Were you hit by an uninsured motorist in Colorado? Learn your options for recovery
In the state of Colorado, although motor vehicle drivers are required to obtain coverage, more than fifteen percent of drivers in the state of Colorado do not carry automobile insurance. If an individual is involved in a car crash caused by an uninsured motorist, it is likely that the uninsured motorist will have no assets to pay as compensation for injuries or other losses.
Injuries as a result of these types of accidents have the potential to cause serious injuries and sometimes even fatalities. If an individual is injured in an accident with an uninsured motorist there are several options that can be pursued, including making a claim directly to the injured person’s own insurance company under the uninsured motorists provisions of that insurance policy.
Uninsured Motorist Coverage
Insurance companies who sell motor vehicle insurance in the state of Colorado are required to offer uninsured motorist coverage as part of every insurance policy. Policyholders can refuse uninsured motorist coverage in writing, but it is wise not to refuse this coverage because uninsured motorist insurance coverage offers protection to the individual who is injured by the negligence of an uninsured driver.
In addition to covering a driver and passengers who are directly involved in a motor vehicle wreck, uninsured motorist coverage may also apply if an individual is negligently hit by an uninsured motorist while walking, running, or riding a bike.
Initiating a Legal Action Against an Uninsured Motorist or an Individuals Underinsured Motorist Carrier
Initiating legal action against an uninsured motor vehicle operator or an undisured motorist insurance company is complicated and should never be attempted without the help of a skilled injury attorney.