Adams and Jefferson counties · Uninsured and underinsured motorist
Westminster Motorcycle UM/UIM Lawyers
Westminster motorcycle um/uim lawyers for riders hurt in Westminster. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Can't Pay
McCormick & Murphy are Westminster motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Adams County Justice Center.
Motorcycle crashes on U.S. Highway 36, I-25, or Federal Boulevard in Westminster sometimes involve a driver with no liability insurance at all, or with limits far too low to cover a rider's injuries. When that happens, the rider's own uninsured or underinsured motorist coverage may come into play. Whether it does, and how much it pays, depends entirely on the language of the policy.
We read the policy closely to see what UM or UIM coverage applies and how the insurer defines the terms. Not every motorcycle policy carries this coverage, and the amount available varies from one policy to the next, so we do not assume coverage exists until we've confirmed it in writing.
If your own insurer is asked to step in and pay because the other driver couldn't, that insurer is still your carrier, but the claim can turn adversarial fast. We handle that process and push back when the offer doesn't match the injuries.
Building the UM/UIM Claim
We start by confirming the at-fault driver had no insurance, or insufficient limits, through the police report and insurance verification. From there we pull together the same proof any injury claim needs: medical records tied to the crash, the crash report, photos, and any witness statements from the scene along Federal Boulevard, 120th Avenue, or elsewhere in Westminster and Broomfield.
We also gather the rider's own policy documents and any prior correspondence with the insurer, since the exact wording of the UM/UIM provisions controls what can be recovered. Medical treatment records from providers such as CommonSpirit St. Anthony North Hospital help establish the extent of injuries when negotiating the value of the claim.
- Your own auto and motorcycle insurance policy documents
- The police report showing the other driver had no or low insurance
- All medical records and bills from treatment after the crash
- Any letters or emails from your insurer about the claim
- Photos of the scene, the bike, and your injuries
Handling UM/UIM Claims in Westminster
Westminster sits across Adams and Jefferson counties, and a UM/UIM claim can end up filed in either the Adams County Justice Center or the Jefferson County Courts depending on where the crash happened and where the parties live. We're familiar with both courts and adjust our approach accordingly.
Riders on U.S. Highway 36, I-25, and the stretch near Broomfield often deal with fast-moving traffic and drivers who carry minimal or no coverage. We work from our Denver, CO office to represent Westminster riders in these UM/UIM disputes, whether the case settles with the insurer directly or needs to move into litigation.
What UM/UIM Coverage May Address
- Medical expenses beyond what the at-fault driver's insurance covers
- Ongoing or future treatment tied to the crash
- Lost income from time away from work
- Pain and suffering from the injuries
- Property damage to the motorcycle not otherwise covered
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Westminster — 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.
Westminster Motorcycle UM/UIM Lawyers FAQ
Do I need Westminster motorcycle um/uim lawyers after a crash?
Call Westminster 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.
Do I automatically have UM or UIM coverage on my motorcycle policy?
Not every motorcycle policy includes uninsured or underinsured motorist coverage. We review your specific policy to determine what applies and what limits are in place.
What happens if the at-fault driver has no insurance at all?
If the other driver is uninsured, your own UM coverage, if you have it, may be the source of recovery. We evaluate the policy language to see what's available.
What if the at-fault driver has insurance but not enough to cover my injuries?
That's where underinsured motorist coverage can apply, filling the gap between the at-fault driver's limits and your actual damages. Again, this depends on your policy terms.
Is a low settlement offer from my own insurer a sign of bad faith?
Not automatically. A low offer or denial can happen for legitimate reasons, but it can also reflect how the carrier is handling the claim. See our insurance bad-faith page for more on how we evaluate that.
Where would a UM/UIM dispute in Westminster be handled?
Depending on the location of the crash and the parties involved, the matter could be handled through the Adams County Justice Center or the Jefferson County Courts. We're familiar with both.
Discuss a Westminster motorcycle crash
Free consultation. No attorney fee unless we recover for you.