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uninsured/underinsured motorist accidents Archives

How exactly does underinsured motorist coverage work?

Although they are treated the same in many respects, it is important for Denver residents to have an understanding of the difference between uninsured motorist coverage and underinsured motorist coverage.

Jail sentence for Colorado driver in hit-and-run accident

Fleeing the scene of an accident is a crime in Denver. The story of a driver who was recently sentenced for doing just that illustrates the devastating effect it can have on a victim and the victim's family.

Help when injured by an underinsured or uninsured motorist

Car accidents can be troublesome enough but may be made even worse when the victim has been hit by an uninsured or underinsured driver. When an underinsured or uninsured driver has caused a car accident, it does not mean that the victim is not left with the same damages which can include injuries resulting in medical expenses, lost wages, pain and suffering and other expenses.

Hit-and-run accident injures young Denver area victim

In the event of a car accident, there are a number of steps drivers are typically required to take. First and foremost is pulling over to the side of the road, getting out and providing any necessary assistance, including calling for help. Drivers in hit-and-run accidents who flee the scene face serious legal consequences, as doing so complicates the recovery process for accident victims.

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.

What happens when an insurance company acts in bad faith?

When you are going through a stressful time, for example, recovering from a serious car accident, the last thing you need is an insurance company that acts in bad faith. That is, a company that misleads you or does not follow its obligations under Colorado law.

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.

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