Denver Uninsured Motorist Accident Lawyer

Denver Uninsured Motorist Accident Attorney

When you’re hit by a driver without insurance, the financial and emotional aftermath can be overwhelming. Although Colorado law requires all drivers to carry liability coverage, many on the road remain uninsured. If you’re injured in a crash caused by someone without insurance, our Denver uninsured motorist accident lawyers can help you understand your options and pursue the compensation you deserve. We deal with the insurance, so you don’t have to.

Experienced Advocacy for Uninsured Motorist Accidents in Denver, CO

At Cheney Galluzzi & Howard, we have guided numerous clients living in the Mile High City in dealing with the complexities of uninsured and underinsured motorist (UM/UIM) claims. Our years of legal practice, combined with accolades from Super Lawyers and the Colorado Trial Lawyers Association, equip us to hold negligent drivers and insurance companies responsible when they resist accountability.

We understand the stress these cases create and respond with strategic, compassionate representation every step of the way. Our firm provides no-cost consultations and operates on a contingency fee basis, which ensures no payment obligation until we achieve a successful outcome. Our legal team provides around-the-clock support to help you navigate your recovery process.

What Happens if the At-Fault Driver Has No Insurance?

When a driver without insurance causes an accident, they become personally responsible for covering your damages. It can be challenging to obtain compensation from someone who lacks insurance. Uninsured motorist coverage is vital because it lets victims of a motor vehicle accident obtain compensation directly from their policies when facing an uninsured driver who is responsible for the accident.

Colorado insurance providers are required to extend UM/UIM coverage options to their customers, and numerous drivers have chosen to participate. This kind of insurance covers the following economic and non-economic costs:

• Medical bills
• Lost wages
• Pain and suffering
• Vehicle repairs

How Your Own Insurance Policy May Help

Filing a UM/UIM claim requires proving the other driver lacked adequate insurance and showing how your policy applies. Our Denver uninsured motorist accident attorneys work directly with insurance adjusters to do the following:

• File and manage your claim
• Resolve disputes over coverage or payment
• Push back against delays or bad-faith denials

If your carrier refuses to pay fairly, we’re prepared to litigate. You have rights under Colorado’s insurance laws, and we’re here to protect them.

Building a Personal Injury Claim After an Uninsured Motorist Accident

In some cases, your losses may exceed your policy’s limits, or you may not have UM coverage. When that happens, a personal injury claim against the at-fault driver may be necessary. Under Colorado law, you can pursue compensation for:

• Economic damages: medical expenses, lost income, property damage
• Non-economic damages: pain and suffering, emotional distress

We gather evidence, build your case, and represent your interests at every stage. Our goal is always maximum compensation.

Why Choose Cheney Galluzzi & Howard?

With decades of combined experience in auto accident litigation, the attorneys at Cheney Galluzzi & Howard bring a deep understanding of Colorado’s legal and insurance systems. We’ve earned recognition from respected organizations like Super Lawyers and maintain strong relationships within Denver’s legal community.

Our Denver car accident lawyers deliver straightforward communication with quick responses and develop strategies based on client needs to optimize your financial recovery. Dealing with your own insurer after a traumatic event can become an extremely stressful experience. We address every part of your claim using experience and empathy.

FAQs

What Happens if the At-Fault Driver Doesn’t Have Insurance in Colorado?

The driver responsible for your accident remains financially accountable for your damages even if they lack insurance coverage. Collecting compensation directly from the person who caused your accident typically presents significant challenges. Uninsured motorist coverage exists to enable you to get medical costs and lost income compensated through your own insurance policy without facing penalties.

What Is Uninsured and Underinsured Motorist (UM/UIM) Coverage?

UM/UIM coverage provides protection in cases where you collide with a driver who lacks insurance or possesses inadequate coverage. Colorado offers UM/UIM coverage as an optional add-on that comes highly recommended. UM/UIM coverage covers medical expenses, car repairs, and pain and suffering damages when the responsible driver lacks adequate insurance.

Will My Premium Go Up if I Use My UM/UIM Coverage?

No, your premium should not go up if you use your UM/UIM coverage. Insurers in Colorado are not legally permitted to increase your premiums if you have UM/UIM coverage without being at fault. To protect your rights, you should examine your insurance policy terms and seek legal advice from an uninsured motorist accident lawyer.

How Can a Lawyer Help With an Uninsured Motorist Accident?

An experienced attorney can handle your insurance claim, gather evidence, challenge unfair denials, and take legal action when needed. They’ll make sure deadlines are met and that your claim reflects the full value of your losses. Having a lawyer on your side protects your rights and improves your chances of a strong financial recovery.

Can I Sue the At-Fault Driver if I Don’t Have UM Coverage?

Yes. You retain the right to file a personal injury lawsuit against the uninsured at-fault driver even if you lack UM/UIM coverage. Many drivers without insurance lack adequate funds to cover the damage payments. A Denver personal injury attorney can assist you in finding additional compensation sources, like third-party liability claims or umbrella insurance coverages.

Contact a Denver Uninsured Motorist Accident Lawyer Today

You don’t need to handle unexpected medical bills and stress from an uninsured driver alone. Reach out to Cheney Galluzzi & Howard now for your complimentary consultation with an experienced uninsured motorist accident attorney in Denver. We handle all of the insurance matters on your behalf.

Our skilled legal team is skilled in defending your right to every owed dollar while guiding you through each stage of the claims process to ensure complete financial recovery. Our firm provides dedicated support throughout your insurance negotiations or personal injury lawsuit with compassionate representation and a strategic focus on results.