Adams and Jefferson counties · Uninsured and underinsured motorists
Westminster Uninsured and underinsured motorists Lawyers
Westminster uninsured and underinsured motorist lawyers. Free consultation. No fee unless we recover for you.
How a Westminster Uninsured Motorist Claim Works
McCormick & Murphy are Westminster uninsured motorist accident lawyers for people hurt in Westminster. We get the Westminster Police Department report, the CommonSpirit St. Anthony North Hospital records, and file in Adams County Justice Center or Jefferson County Courts.
UM/UIM is a first-party claim, meaning you file it against your own insurer rather than the other driver. But your insurer does not simply pay out because the other driver lacked coverage or carried too little. You still have to prove that the other driver was at fault for the crash and that your damages are real and documented, just as you would in a claim against that driver directly.
We see this situation often on roads around Westminster, including U.S. Highway 36, I-25, Federal Boulevard, and 120th Avenue. A driver runs a light, merges unsafely, or causes a rear-end collision, and it turns out they have no insurance or carry only minimum liability limits that don't come close to covering your medical bills and lost income. That's when your own UM/UIM coverage, if you purchased it, becomes the path to recovery.
Your insurer is your contractual partner in this process, but it is also evaluating your claim the way any insurer does: looking for reasons to minimize what it pays. We handle the claim so you are not negotiating alone against an adjuster who works for the company footing the bill.
What We Gather to Support Your Claim
Because you still must prove fault and damages, we build the case as if the other driver were insured. That means the police report from Westminster Police Department, witness accounts, photos from the scene, and any available data about how the crash happened on roads like Federal Boulevard or 120th Avenue. We also confirm the other driver actually lacked insurance or had limits too low to cover your losses, since that threshold fact triggers your UM/UIM coverage in the first place.
We also look closely at your own policy and any other policies that might apply, since coverage stacking, household policies, or umbrella coverage can affect what's available. We gather medical records tied to treatment, often involving CommonSpirit St. Anthony North Hospital, wage documentation if you missed work, and a clear accounting of your losses so your insurer has no excuse to undervalue the claim.
- Report the crash to Westminster Police Department and get a copy of the report
- Confirm whether the other driver had insurance and how much
- Review your own policy for UM/UIM coverage and limits
- Keep all medical records and bills from treatment
- Notify your insurer of the claim and avoid recorded statements without guidance
Handling UM/UIM Claims From Westminster and Nearby Areas
Westminster sits at a crossroads of Adams and Jefferson counties, and crashes here can end up in either the Adams County Justice Center or Jefferson County Courts depending on where the collision occurred. We're familiar with how claims move through both systems and what local insurers expect to see before they'll pay a UM/UIM claim fairly.
We also represent people hurt in collisions in Broomfield, Arvada, Northglenn, Thornton, and Wheat Ridge who carry UM/UIM coverage and found themselves facing an uninsured or underinsured driver. The roads connecting these communities, especially U.S. Highway 36 and I-25, see a steady mix of commuter and regional traffic, and not every driver on them carries adequate insurance.
Losses We Pursue in UM/UIM Claims
- Medical expenses from treatment and ongoing care
- Lost wages and reduced earning capacity
- Pain and suffering tied to your injuries
- Out-of-pocket costs related to the crash
- Property damage not covered elsewhere
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 Uninsured Motorist Accident Lawyers FAQ
Do I have to sue the other driver if they're uninsured?
No. UM/UIM is a claim against your own insurance policy, not a lawsuit against the uninsured driver. You still need to show that driver was at fault, but the claim itself is handled through your insurer.
What if the other driver had some insurance but not enough?
That's an underinsured motorist, or UIM, situation. Your own UIM coverage can make up the difference between what the other driver's policy pays and the full value of your damages, if you carry that coverage.
Will my insurance rates go up if I file a UM/UIM claim?
This is a common concern, but UM/UIM claims typically involve fault that isn't yours, since you're recovering because another driver caused the crash. We can't speak to how any specific insurer handles rates, but the coverage exists precisely for this situation.
What if I'm not sure whether I have UM/UIM coverage?
Many Colorado drivers have this coverage without realizing it, since it's often included unless specifically declined in writing. We can help you review your policy to find out what applies.
Why would my own insurer fight my UM/UIM claim?
Even though it's your policy, the insurer is still paying out money and will evaluate the claim critically, questioning fault, injury severity, or the value of your losses. That's why it helps to have the claim handled with the same care as a claim against another driver's insurer.
Discuss a Westminster crash
Free consultation. No attorney fee unless we recover for you.