Carrying uninsured/underinsured motorist coverage in Colorado is the best thing you can do to protect you and your family, and to ensure the necessary resources will be available in the unfortunate event that you are involved in a serious motor-vehicle collision.
It’s important to understand that your auto insurance policy is primarily designed to protect other motorists in the event you are involved in a collision for which you are found responsible. While uninsured/underinsured (UM/UIM) benefits are optional under Colorado insurance law, this coverage protects you and your family in the event you are involved in a collision with an at-fault driver who does not have insurance or lacks sufficient coverage to adequately compensate you for damages.
Mandatory minimum insurance coverage requires just $25,000 bodily injury coverage. Such coverage is completely inadequate for all but minor collisions. Experienced Denver car accident attorneys urge you carry substantially more coverage - $100,000 bodily injury coverage per person/$200,000 per collision, can be purchased for a modest increase in premiums and UM/UIM coverage can be purchased in like amounts.
Policies may also be “stacked” under Colorado law, meaning the limits can be combined on one or more policies in the household, providing additional protection.
Making sure you and your family are properly covered can provide great peace of mind and an additional avenue of recovery should you be involved in a serious motor-vehicle collision - regardless of the insurance coverage or status of the at-fault driver.
However, because these claims proceed against your own insurance carrier, you will not be treated as a customer. You will be treated as any other claimant. Statements you make to your insurance adjuster, investigators, and other parties, will be used to limit your ability to collect damages.
Reaching out to an experienced car accident lawyer in Denver is the best thing you can do to protect your rights. At Ken Fiedler law, we believe anyone dealing with an accident claim deserves access to experienced legal help. We provide free and confidential consultations to discuss your rights. We will also handle your claim on a contingency fee basis, meaning we get paid based on a proportion of damages we are successful in obtaining on your behalf.
That means you pay us nothing unless we win.
We will thoroughly review the facts and circumstances of your case, identify all responsible parties and available insurance coverage, and build a comprehensive case for all of the economic and non-economic damages to which you are entitled. In some cases, you may also be entitled to punitive damages, particularly if an insurance company acts in bad faith. While an insurance company may try to minimize the claim of an unrepresented accident victim, an insurance carrier is much less likely to do so when a victim is represented by an experienced Denver injury law firm.
Ken Fiedler Injury Law provides passionate, principled and proven representation to victims and families looking for an experienced personal injury lawyer in Denver or the surrounding areas, including Highlands Ranch, Littleton, Ken Caryl, Columbine, Golden, Lakewood, Broomfield, and Arvada.
If you’ve been injured in a Colorado or Illinois truck accident, contact Ken Fiedler Injury Law to discuss your options in a free initial consultation. You can send us an email by filling up the form below or call our Denver office at 720-996-0871 and our Chicago office at 312-788-2600.
If you or a loved one is injured, contact Ken Fiedler Injury Law at 720-706-6039 for a free and confidential consultation to discuss your rights.