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After you have been involved in a car accident that was the fault of another driver, you probably expect to exchange insurance information and that the other driver has sufficient insurance to cover your expenses and injuries caused by the accident. However, this is not always the case, and many times the at-fault driver is uninsured or underinsured, meaning they do not have enough insurance to pay for all of your damages. Also, many hit and run accidents occur and either they do not have insurance or cannot be found, rendering them uninsured.
Colorado law requires automobile owners to maintain at least the minimum bodily injury liability insurance coverage of $25,000 per person/$50,000 per incident. If you have suffered serious injuries these minimal limits may not be adequate to fully compensation you for your injuries and damages. Further, many people simply ignore the law and drive without insurance. Colorado law requires all insurance companies to offer uninsured and underinsured motorist (UM/UIM) coverage to their policy holders. If you have purchased UM/UIM coverage, your own insurance may provide additional coverage in a situation where the at-fault driver does not have insurance or is underinsured.
If you find yourself in a situation where the at-fault driver was underinsured or uninsured in Denver, it is important to immediately contact an experienced personal injury lawyer today. Under Colorado law, anyone who has suffered injuries or losses in a car accident only has a short period of time to file a lawsuit for the damages they sustained against the negligent party. This time period, which is known as a statute of limitations or SOL is only three years for motor vehicle tort claims, according to section 13-80-107.5 of the Colorado Revised Statutes. After this time period has passed, the statute of limitations bars the injured party from filing a claim for their damages. Therefore, it is important to contact a personal injury attorney immediately after you have been involved in a car accident.
If you sustained serious injuries or your loved one was killed in a motor vehicle accident caused by an uninsured or underinsured motorist, you should seek legal representation as soon as possible. The Law Office of Jennifer L. Donaldson represents clients Longmont, Centennial, Boulder, Aurora, Lakewood, Arvada, Littleton, Thornton, Westminster, and many surrounding areas of Colorado.
Jennifer Donaldson is a Denver personal injury attorney with over a quarter-century of civil litigation experience. Call (303)-458-5000 right now to have her review your case during a free, no obligation consultation.
The Colorado Revised Statutes § 10-4-609 provides increased protection for individuals who have been injured in a car accident by a negligent uninsured or underinsured motorist. If you were injured in a car accident due to the negligence of an underinsured motorist, your own automobile insurance may cover damages in excess of the other party’s insurance policy limits.
For example, if the negligent driver’s policy limits were not sufficient to cover the full amount of your damages, you may be able to recover under the full policy limits of the underinsured driver’s bodily injury insurance AND under the full policy limits available for uninsured or uninsured motorist (UM/UIM) coverage of your insurance policy.
If you have been injured in an accident, you may be tempted to settle with the at-fault driver's insurance company. However, if not careful, you may jeopardize your right to recover additional compensation under your uninsured/underinsured motorist policy.
It is important to consult with an experienced lawyer before you settle with the liability insurer or obtain written approval of the settlement from your uninsured/underinsured motorist insurance carrier before accepting any settlement offers.
Did you suffer catastrophic injuries or was your loved one killed as the result of an uninsured or underinsured driver's negligence? The Law Office of Jennifer L. Donaldson helps victims in Boulder County, Adams County, Denver County, Arapahoe County, and Jefferson County explore their options in these types of cases.
Denver personal injury lawyer Jennifer Donaldson provides her clients with an unparalleled level of personal attention, and she conducts thorough investigations as part of working toward the best possible outcomes. You can learn more about your legal options by calling (303)-458-5000 or submitting an online form to set up a free initial consultation.