Being the victim of a motor vehicle accident is a hugely taxing and distressing experience. The trauma of the event is bad enough, but then you are left to face your injuries, along with the cost of treatment and of repairing your vehicle. In many cases, you may be able to make a claim against the responsible driver. However, if that driver is not properly insured, you could be in trouble
Liability insurance is legally required in Colorado and throughout the United States, with the exception of New Hampshire. Often this is a result of rising premiums or surcharges accumulated from a history of bad driving. Sadly, according to the Insurance Information Institute, the legal requirements have done little to reduce the numbers of uninsured drivers on the roads.
Fortunately, many insurance policies include a component that protects you in the event that you are hit by an underinsured driver. However, insurance companies will often try to minimize the amount they pay out to you. The process may seem straightforward at first, but it can be extremely complicated, and making a mistake could reduce the amount you receive.
If you need to make a claim following an accident with an uninsured or underinsured motorist, an attorney could be invaluable. He or she can help to ensure that you do not miss any vital steps when you make your claim. Furthermore, with your attorney's support, you may be better equipped to challenge your insurance provider if you feel your claim is being handled improperly.