Pueblo County · Uninsured and underinsured motorist
Pueblo West Motorcycle UM/UIM Lawyers
Pueblo West motorcycle um/uim lawyers for riders hurt in Pueblo West. Free consultation. No fee unless we recover for you.
When the Other Driver Can't Pay
McCormick & Murphy are Pueblo West motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Pueblo County Combined Courts.
Not every driver on U.S. Highway 50, McCulloch Boulevard, or Pueblo Boulevard carries insurance, and some who do carry limits too low to cover a serious motorcycle injury. When that happens, the rider's own policy may come into play through uninsured motorist (UM) or underinsured motorist (UIM) coverage, depending on what that policy actually says.
UM and UIM coverage are not automatic add-ons on every motorcycle policy, and the amount of coverage varies from rider to rider. Whether a claim exists, and how much may be available, depends entirely on the specific policy language in force at the time of the crash. We review that language closely before telling a client what options exist.
Filing a UM/UIM claim means making a claim against your own insurer. That insurer is not automatically on your side just because you pay premiums to them. We handle the claim, the documentation, and the negotiation so the rider isn't navigating that process alone while recovering from injuries.
Building the UM/UIM File
A strong UM/UIM claim starts with proof that the at-fault driver was in fact uninsured or underinsured, and proof of the full extent of the rider's injuries and losses. That means police reports from the crash scene, information about the at-fault driver's coverage status, and complete medical records, potentially including care received at UCHealth Parkview Medical Center in Pueblo.
We also gather the rider's own policy documents and any prior correspondence with the insurer. Because the policy language controls what coverage applies, we read it carefully rather than assume coverage exists at any particular level. That review shapes how we present the claim and respond to whatever position the insurer takes.
- Your own auto/motorcycle insurance policy and declarations page
- Police report noting the other driver's insurance status
- Photos of the crash scene near Joe Martinez Boulevard or wherever it occurred
- All medical records and bills related to the crash
- Any letters or claim numbers from your insurer
Handling UM/UIM Claims in Pueblo West
Motorcycle crashes on stretches like McCulloch Boulevard or near the Pueblo Boulevard corridor sometimes involve drivers with no insurance or minimal coverage. When that happens, riders in Pueblo West need to know what their own policy provides before assuming they have no recourse.
If a UM/UIM claim turns into a lawsuit, it may be filed in Pueblo County Combined Courts. Our office at 301 N. Main Street, Pueblo, CO 81003 handles these claims for riders throughout the Pueblo West area, from initial policy review through litigation if it becomes necessary.
What a UM/UIM Claim May Cover
- Medical expenses tied to the crash
- Lost income during recovery
- Pain and suffering
- Future medical care related to the injury
- Property damage to the motorcycle
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Pueblo West — 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 West Motorcycle UM/UIM Lawyers FAQ
Do I need Pueblo West motorcycle um/uim lawyers after a crash?
Call Pueblo West 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 301 N. Main Street, Pueblo, CO 81003.
How do I know if my policy has UM or UIM coverage?
Not every motorcycle policy includes this coverage automatically, so you need to check your declarations page or policy documents. We can review the language with you during a free consultation to see what applies.
What if the other driver had some insurance but not enough?
That's typically an underinsured motorist (UIM) situation rather than an uninsured one. Whether your policy fills that gap, and by how much, depends on your specific coverage terms.
Is my own insurer required to pay me if I have UM coverage?
If your policy includes UM or UIM coverage and the facts support a claim, your insurer should evaluate it fairly. A low offer or a denial isn't automatically bad faith, though we do look closely at how the claim was handled.
What if my insurer denies my UM/UIM claim?
A denial doesn't necessarily mean the insurer acted improperly, but it does mean the claim needs a closer look. If you believe the handling was unreasonable, see our insurance bad-faith page for more on how we evaluate that.
Do I need to notify my insurer right away after the crash?
You should notify your insurer promptly, though we won't quote a specific deadline here since policy terms vary. Contact us so we can help you handle notice correctly and protect your claim.
Discuss a Pueblo West motorcycle crash
Free consultation. No attorney fee unless we recover for you.