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In Colorado, all motorists are required by law to carry motor vehicle insurance. Required insurance minimums are as follows:$25,000 per person for bodily injury;$50,000 per accident for bodily injury; and $15,000 per accident for property damage. Unlike individuals in many other states, individuals in Colorado are not required to carry uninsured motorist insurance by law. Uninsured motorist insurance is available for everyone but most people choose to decline uninsured motorist coverage to keep their total premium amounts low. Unfortunately, if an individual is in an accident with an uninsured motorist and they don’t have uninsured motorist insurance, the individual will be left paying all costs out of pocket.
The minimum insurance coverage in Colorado is rather low compared to the ballooning cost of medical treatment. In cases where significant medical treatment is necessary, the cost may exceed the maximum amount covered by an individual’s insurance. So even when another driver is responsible for your injuries in a car accident, if the total cost of your treatment exceeds their coverage limits, you are left paying the difference out of pocket.
There is however an alternative to shouldering the full financial burden when you are involved in an accident with an uninsured motorist. You can file suit against the uninsured driver who was responsible for the accident which you were involved in. This requires the help of an attorney and is often a person’s only chance to receive any compensation for injuries sustained in an accident with an uninsured motorist if that individual does not have an uninsured motorist policy. Filing suit may also be the only option available to an person who’s medical expenses exceed the coverage limit of the responsible parties insurance.
If you were involved in an accident with an uninsured or underinsured motorist and are confused by your options, contact Fuller Law to learn more about your legal options and to receive a free initial consultation. Fuller Law has been handling personal injury cases for several years in Colorado and has helped hundreds of clients get the compensation they deserved.
Contact an Aurora and Denver Insurance Bad Faith Attorney
Contact Denver Personal Injury Attorney John R. Fuller immediately by phone or e-mail to discuss your insurance dispute or bad faith claim. John will arrange your free initial consultation and discuss the different legal issues surrounding your case.
Our Colorado Law Firm is available 24/7. We always return after-hours phone calls promptly. Servicios del intérprete disponibles.