Uninsured and Underinsured Accidents

Uninsured and Underinsured Driver Accidents

One of the major issues that arise from any motor vehicle accident is insurance coverage. Whose insurance company will cover medical costs? How much coverage is available?

These questions are complex enough when a negligent motorist has insurance. However, what happens if the person responsible for causing the accident does not have insurance? What if his or her policy does not provide enough insurance coverage?

Our Accident Attorneys Can Help You Understand the Insurance Issues

Car accidents involving the uninsured and underinsured require representation by a knowledgeable and experienced personal injury attorney. A lawyer can explain what type of coverage you and the other motorist in an accident may have, the various levels of coverage and the potential ramifications if a motorist is uninsured or underinsured.

It is not uncommon for an injured driver’s own insurance company to do everything it can to avoid paying out uninsured or underinsured motorist benefits that are available under the injured driver’s own policy.

Get Experienced Legal Help with Auto Accidents

At the law office of Coppola & Melonakis, we have extensive experience and knowledge when it comes to uninsured and underinsured motorist accidents. In fact, our Denver, Colorado, personal injury law firm has a very favorable track record when it comes to vehicle accident cases. Read more about our multi-million dollar Verdicts and Settlements.

Find out more about how we can help you with your uninsured or underinsured car accident case. Contact us to arrange a no-obligation consultation with one of our skilled motor vehicle accident lawyers.

We can explain what the coverage for “uninsured/underinsured motorist” actually means and the ramifications of not having this type of coverage if you have been involved in an accident with an uninsured or underinsured driver.

What Is Uninsured (UM) Motorist Coverage?

Uninsured (UM) motorist coverage is purchased for situations in which an accident involves another motorist who has no auto insurance. Even though there are statutory minimums that each driver in Colorado is supposed to carry on his or her vehicle (Colorado requires $25,000 per person/$50,000 per accident of liability coverage), there are drivers out there who do not follow the law and drive completely uninsured.

On the flip side, drivers can elect to purchase additional liability coverage with coverage amounts exceeding the statutory minimum. Some drivers also purchase umbrella policies which can provide an additional level of liability coverage in cases involving serious injury or death.

What Is Underinsured (UIM) Motorist Coverage?

Underinsured (UIM) motorist coverage is similar to UM motorist coverage but is instead applicable when another motorist does have auto insurance but his or her policy does not have enough coverage to fully compensate you for your injuries, damages and losses.

Why Do I Need an Attorney?

Having an attorney experienced with UM and UIM claims is very important because your own insurance company will often take the side of the offending driver, as a way to avoid having to pay out any financial awards to you.

Having an attorney on your side can help you better stand up to your insurance company and ensure you receive the full and fair benefits you are entitled to receive under the terms of your auto policy.

Contact an Underinsured/Uninsured Car Accident Attorney Today!

Contact Coppola & Melonakis to schedule a free initial consultation. We handle most cases on a contingency fee basis, meaning we don’t charge attorney fees unless we obtain compensation for you.