Pueblo County · Uninsured and underinsured motorists
Pueblo Uninsured Motorist Accident Lawyers
Hit by an uninsured driver in Pueblo? We pursue your own UM/UIM coverage on contingency—no fee unless we recover for you.
Uninsured motorist accident claims in Pueblo
An uninsured motorist claim is a first-party insurance dispute, not a lawsuit against the at-fault driver. Because the responsible party has no insurance or carries limits below your damages, you turn to your own UM/UIM coverage. The burden still falls on you to prove the other driver's negligence and the full value of your injury—hospital bills, lost wages, pain, permanent disability. We investigate the crash scene, gather police reports from the Pueblo Police Department or Colorado State Patrol, interview witnesses, and reconstruct the sequence of events.
Insurance carriers scrutinize these claims closely. They'll argue the other driver wasn't at fault, that your injuries predate the crash, or that your damages are inflated. We respond with medical records, expert testimony, and economic analysis. If the insurer refuses fair settlement, we file suit in Pueblo County District Court and litigate the claim to verdict.
Evidence we collect for UM/UIM claims
The police report is the foundation. We obtain the full report from the Pueblo Police Department, Pueblo County Sheriff's Office, or Colorado State Patrol, depending on where the crash occurred—whether on U.S. Highway 50, Pueblo Boulevard, Northern Avenue, I-25, or local streets near Pueblo West, Bessemer, or Downtown Pueblo. We photograph the scene, measure distances, document traffic control devices, and preserve any surveillance footage from nearby businesses or traffic cameras.
Medical proof is equally vital. We compile your records from CommonSpirit Parkview Medical Center or another Pueblo provider, imaging studies (X-rays, MRI), treatment notes, and expert opinions on causation and permanence. We also document lost wages through employer records and tax returns, and gather testimony from family, coworkers, and medical providers about your pain, limitations, and life changes before and after the collision.
Uninsured motorist claims depend on thorough evidence of the other driver's fault. Immediately after a crash in Pueblo County, notify the at-fault driver's insurance carrier (if known) and your own insurer in writing, requesting preservation of all dashcam and surveillance video, vehicle telemetry, phone records, and any traffic camera footage.
- Your UM/UIM policy and endorsements
- Coverage letters and claim-file correspondence
- Recorded statements and submissions
- Medical and wage-loss documentation
- Insurer delay or denial explanations
- Complete timeline from first notice of claim
Delaying preservation can result in lost evidence and a weakened claim.
UM/UIM claims in Pueblo and nearby communities
Uninsured motorist crashes occur throughout Pueblo County—on the busy corridors of U.S. Highway 50 and I-25, along Pueblo Boulevard and Northern Avenue, and in residential areas of Pueblo West, Bessemer, Belmont, and Colorado City. Many drivers carry only the state minimum or no insurance at all, leaving injured persons with no direct recovery source. We understand Pueblo County traffic patterns, the local court system, and the insurance practices of carriers operating in the region.
Pueblo County District Court handles UM/UIM litigation. Discovery timelines, motion practice, and jury expectations differ from federal court and other Colorado counties. We have tried cases before Pueblo County juries and negotiated settlements with adjusters familiar with local injury values and economic factors specific to the Pueblo area.
Official Pueblo hospital, report, crash-record, and court links →
Losses the claim may include
- Medical expenses: emergency care, surgery, rehabilitation, imaging, therapy, ongoing treatment, and future medical care
- Lost wages and lost earning capacity due to injury, missed work, or permanent disability
- Pain and suffering, including physical pain, emotional distress, and loss of enjoyment of life
- Permanent scarring, disfigurement, or functional impairment from the collision
- Loss of consortium or companionship if the injury affects family relationships
- Property damage to your vehicle if not already recovered through collision coverage
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Pueblo — and read client testimonials.
A pickup hit me from behind on Hwy 50 east of Pueblo. The insurer offered $2,600. McCormick & Murphy helped with treatment, filed suit, and the case settled at mediation for $165,000.
C. O., Pueblo · Highway 50 crash
Prior results do not guarantee a similar outcome. Every case depends on its facts, coverage, venue, and evidence.
Pueblo Uninsured and underinsured motorists FAQ
Do I have uninsured motorist coverage?
Most Colorado auto policies include UM/UIM coverage, but limits and exclusions vary. We review your declarations page, endorsements, and policy language to confirm coverage, applicable limits, and any stacking options (combining limits across multiple vehicles or policies). If coverage exists but you're unsure, we request a formal coverage opinion from your insurer.
How long do I have to file a UM/UIM claim?
Colorado law requires you to notify your insurance carrier within a reasonable time after the crash—typically within days or weeks. You must also comply with your policy's notice and cooperation provisions. A formal claim deadline (statute of limitations) typically runs three years from the date of injury, but policy conditions may impose earlier cutoffs. We ensure all notices and deadlines are met.
Will this cost me money?
We handle UM/UIM claims on a contingency fee basis. You pay nothing upfront and nothing if we don't recover. Our fee is a percentage of the settlement or verdict proceeds, paid only after you receive compensation. We also advance costs for investigation, experts, and court fees, which we recover from the settlement or judgment.
What if my damages exceed my UM/UIM limits?
If you carry low UM/UIM limits and high damages, an underinsured motorist (UIM) claim may apply if the at-fault driver's liability limits are also insufficient. Some policies allow stacking, which multiplies available limits. We analyze all available coverage sources and pursue every dollar of recovery available to you under your policy and applicable law.
Can the insurance company deny my UM/UIM claim?
Yes. Insurers may dispute fault, argue the other driver is insured, claim your injuries are unrelated to the crash, or contend your damages are excessive. We fight these denials by investigating the accident thoroughly, proving the other driver's liability, and documenting your losses with medical and economic evidence. If the insurer refuses a fair offer, we litigate in Pueblo County District Court.
Discuss your Pueblo accident
Free consultation. No attorney fee unless we recover for you.