Huerfano County · Uninsured and underinsured motorist
Walsenburg Motorcycle UM/UIM Lawyers
Walsenburg motorcycle um/uim lawyers for riders hurt in Walsenburg. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Has No Insurance, or Not Enough
McCormick & Murphy are Walsenburg motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Huerfano County Combined Courts.
Around Walsenburg, we see crashes on I-25, U.S. Highway 160, Colorado Highway 10, and Main Street where the driver who caused the wreck either carries no liability insurance or carries limits that fall far short of a rider's medical bills and losses. When that happens, the rider's own motorcycle policy may come into play through uninsured motorist or underinsured motorist coverage, if that coverage is part of the policy.
Whether UM or UIM coverage applies, and how much is available, depends entirely on the specific policy language. We review the declarations page and the policy terms to determine what coverage exists and how it interacts with the at-fault driver's insurance, if any.
These claims are filed against the rider's own insurer, which can create a different dynamic than a standard third-party claim. The insurer that owes loyalty to the rider is now also the party deciding how much to pay, which is why careful documentation and a clear presentation of the claim matter.
Building a UM/UIM Claim
We start by confirming whether the at-fault driver had any insurance at all, and if so, what the limits were. Police reports from crashes near La Veta or along Highway 160 often note insurance information, and we follow up directly with insurers to verify coverage before deciding whether a UM or UIM claim is the right path.
From there, we gather medical records from providers such as Spanish Peaks Regional Health Center, repair estimates for the motorcycle, and any documentation of lost income or ongoing treatment. This record helps show the full extent of the rider's damages, which matters when an underinsured driver's limits are exhausted and the rider's own carrier is asked to cover the difference.
- The police report showing the at-fault driver's insurance status
- Your own motorcycle insurance policy and declarations page
- Medical records and bills tied to the crash
- Photos of the scene, the bike, and any visible injuries
- Any correspondence with the at-fault driver's insurer, if one exists
Handling UM/UIM Claims from Walsenburg
We handle motorcycle UM and UIM claims arising from crashes throughout Huerfano County, including along I-25, Highway 160, Highway 10, and in and around La Veta. If a lawsuit becomes necessary, these cases can proceed through Huerfano County Combined Courts.
Our office is at 301 N. Main Street in Pueblo, and we meet with Walsenburg-area riders to review their policies and crash details. A low offer or a denial from your own insurer is not automatically bad faith, but if you believe your carrier mishandled your claim, our insurance bad-faith page explains what that can look like.
What UM/UIM Coverage May Address
- Medical bills tied to the crash
- Future medical treatment for ongoing injuries
- Lost income from time away from work
- Pain and suffering
- Property damage to the motorcycle, depending on the policy
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Walsenburg — 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.
Walsenburg Motorcycle UM/UIM Lawyers FAQ
Do I need Walsenburg motorcycle um/uim lawyers after a crash?
Call Walsenburg 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 301 N. Main Street, Pueblo, CO 81003.
Does my motorcycle policy automatically include UM or UIM coverage?
Not every policy includes it, and coverage depends entirely on your specific policy language. We review your declarations page to determine what applies to your situation.
What if the other driver had some insurance but not enough?
That is an underinsured motorist, or UIM, situation. If your damages exceed the at-fault driver's limits, your own UIM coverage, if you have it, may help cover the gap.
Is a low settlement offer from my own insurer automatically bad faith?
No, a low offer or even a denial is not automatically bad faith. Whether a carrier acted improperly depends on how it handled your claim, which is a separate issue from whether coverage applies.
Do I need a police report if the at-fault driver had no insurance?
Yes, a police report documenting the crash and the other driver's insurance status is important evidence for a UM claim. It helps establish that the at-fault driver was in fact uninsured.
How does a UM or UIM claim work if I was hurt near La Veta or on Highway 160?
The location of the crash does not change how the claim works. We would still review your policy, gather your medical and crash records, and present the claim to your insurer based on your coverage terms.
Discuss a Walsenburg motorcycle crash
Free consultation. No attorney fee unless we recover for you.