El Paso County · Uninsured and underinsured motorist
Security-Widefield Motorcycle UM/UIM Lawyers
Security-Widefield motorcycle um/uim lawyers for riders hurt in Security-Widefield. Free consultation. No fee unless we recover for you.
When the At-Fault Driver's Insurance Isn't Enough
McCormick & Murphy are Security-Widefield motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in El Paso County Combined Courts.
Some crashes on U.S. Highway 85 or Bradley Road involve a driver who carries no liability insurance at all, or a driver whose limits are too low to cover what a motorcycle rider suffers in a collision. In those cases, the injured rider's own uninsured or underinsured motorist coverage may come into play, if it exists on the policy. What matters is the specific language of that policy, not general assumptions about what motorcycle coverage usually includes.
We do not assume every motorcycle policy includes UM or UIM coverage. Some riders have it, some do not, and the limits vary from one policy to the next. Before we can tell a client what options exist, we need to read the actual policy and understand what was purchased.
When UM or UIM coverage does apply, the rider is effectively making a claim against their own insurer, standing in the shoes of the at-fault driver. That claim still requires proof of fault and proof of injury, the same as any other. The insurer reviewing the claim has its own interests, which is why the details of the policy and the facts of the crash both matter from the start.
Building the UM/UIM Claim
The first step is confirming whether the at-fault driver had insurance, and if so, whether the limits are enough to cover the rider's injuries. We also need the rider's own policy to see what UM or UIM coverage, if any, applies and what conditions come with it. Police reports, witness accounts near Fontaine Boulevard or Widefield Boulevard, and medical records from providers such as UCHealth Memorial Hospital Central all help establish the extent of the injuries and the losses tied to the crash.
Not every low offer or denial from an insurer means the company acted improperly. Insurers are allowed to dispute value or coverage questions. If a rider believes a carrier handled a UM or UIM claim unfairly, our insurance bad-faith page covers what that can look like and how those situations are evaluated separately from the underlying injury claim.
- A copy of your own motorcycle insurance policy
- Any information you have on the at-fault driver's insurance status
- The police report from the crash
- Medical records documenting your injuries and treatment
- Any written communication from insurers about the claim
Security-Widefield and El Paso County
Security-Widefield sits along the U.S. Highway 85 corridor near Fountain, with local roads like Bradley Road, Fontaine Boulevard, and Widefield Boulevard carrying a mix of commuter and local traffic. Motorcycle crashes involving uninsured or underinsured drivers can happen on any of these roads, and when they do, the rider's own policy often becomes central to recovering compensation.
Claims arising from crashes in this area, including UM or UIM disputes, may be handled through El Paso County Combined Courts. Our office at 929 W Colorado Ave in Colorado Springs is available for riders in Security-Widefield who want to sit down and go over their policy and their options.
What May Be Recoverable
- Medical expenses tied to the crash
- Lost income from time away from work
- Pain and suffering
- Future medical needs 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 Security-Widefield — 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.
Security-Widefield Motorcycle UM/UIM Lawyers FAQ
Do I need Security-Widefield motorcycle um/uim lawyers after a crash?
Call Security-Widefield 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 929 W Colorado Ave, Colorado Springs, CO 80905.
What if the driver who hit me had no insurance at all?
If the at-fault driver was uninsured, your own uninsured motorist coverage may apply, depending on your policy. We would need to review your policy language to see what coverage exists and what it requires.
Does every motorcycle policy in Colorado include UM or UIM coverage?
No. Not every policy includes this coverage, and limits vary widely among riders who do carry it. We look at your specific policy to determine what applies to your situation.
What is underinsured motorist coverage?
Underinsured motorist coverage may apply when the at-fault driver has insurance, but their limits are not enough to cover your injuries. Your own policy's UIM coverage, if you have it, may help cover the gap.
My insurer denied my UM claim or offered very little. Does that mean they acted in bad faith?
Not automatically. Insurers can dispute coverage or value without that being bad faith. If you believe your carrier handled your claim unfairly, our insurance bad-faith page explains how those situations are evaluated.
How do I know if I have UM or UIM coverage?
The only way to know for certain is to review the declarations page and terms of your own motorcycle insurance policy. Bring your policy to a consultation and we can go through it with you.
Discuss a Security-Widefield motorcycle crash
Free consultation. No attorney fee unless we recover for you.