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Accidents involving uninsured and under insured drivers can always prove difficult. When a driver is lucky enough to carry an uninsured/ underinsured motorist policy, this policy will compensate an individual for their injuries even if the driver responsible for them has no insurance or means of making financial restitution. Uninsured and underinsured motorist policies are required by law to be made available to all drivers by the insurance companies who offer automobile insurance policies within the state. However, these policies are not required in Colorado and the decision to have uninsured motorist insurance is entirely the decision of each automobile insurance policy owner.
Uninsured Drivers in Colorado
Uninsured motorist coverage can vary in the amount of injury and damages it will cover, but in general if limits are high enough, uninsured motorist insurance will act as if it is the insurance of the driver who is responsible for an accident. This means that this policy will be legally required to pay fair compensation for injury and damages the same way as any other insurance policy would be when liability for an accident is proven. However, the coverage of an uninsured motorist policy often only includes accidents caused by the uninsured driver.
It is common for insurance companies to do all they can to minimize the amount they pay out in an attempt to maximize profits. Insurance companies often employ this strategy when compensating any individual when an accident occurs. This even includes their own policy owners. In the case of uninsured motorist claims, individuals are making a claim to their own insurance company in reference to the responsibility of another driver. This is a unique set of situations and insurance companies often approach them with hostility. This includes arguing against their policy holders claim that the uninsured motorist was responsible for the accident and trying to settle for as little as possible for the injuries and damages that are proven to be the result of the accident.
Often having to fight against their own insurance company surprises people and they are taken off guard. Help is available to get you the full compensation you deserve, even when insurance companies are not cooperating.
Contact Aurora Car Insurance & Injury Law Firm
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.
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