Denver Uninsured Motorist Attorneys
Negligent drivers are often also uninsured or underinsured drivers. Thankfully, if a victim in an auto accident has uninsured and underinsured motorist coverage, he or she may be able to pursue compensation from his or her own insurance company.At the Law Office of James H. Guest, our Denver uninsured motorist lawyers have more than 23 years of experience helping people like you get fair compensation. Our experience means we understand the methods insurance companies use to deny and minimize claims, even to their own policyholders. We will level the playing field.
How Uninsured And Underinsured Motorist Coverage Works
Colorado law now allows policyholders to stack the amount of their underinsured motorist (UIM) coverage on the amount that the negligent driver’s insurance will cover. For example, the damages in an auto accident may add up to $175,000, but the negligent driver’s policy limit may be $25,000. We will take action to get the $25,000 from the negligent driver’s insurance company. On top of that, we will take action to pursue the remaining amount from the victim’s insurance company, up to the UIM limit.
In some cases, the negligent driver may have no insurance coverage at all. We will then pursue compensation under the victim’s uninsured motorist (UM) coverage to obtain money to pay medical bills, lost wages and all other costs that would typically be covered by the negligent driver, with the exception of punitive damages.
The Unfair Claim Settlement Practices statute requires that insurance companies treat their insured parties in good faith. When an insurance company fails to do so, we may be able to pursue a bad faith claim against the insurance company and seek compensation totaling twice the covered amount plus attorney fees and more.
Contact An Underinsured Driver Lawyer Serving Denver
If you or someone close to you has suffered a serious injury because of an uninsured or underinsured motorist, we are here to stand up for your rights. Contact us online or by telephone at 303-292-2992. We offer free initial consultations, and there is no fee if there is no recovery.