John R. Fuller P.C.

1736 Race Street
Denver, CO 80206

(303) 597-4500

How does Insurance Coverage Affect Accident Recovery?

insurance policyEven when a car accident is relatively cut and dry and liability is clearly established, your ability to recover damages is limited by the ability of the at-fault party’s insurance coverage. While an experienced Denver car accident attorney can help you get the maximum amount of compensation, if the “at fault” driver does not carry insurance or carries very little, your options may be limited. Colorado State Mandatory Car Insurance Requirements All states have a mandatory minimum car insurance requirement. In the State of Colorado, all drivers are required by law to carry auto liability insurance and proof of this insurance. The minimum requirements are:
  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $15,000 property damage liability
All insurers are required to offer Colorado motorists Uninsured/Underinsured motorist coverage. While it can be rejected, most motorists do choose to carry this policy. It will pay you in the event you are involved in an accident with an uninsured or underinsured driver. While most drivers carry coverage in excess of these minimum statutory requirements, there are many drivers that do not carry insurance at all—or who carry below the minimum requirements. Knowing insurance policy limits is extremely important. Your attorney may be able to file a claim against the “at fault” driver’s insurance policy and then tap into your own UM/UIM policy if the other driver doesn’t carry enough insurance coverage to meet your medical expenses. In some cases, your attorney may also be able to file a personal injury lawsuit seeking additional compensation, which may include garnishing wages or attacking the responsible party’s assets. While insurance coverage doesn’t affect the emergency medical care you receive, knowing that you don’t have compensation for your injuries can play a large role in your recovery. Accident victims who don’t have insurance may live in pain, rather than pay for pricey prescription painkillers; they may refuse additional surgeries that could improve their prognosis; or they may avoid attending therapies due to the expense. This can lead to future complications or a chronic level of pain/suffering. Contact an Aurora and Denver Car Accident Attorney If you or someone you love has been injured by another person’s negligence, it is important to retain the services of an experienced Denver accident attorney immediately. At the law offices of John R. Fuller, P.C., we fight aggressively for our injured accident victims and their families. We understand the complications that can arise after a devastating accident and work tirelessly to ensure that you receive the money you need to recover. Contact our Denver car accident attorneys for a free initial consultation to learn how we can help. Call us at 303-597-4500. We’re available 24/7 by phone, fax and e-mail.