Have you been injured in a car accident in Colorado Springs, CO, caused by an uninsured driver? If so, call Kimball Injury Law, LLC at (719) 357-9444 for a free consultation with a Colorado Springs uninsured motorist claims lawyer. Even when the at-fault driver does not have insurance, you may still have options for recovering compensation after a crash.
An uninsured motorist claim can help cover medical expenses, lost income, and other losses, depending on your policy and the circumstances of the accident. An attorney can review your coverage, handle communications with the insurance company, and help you pursue the compensation available to you.
How Kimball Injury Law, LLC Can Help With an Uninsured Motorist Claim in Colorado Springs, CO
The time after a car accident can be difficult, especially if you find out the other driver has no insurance. You may be facing substantial medical bills and dealing with severe pain, and the worry about all those expenses can seem overwhelming. Thankfully, you do not have to go through this difficult time on your own.
Kimball Injury Law, LLC is here to help. Our Colorado Springs car accident attorney can help you by:
- Investigating the details of your crash
- Identifying all potential defendants and sources of compensation
- Assessing any available insurance coverage
- Filing a claim with your own uninsured motorist coverage
- Putting an accurate value on your claim based on all your damages
- Negotiating a top-dollar settlement for your claim
Just because the other driver did not have insurance doesn’t mean that you are automatically stuck with all the fallout from your accident. Contact us today to schedule a free consultation with a Colorado Springs personal injury attorney and let us help you pursue a financial recovery.
Overview of Uninsured Motorist Claims
Colorado is an at-fault state for car accidents. This means that the at-fault driver can be held legally responsible for all the damages they cause.
This is why Colorado law requires all drivers to carry minimum liability insurance of:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $15,000 for property damage
Unfortunately, not all drivers comply with this rule. So, what happens if a driver without insurance hits you? f you have uninsured motorist coverage, you may be able to file a claim with your own insurer for covered bodily injury losses.
Uninsured motorist coverage is not mandatory in Colorado. This type of coverage is included on all new car insurance policies, and you must explicitly opt out if you do not wish to purchase the coverage.
What Types of Damages Can I Recover on an Uninsured Motorist Claim?
Drivers injured by an uninsured motorist may be able to recover compensation for covered losses through their own uninsured motorist coverage. Depending on the policy and circumstances, this may include economic and non-economic damages caused by the at-fault driver.
Economic damages provide compensation for your financial losses, such as:
- Medical bills
- Lost wages
- Future reduced earning capacity
- Physical therapy
- Rehabilitation
- Future medical care needs
On the other hand, non-economic damages compensate victims for their physical and emotional pain and trauma, including:
- Pain and suffering
- Emotional distress and mental anguish
- Depression
- Anxiety
- PTSD
- Loss of consortium
- Permanent scarring or disfigurement
- Permanent disability
After an accident, an experienced personal injury lawyer can help you identify all the damages to which you may be entitled.
What If the Driver Who Hit Me Fled the Scene?
Uninsured motorist coverage may also apply after certain hit-and-run accidents when the at-fault driver cannot be identified. Colorado’s Legislative Council specifically identifies bodily injury losses caused by a hit-and-run driver as one situation UM coverage can address.
If the other driver leaves the scene, report the crash and notify your insurer promptly. An attorney can review your policy and the circumstances of the collision to determine whether uninsured motorist coverage may apply.
How Long Do I Have to File an Uninsured Motorist Claim in Colorado?
Colorado law generally requires an uninsured motorist action or arbitration to be started within three years after the claim accrues. A UM claim generally accrues when the injury or damage and its cause are known or should have been known through reasonable diligence.
Different timing rules may apply when the underlying claim against the uninsured driver is properly preserved. Because these deadlines can be complicated, speaking with an attorney promptly can help you determine which deadline applies to your case.
Contact Our Colorado Springs Uninsured Motorist Claims Lawyer for a Free Consultation
If you have been hurt in an accident by an uninsured motorist, contact Kimball Injury Law, LLC for help. Uninsured motorist coverage claims can be complex, and you may need the help of an experienced lawyer to help you get the compensation you are owed.
Call us now for a free consultation with a Colorado Springs uninsured motorist claims attorney who is ready to help.
