than on what's convenient for the company.
Building the UM/UIM Claim
A strong UM or UIM claim starts with proving the crash and the injuries the same way any other motorcycle claim would: police reports, photos from the scene, witness statements, and medical records from providers such as UCHealth Memorial Hospital Central or CommonSpirit Penrose Hospital. We also need proof of the at-fault driver's insurance status, or lack of it, and documentation showing why that driver's coverage falls short of covering the harm done.
On top of that, we review the rider's own auto and motorcycle policies to identify every potential source of UM or UIM coverage, including stacked policies where they exist. A low offer or an initial denial from your own insurer is not automatically evidence of bad faith. If you believe your carrier mishandled your claim, our insurance bad-faith page addresses that separately.
- Your own auto and motorcycle insurance policies, including declarations pages
- Any information about the at-fault driver's insurance, or confirmation there was none
- Police report and crash scene photos
- Medical records and bills tied to the injury
- Copies of any correspondence with your own insurer about the claim
UM/UIM Claims Around Colorado Springs
Uninsured and underinsured drivers show up on every corridor in this city, from Powers Boulevard and Academy Boulevard to Woodmen Road and I-25. A crash on any of these roads, or in areas like Old Colorado City, can leave a rider facing serious injury costs with no realistic recovery from the other driver. That's when the rider's own UM or UIM coverage becomes the primary path to compensation.
When a UM or UIM claim can't be resolved directly with the insurer, litigation may proceed through El Paso County District Court. Our office at 929 W Colorado Ave is set up to handle these claims from the initial policy review through resolution, whether that happens at the negotiation table or in court.
What UM/UIM Coverage May Help Recover
- Medical expenses tied to the crash
- Lost income from time away from work
- Pain and suffering
- Future medical care related to the injury
- Property damage to the motorcycle, depending on policy terms
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.
Colorado Springs Uninsured and underinsured motorist FAQ
Does every motorcycle policy in Colorado include UM or UIM coverage?
No. Coverage depends on the specific policy the rider purchased. We review the declarations page and policy language to determine what, if any, UM or UIM coverage applies.
What happens if the at-fault driver has no insurance at all?
If the at-fault driver is uninsured, the rider's own UM coverage, if it exists, may be the source of recovery. We help identify whether that coverage applies and what steps come next.
What if the other driver has insurance but not enough to cover my injuries?
That's a situation for underinsured motorist coverage, or UIM. If the rider's policy includes UIM coverage, it may fill the gap between what the at-fault driver's insurer pays and the actual cost of the injury.
Is a low settlement offer from my own insurer considered bad faith?
Not automatically. Insurers can dispute the value of a claim without acting in bad faith. If you think your carrier handled your claim unfairly, see our insurance bad-faith page for how that's evaluated separately.
Do I need to notify my insurer right away after a crash with an uninsured driver?
You should report the claim to your insurer promptly, though we won't cite a specific deadline here since policy terms vary. We can review your policy and help make sure notice requirements are met correctly.
Discuss a Colorado Springs motorcycle crash
Free consultation. No attorney fee unless we recover for you.