Larimer County Uninsured Driver Accident Lawyers

Car Accident Attorneys for Underinsured Claims in Ft. Collins and Greeley

When you have been injured in a car accident, one of your biggest concerns is who will be held responsible for your medical expenses and the costs associated with fixing your vehicle. You may also have a number of other bills, as well as the added challenges of missed work and lost wages. In most cases, the at-fault driver is the one responsible for your losses, and such payments are usually made through his or her insurance carrier. The law in Colorado requires all vehicle owners to maintain liability insurance, but many drivers do not abide by the rules.

At Hoggatt Law Office, P.C., we know how upsetting and scary it can be to learn that the party who caused your injuries does not have enough—or any—insurance coverage. Our skilled personal injury attorneys will work with you in exploring your options and helping you recover compensation for the damages you have suffered.

Uninsured and Underinsured Motorist Coverage

Any company that sells auto insurance policies in the state of Colorado is required to offer Uninsured/Uninsured Motorist (UM/UIM) coverage to their customers. In fact, such coverage is automatically part of a Colorado auto insurance policy unless it is specifically declined by the customer in writing. Uninsured/Underinsured Motorist coverage is intended to protect victims of accidents caused by drivers who are uninsured or underinsured. A person who drives with no insurance is an uninsured driver, while an underinsured driver may have insurance coverage, but not enough coverage to pay for the damages sustained in the accident.

Every Colorado auto insurance policy must include at least $25,000 per person and $50,000 per accident in bodily injury coverage. If you have been seriously injured, however, your emergency medical bills alone could easily exceed $25,000. Factor in your long-term rehabilitation or physical therapy, lost wages, and your pain and suffering, and the minimum coverage may be woefully inadequate.

Recovering Damages in Longmont

It is possible to recover compensation for injuries caused by an uninsured or underinsured driver, but doing so is often difficult. You have the right to seek damages from the at-fault party, but there may not be much to collect from him or her. If the driver has failed to carry minimum insurance coverage, he or she is unlikely to have enough resources to compensate you for your losses. Ultimately, you may have no choice but to seek compensation from your own insurance carrier.

The skilled team at Hoggatt Law Office, P.C. has been serving the residents of Northern Colorado for more than 15 years. Our experienced lawyers realize that it not always easy to convince your insurance company to pay an Uninsured/Underinsured Motorist claim. They may be your insurance company, but that does not mean they are always on your side. Insurance companies are businesses that look for ways to minimize payouts and reduce financial liability whenever possible, even to their own customers. Your carrier may be quick to offer a settlement, but chances are good that it will be far below what you need to move forward. We are not afraid of insurance companies, and we will work hard on your behalf to get you full compensation under the law.

Schedule a Free Consultation

If you or someone you love has been injured in an accident caused by a driver without sufficient insurance coverage, contact our office for help. Call 970-225-2190 or 1-800-664-3151 to schedule a free consultation with one of our experienced personal injury lawyers today. We serve clients in Larimer County, Weld County, Boulder County, and the surrounding areas.