SERVING THE DENVER METRO AREA & ALL OF COLORADO
Uninsured and Underinsured Motorist Claims
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We Advise Clients About UM/UIM Claims
In the most serious car accident cases, it often happens that the other driver's insurance coverage falls short of what it will take to cover the whole range of your losses. If your total damages are $200,000 and the other driver's insurance limits are only $100,000, you've got a problem.
Contact a knowledgeable attorney at Norton Law Offices for a free consultation about your options for getting the most out of your own uninsured or underinsured motorist (UM/UIM) coverage, which is meant to protect you when the other driver's policy limits can't meet your claims or doesn't even exist.
Call Denver personal injury lawyer Dallas Norton at 888-695-4521
In the ideal situation, a car accident victim presents a damages claim to the insurer for the driver at fault and collects money up to the limit of the liability coverage, then presents the claim to his or her own insurer and collects the difference up to the limit of the underinsured motorist policy.
It's seldom that simple. Your own insurer is very likely to fight you on the amount of your damages or try to avoid liability altogether on the basis of some procedural fine print in the policy. To get the full benefit of your UIM coverage, you might have to prove your case all over again. Your own insurance company may be not your friend, and may not even be a good neighbor – often these insurers need to be reminded of Colorado’s bad faith laws.
Dallas Norton's experience pursuing UM and UIM claims under Colorado insurance law can give you a significant advantage whenever your losses exceed the other driver's insurance coverage in a car or motorcycle accident.
If the other driver is uninsured, you might have to sue your own insurer
Uninsured motorist coverage under your own policy is meant to protect you if the other driver has no insurance or cannot be identified, as in the case of a hit-and-run accident. Colorado has one of the highest rates of uninsured drivers in the country, with various estimates ranging between 15 and 20 percent, according to the Insurance Research Council.
In our experience, your own insurer will likely pay the property loss part of your claim without any problems, and then fight you tooth and nail on your injury claims. One way to improve your chances for a full settlement is to locate alternative defendants who might be at least partially responsible for your losses, such as a county engineering department responsible for negligent placement of road signs or signals.
We're prepared to prove your personal injury or wrongful death claim against your own insurer under your uninsured motorist policy, because that's what it usually comes to. Essentially, we have to prove the absence of your own negligence as a way of establishing the fault of the missing other driver. We also have to prove your damages, often through experts, in carefully documented and clearly presented terms. We've done it before for many clients, and we can do it for you.
To learn more about the range of our experience with difficult UM/UIM insurance claims, contact Norton Law Offices. We make visits at your home and are available on evenings and weekends.
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9800 Pyramid Ct., 4th Floor | Englewood, CO 80112 | Phone: 303-400-4731 | Fax: 303-400-4733 | E-Mail Us
Norton Law Offices, P.C., in Englewood, Colorado serves the needs of personal injury and wrongful death clients in cities including Greater Denver, Western Slope and Front Range communities including Aurora, Littleton, Highlands Ranch, Castle Rock, Centennial, Greenwood Village, Monument, Parker, Thornton, Brighton, Federal Heights, Boulder, Broomfield, the Denver Tech Center, Adams County, Denver County, Douglas County, Arapahoe County, Jefferson County, Boulder County and Broomfield County.
Copyright 2009 by Norton Law Offices, P.C. All rights reserved.
CALL FOR FREE ADVICE ABOUT YOUR CASE TOLL FREE: 888-QUIK LAW LOCAL: 303-400-4731
(888-784-5529)
Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.
When You Need to Know Now
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(888-784-5529)
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