Boulder County · Uninsured and underinsured motorist
Superior Motorcycle UM/UIM Lawyers
Superior motorcycle um/uim lawyers for riders hurt in Superior. Free consultation. No fee unless we recover for you.
When the At-Fault Driver's Insurance Isn't Enough
McCormick & Murphy are Superior motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Boulder County Justice Center.
Motorcycle crashes on roads like U.S. Highway 36 and McCaslin Boulevard often involve drivers who carry no liability insurance or limits far too low to cover a rider's injuries. When that happens, the injured rider's own policy may provide uninsured or underinsured motorist coverage, often called UM or UIM. Whether this coverage applies, and how much is available, depends entirely on the specific policy language.
Not every motorcycle policy includes UM or UIM coverage, and coverage amounts vary widely from one rider to the next. We review the policy itself to determine what protection exists and whether the at-fault driver's limits leave a gap that UM or UIM coverage is meant to fill.
Pursuing a UM or UIM claim means making a claim against your own insurer, which can create friction even when the claim is legitimate. We handle that process, gather the proof needed to support the claim, and push for the coverage the policy actually provides.
Building the UM/UIM Claim
A strong UM or UIM claim starts with confirming there is in fact no other insurance available, or that the at-fault driver's limits fall short of the rider's losses. That means identifying the at-fault driver's coverage, if any, and comparing it against the full scope of the rider's medical treatment, lost income, and other losses from the crash.
We also gather the same crash-scene and medical evidence used in any motorcycle injury claim, then apply it to the UM or UIM policy at issue. This documentation shows the insurer the real extent of the injuries and supports a claim for the full benefit the policy allows.
- Get a copy of your own motorcycle insurance policy
- Report the crash to your insurer promptly
- Keep all records from treatment, including care received at AdventHealth Avista
- Save any information you have about the at-fault driver's insurance status
- Avoid accepting an early settlement offer before reviewing your coverage
Superior and Boulder County
Motorcycle crashes near Marshall Road, Rock Creek Parkway, and the Louisville area sometimes involve at-fault drivers with no insurance or inadequate coverage. When that happens locally, riders often don't realize their own policy may be their best path to recovery, and insurers don't always volunteer that information.
If your UM or UIM claim heads toward litigation, it may be handled through the Boulder County Justice Center. We work with clients throughout Superior and Boulder County to sort out what coverage applies and to pursue it.
What a UM/UIM Claim May Cover
- Medical treatment and ongoing care costs
- Lost wages and reduced earning capacity
- Pain and suffering
- Property damage to the motorcycle
- Other out-of-pocket losses tied to the crash
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Superior — and read client testimonials.
After I was hit by a drunk driver with no insurance, my own insurer refused UM benefits. McCormick & Murphy sued for uninsured motorist benefits and bad faith. A jury awarded me over $900,000.
C. O., Denver · UM / bad-faith verdict
Prior results do not guarantee a similar outcome. Every case depends on its facts, coverage, venue, and evidence.
Superior Motorcycle UM/UIM Lawyers FAQ
Do I need Superior motorcycle um/uim lawyers after a crash?
Call Superior 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 in Denver, CO.
Does my motorcycle policy automatically include UM or UIM coverage?
Not necessarily. Coverage depends on the specific policy you purchased, and not every motorcycle policy includes it. We review your policy to determine what applies.
What if the at-fault driver has some insurance, but not enough?
That's an underinsured motorist situation. Your own UIM coverage, if you have it, may help make up the difference between what the at-fault driver's policy pays and what your injuries actually cost.
Is a low settlement offer from my own insurer automatically bad faith?
No, a denial or low offer is not automatically bad faith. How the carrier handled your claim matters, and we address that question in more detail on our insurance bad-faith page.
How soon should I notify my insurer about a possible UM or UIM claim?
You should notify your insurer as soon as possible after the crash rather than waiting. Delay can complicate the claim, so it's best to report it promptly and let us help guide the process.
Can I pursue a UM or UIM claim if I was treated at AdventHealth Avista?
Yes. Where you received treatment doesn't affect whether UM or UIM coverage applies. What matters is your policy language and the extent of your injuries and losses.
Discuss a Superior motorcycle crash
Free consultation. No attorney fee unless we recover for you.