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uninsured/underinsured motorist accidents Archives

Getting the right help after a "phantom driver" accident

Most vehicle accidents involve a physical collision between two or more cars, trucks or other automobiles. These accidents can be damaging and very dangerous to Denver residents. However, accidents can also occur when two vehicles never touch, but one causes the other to suffer a collision.

Steps to take after an accident with an uninsured motorist

It may seem to Denver residents that motor vehicle insurance is a pointless expense as long as they stay out of trouble and avoid traffic collisions. Unfortunately, though, even the best drivers cannot keep negligent drivers from crashing into them and causing both personal injuries and property damage through automobile accidents. When a vehicle crash occurs, once drivers have ensured that they are physically sound, most speak with the other drivers involved in their crash and exchange contact and insurance information.

How to handle a car accident with an uninsured driver

Most Denver area residents will be in an at least one car accident during their driving career. Most of the time, these accidents don't cause serious injuries or damage, but sometimes these accidents can be serious. If the other driver has no insurance coverage, there are some things for the victim to keep in mind.

How uninsured motorist coverage can and can't protect you

Because of the unfortunate propensity of some individuals to drive with no or limited insurance coverage, many Coloradans opt to add uninsured/underinsured motorist coverage to their policies. If you haven't added this coverage to your policy, you need only call your insurance carrier because, in Colorado, all insurers are required to make it available to their customers.

Uninsured motorist accidents and medical expenses

Every car accident you are ever in, even a minor fender bender, is going to cause you some measure of inconvenience. And a major accident can leave you with serious injuries and a demolished vehicle. But if the accident was the fault of another driver, at least you can have your expenses paid by his or her insurance company, right? Well, maybe.

Skimping on insurance can cost you in the long run

Unfortunately, when it comes to choosing auto insurance, there is no one option that works for everyone. This means that when it comes time to purchase a policy, it is a good idea to explore all of your available alternatives. Simply using price as your primary guideline could be a very bad mistake, as you may not get the kind of coverage that you really need. And the worst time to realize that your policy or the company you chose is lacking is after you file a claim.

A shocking percentage of drivers are uninsured

One of the most serious problems facing car owners is the prevalence of uninsured and underinsured drivers using our public roadways. And while it is a legal requirement in almost every state to carry at least some measure of auto insurance, far too many people opt to hit the streets lacking coverage. This poses serious problems for those who are in accidents caused by uninsured drivers. If a liable driver lacks coverage, then it is the victim who is left to cover all the expenses generated by the accident.

What is a phantom vehicle accident?

You are driving along a road you may have traveled hundreds of times without incident. However, on this day, a car veers into your lane, and in a split second reaction, you swerve to avoid a collision and crash into another vehicle. It is over so fast that, by the time you realize what happened, the other car has driven on and out of sight. This is what is known as a phantom vehicle accident.

Protect yourself against the underinsured

Chances are, if you are in Colorado and are involved in a multi-vehicle accident, one of the other vehicles will be driven by someone who is either an uninsured motorist or an underinsured motorist. This is because of all the states in the US, Colorado has one of the higher rates of motorists operating vehicles without adequate insurance. Motorists can protect themselves from such an event by including coverage against those drivers within their insurance plan. In fact, many policies already have some sort of coverage for this.

Repeat offender kills cyclist and flees scene

Many cyclists face dangers during their rides. They take to roadways, navigating foothills, finding scenic spots or hitting more challenging paths in order to prove their abilities and attain a sense of accomplishment. But these roadways are wrought with danger as distracted motorists become an increasingly common problem.

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