Pueblo County · Uninsured and underinsured motorists
Pueblo West Uninsured and underinsured motorists Lawyers
Pueblo West uninsured and underinsured motorist lawyers. Free consultation. No fee unless we recover for you.
How a Pueblo West UM/UIM Claim Works
McCormick & Murphy are Pueblo West uninsured motorist accident lawyers for people hurt in Pueblo West. We get the Pueblo County Sheriff’s Office report, the UCHealth Parkview Medical Center in Pueblo records, and file in Pueblo County Combined Courts.
When the driver who caused your crash has no insurance, or not enough coverage to pay for what you lost, you turn to your own policy's uninsured or underinsured motorist coverage. This is a first-party claim against your own insurer, but don't mistake that for an easy process. Your insurance company still requires you to prove the other driver was at fault and to prove the full extent of your damages, just as if you were suing that driver directly.
That means a UM/UIM claim out of a crash on U.S. Highway 50, McCulloch Boulevard, Joe Martinez Boulevard, or Pueblo Boulevard involves the same fault investigation as any other collision claim, plus an extra layer: your own insurer is now evaluating your claim, often looking for reasons to minimize or deny it. We've seen carriers dispute liability, argue about pre-existing conditions, or offer far less than a claim is worth once they know the other side has no insurance to point to.
We handle the coverage side too. That includes identifying all applicable policies, reviewing your coverage elections and limits, accounting for any offsets from other payments, and making sure required notice to your insurer was given properly. Getting this part wrong can cost you the claim regardless of how strong your injury case is.
What Proves a UM/UIM Claim
You still have to build the underlying case: fault for the crash and the full value of your damages. That means police reports, witness statements, photos from the scene, and any available data showing how the collision happened. If the Pueblo County Sheriff's Office responded to your crash, that report is a starting point, but we dig further when the facts are disputed.
On the damages side, we gather medical records from treatment at UCHealth Parkview Medical Center in Pueblo or wherever you were seen, bills, wage loss documentation, and records showing how the injury has affected your daily life. We also prepare for the carrier's own evaluation of your claim, anticipating the arguments they're likely to raise and building the file to counter them before they're made.
- Police report and the other driver's insurance information, or lack of it
- Photos of the scene, vehicles, and your injuries
- Your own auto insurance policy and declarations page
- All medical records and bills tied to the crash
- Any correspondence with your own insurance adjuster
Pueblo West and Pueblo County
Pueblo West sits along a stretch of Pueblo County that sees a mix of highway and local road traffic, from U.S. Highway 50 to McCulloch Boulevard, Joe Martinez Boulevard, and Pueblo Boulevard. Crashes on these roads aren't unusual, and not every driver involved carries adequate insurance. When that happens, your own UM/UIM coverage may be the only path to recovery.
We work with clients throughout Pueblo West, Pueblo, Boone, Colorado City, Cañon City, and Florence. If your claim involves Pueblo County Combined Courts or records from the Pueblo County Sheriff's Office, we handle that locally. Our office is at 301 N. Main Street in Pueblo, and we're reachable at (888) 668-1182.
What You Can Recover
- Past and future medical expenses
- Lost wages and reduced earning capacity
- Pain and suffering
- Permanent impairment or disfigurement
- Loss of enjoyment of life
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 Uninsured Motorist Accident Lawyers FAQ
Do I have to sue the other driver to use my UM coverage?
No. UM/UIM is a claim against your own insurance company, not a lawsuit against the uninsured driver. But you still have to prove that driver was at fault and that your damages are what you say they are.
What if the other driver has some insurance, just not enough?
That's an underinsured motorist, or UIM, situation. You can pursue the other driver's liability coverage first and then turn to your own UIM coverage for the remaining amount your damages exceed their limits.
Will my insurance rates go up if I file a UM/UIM claim?
This is a common concern, and it depends on your policy and insurer. It's worth discussing with us or your agent, but it shouldn't stop you from pursuing coverage you've already paid for.
What if my own insurance company denies my UM/UIM claim?
Insurers sometimes dispute fault, the value of the injury, or coverage questions even in UM/UIM claims. We can push back on a denial and, if necessary, pursue the claim further to get it properly evaluated.
Does it matter where in Pueblo County the crash happened?
The location affects which police agency responded and where records are kept, but the UM/UIM claim process itself is the same whether the crash was on U.S. Highway 50 or a local Pueblo West street.
Discuss a Pueblo West crash
Free consultation. No attorney fee unless we recover for you.