Boulder County · Uninsured and underinsured motorists
Superior Uninsured and underinsured motorists Lawyers
Superior uninsured and underinsured motorist lawyers. Free consultation. No fee unless we recover for you.
How a Colorado Uninsured Motorist Claim Works
McCormick & Murphy are Superior uninsured motorist accident lawyers for people hurt in Superior. We get the Boulder County Sheriff’s Office report, the AdventHealth Avista in Louisville records, and file in Boulder County Justice Center.
When the driver who caused your crash has no insurance, or carries liability limits too low to cover your losses, you may turn to your own policy's uninsured or underinsured motorist coverage. This is a first-party claim, meaning you're making a demand against your own insurer rather than the other driver's. But your insurer does not simply pay out because you ask. You still have to prove the other driver caused the crash and prove the full extent of what you lost.
That dual burden surprises a lot of people. Your own insurance company, the one you've paid premiums to, will evaluate your claim much like an adversary would. It will look for reasons to dispute fault, question the severity of your injuries, or argue your damages are worth less than you say. We build the liability case against the at-fault driver and the damages case for your losses as if we were litigating against a stranger, because in practice that's how the insurer treats it.
UM/UIM claims also involve layers most people don't expect: policy stacking questions, underinsured motorist offsets for what the at-fault driver's limited coverage already paid, and notice requirements tied to your own policy. We sort through your policy and any household or umbrella coverage that might apply, so you're not leaving available coverage on the table.
What We Gather to Support Your UM/UIM Claim
We start with the underlying collision itself, because proving the other driver's fault is still the foundation of your claim even though you're not suing them directly. That means the police report, witness statements, photos of the vehicles and scene, and any available traffic camera or dashcam footage along corridors like U.S. Highway 36, McCaslin Boulevard, Marshall Road, or Rock Creek Parkway. We also confirm the at-fault driver's insurance status, or lack of it, early on so there's no ambiguity about why UM/UIM applies.
On the damages side, we pull together your medical records, including treatment following care at AdventHealth Avista in Louisville, wage loss documentation, and any evidence of how the injury has changed your daily life. We also identify every policy that might respond to your claim, including your own auto policy, any resident relative policies, and umbrella coverage, so we understand the full scope of what's available before we present your claim to the carrier.
- Report the crash and confirm whether the other driver had valid insurance
- Keep copies of your own auto policy and any related household policies
- Save all medical records and bills tied to the crash
- Document missed work and any changes to your daily activities
- Give your own insurer timely notice of the claim and avoid recorded statements without guidance
Handling UM/UIM Claims Near Superior
Crashes involving uninsured or underinsured drivers happen on the same roads as any other collision, including U.S. Highway 36, McCaslin Boulevard, Marshall Road, and Rock Creek Parkway. We work with police reports from the Boulder County Sheriff's Office and medical records from providers like AdventHealth Avista in Louisville to build the fault and damages record your UM/UIM claim needs.
If a dispute over your claim ends up in litigation, Boulder County matters are handled at the Boulder County Justice Center. We represent clients from Superior and nearby communities including Louisville, Broomfield, Boulder, Lafayette, and Westminster, and our office is based in Denver.
Losses We Pursue in UM/UIM Claims
- Medical expenses tied to the crash
- Lost income from time away from work
- Pain and suffering
- Future medical care related to ongoing injuries
- Loss of enjoyment of life from lasting limitations
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 Uninsured Motorist Accident Lawyers FAQ
Do I still need to prove the other driver was at fault?
Yes. Even though UM/UIM is a claim against your own insurer, you must still establish that the other driver caused the crash. Your insurer will evaluate liability much like the at-fault driver's insurer would.
What if the at-fault driver had some insurance, just not enough?
That's an underinsured motorist, or UIM, situation. Your policy can make up the difference between what the at-fault driver's insurer pays and the full value of your damages, subject to your policy's limits and any applicable offsets.
Will my own insurance rates go up if I file a UM/UIM claim?
We can't speak to how any particular insurer handles rates, since that depends on your policy and insurer's practices. We focus on building the strongest possible claim for the coverage you've already paid for.
What if I don't know whether the other driver had insurance?
We help confirm the other driver's coverage status early in the process. If they were uninsured or underinsured, that determines whether and how your UM/UIM coverage applies.
Can I use UM/UIM coverage from a family member's policy?
Depending on your situation, resident relative policies or household coverage may apply in addition to your own. We review all potentially available policies to identify every source of coverage for your claim.
Discuss a Superior crash
Free consultation. No attorney fee unless we recover for you.