El Paso County · Uninsured and underinsured motorists
Security-Widefield Uninsured and underinsured motorists Lawyers
Security-Widefield uninsured and underinsured motorist lawyers. Free consultation. No fee unless we recover for you.
How a Security-Widefield UM/UIM Claim Works
McCormick & Murphy are Security-Widefield uninsured motorist accident lawyers for people hurt in Security-Widefield. We get the El Paso County Sheriff’s Office report, the UCHealth Memorial Hospital Central in Colorado Springs records, and file in El Paso 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 protection. This is a first-party claim against your own insurer, but it does not work like a simple reimbursement request. Your insurer will require you to prove the other driver caused the crash and will push back on the value of your injuries just as a liability adjuster would.
That dual burden is what makes UM/UIM claims harder than people expect. You have to establish fault for the underlying wreck on roads like U.S. Highway 85, Bradley Road, Fontaine Boulevard, or Widefield Boulevard, and you have to document the full extent of your medical treatment, lost income, and other losses. Your own carrier is still a business reviewing the claim with an eye toward limiting payout.
We handle the claim from both directions. We build the fault case against the uninsured or underinsured driver, and we build the damages case your insurer has to evaluate fairly under your policy. If the claim cannot be resolved through negotiation, matters can proceed through the El Paso County Combined Courts.
What We Gather to Support Your Claim
Proving a UM/UIM claim means assembling the same fault evidence you would need in any crash case: police reports from responding agencies such as the El Paso County Sheriff's Office, witness statements, photos of the scene and vehicle damage, and any available video. We also work to identify every policy that may apply, including your own UM/UIM coverage, any household policies, and coverage the at-fault driver may have carried that falls short of your losses.
On the damages side, we gather treatment records, including care connected to providers such as UCHealth Memorial Hospital Central in Colorado Springs, along with wage documentation and other proof of how the crash affected your life. We also review your policy's language on coverage elections, offsets for amounts already paid by the at-fault driver's insurer, and any notice requirements your policy imposes, so your claim is presented the way your insurer's own contract requires.
- Report the crash and get a copy of the police report
- Find your own auto policy and check for UM/UIM coverage
- Photograph vehicle damage and the crash scene if possible
- Keep records of all medical treatment and missed work
- Notify your insurer promptly and keep copies of all correspondence
Serving Security-Widefield and Surrounding El Paso County
Security-Widefield sits along busy corridors like Fontaine Boulevard and Widefield Boulevard, with regular traffic heading toward Fountain, Colorado Springs, and Fort Carson. U.S. Highway 85 and Bradley Road see a steady mix of commuters, military traffic, and commercial vehicles, and not every driver on these roads carries adequate insurance.
We represent clients from Security-Widefield and nearby communities including Pueblo and Monument whose crashes leave them facing an uninsured or underinsured driver. Our office is located at 929 W Colorado Ave in Colorado Springs, a short distance from Security-Widefield, and we are available at (719) 389-0400.
Losses We Pursue in UM/UIM Claims
- Past and future medical treatment
- Lost wages and reduced earning capacity
- Pain and suffering
- Out-of-pocket expenses related to the crash
- Loss of enjoyment of daily activities
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 Uninsured Motorist Accident Lawyers FAQ
What is the difference between uninsured and underinsured motorist coverage?
Uninsured motorist coverage applies when the at-fault driver has no insurance at all. Underinsured motorist coverage applies when the at-fault driver has insurance, but their policy limits are not enough to cover your full losses.
Do I have to prove the other driver was at fault even though this is my own insurance?
Yes. Your insurer will require proof that the other driver caused the crash before paying a UM/UIM claim, similar to how a liability insurer would evaluate fault.
Will my insurance rates go up if I file a UM/UIM claim?
This depends on your policy and insurer, and it is a fair question to raise with your agent or with us directly. We can discuss what to expect based on the facts of your situation during a consultation.
What if the at-fault driver has some insurance, just not enough?
That is an underinsured motorist situation. We work to recover what we can from the at-fault driver's policy and then pursue the remaining gap through your underinsured motorist coverage, accounting for any offsets your policy requires.
What should I do if I'm not sure whether I have UM/UIM coverage?
Check your policy declarations page or contact your insurance agent to confirm. We can also review your policy with you during a free consultation to identify what coverage may apply to your crash.
Discuss a Security-Widefield crash
Free consultation. No attorney fee unless we recover for you.