IT'S MORE THAN MONEY.
I Was Hit by an Uninsured Driver: What Now?
The other driver having no insurance does not end the analysis. Your own policy or another policy may still matter. CGH can review the coverage path.
Free consultation. No fee unless we win.- Report the crash, get medical care, and save every insurance letter before you give a recorded statement.
- The other driver having no insurance does not end the analysis, because your own policy or another policy may still matter.
- CGH can review fault, coverage, medical proof, and the next insurance step without promising a specific result.
If you were hit by an uninsured driver in Colorado, start by treating the crash like a serious insurance and evidence problem. Call law enforcement when required, get medical care if you may be hurt, notify your insurer, and do not assume the other driver has nothing that matters. A case review can help identify uninsured motorist coverage, other available policies, fault disputes, medical proof issues, and deadlines that may affect the claim.
First steps
What Should You Do First After a Crash With an Uninsured Driver?
Your first job is safety and documentation. Move out of traffic if you can do so safely. Call 911 if anyone may be hurt, the vehicles are blocking traffic, a driver leaves, or the situation feels unsafe. Take photos of the vehicles, plates, road conditions, traffic signals, debris, skid marks, rideshare screens, and the other driver's documents. Get names and phone numbers for witnesses before they leave.
If police respond, ask how to get the report number. If police do not respond, write down the time, location, weather, direction of travel, lane position, and what each driver said. Small details can matter later when an insurer argues about fault.
Get medical care if you have pain, dizziness, numbness, headache, confusion, back pain, neck pain, or any symptom that worries you. CGH does not give medical advice, and a lawyer cannot diagnose you. The legal point is simple: medical records are often the backbone of an injury claim. Delays can give an insurer room to argue that the crash did not cause the symptoms.
CGH's guide on what to do after a car accident in Colorado walks through the first steps after a crash. If the crash happened in Denver, the Denver car accident lawyer page explains the local claim path CGH commonly reviews.
Coverage analysis
Does the Other Driver Having No Insurance End the Case?
No. It means the coverage analysis becomes more important. The other driver may have no valid liability policy, but your own auto policy may include uninsured motorist coverage. Other policies may also need review depending on the facts. Examples can include a household policy, an employer policy, a rideshare policy, a commercial vehicle policy, or coverage connected to the vehicle owner.
Do not guess from the other driver's statement at the scene. Drivers may misunderstand their own coverage, carry an expired card, drive someone else's car, or have a policy that needs confirmation. Your insurer may also need to verify coverage before taking a position.
The key is to preserve the claim while the coverage picture is checked. Notify your insurer promptly, but be careful with recorded statements and broad medical authorizations. The insurance claims after a crash resource explains why insurance communications can shape the claim early.
Uninsured motorist coverage
What Is Uninsured Motorist Coverage?
Uninsured motorist coverage is insurance that may apply when an at-fault driver does not have liability insurance. The exact policy language matters. Coverage, exclusions, notice duties, deadlines, offsets, medical proof, and dispute procedures can vary by policy and facts.
This page does not decide whether your policy covers your crash. It also does not state what your insurer must pay. A lawyer can review the declarations page, policy language, crash facts, injuries, medical records, and communications to help you understand what issues need attention.
For background on Colorado auto coverage topics, CGH has a guide to Colorado car insurance laws. If your crash involves a vehicle you did not own, a passenger injury, or someone else driving your car, CGH's article on whether insurance follows the car or driver in Colorado may help frame the questions.
Fault disputes
What If the Other Driver Says the Crash Was Your Fault?
An uninsured driver may still dispute fault. Your insurer may also investigate fault before deciding what coverage applies. Do not accept a driver's roadside accusation as the final answer.
Evidence can change the fault picture. Photos, witness statements, police diagrams, traffic cameras, vehicle damage, phone records, event data, road design, and expert review may all matter in the right case. If more than one driver contributed to the crash, Colorado fault rules may affect recovery. CGH's guide on comparative negligence in Colorado explains that issue in more detail.
Be especially careful if an adjuster asks you to agree that you were partly at fault. A casual statement like "I should have seen them" can be used later. It may be true, partly true, or incomplete. Talk through the facts before you let a short recorded answer define the claim.
Evidence checklist
What Evidence Should You Save?
Save more than you think you need. A claim involving an uninsured driver often needs proof of the crash, proof of coverage, proof of medical harm, and proof that the other driver did not have valid insurance.
Useful documents and evidence may include:
- Photos and videos from the scene
- Police report number and officer information
- The other driver's name, plate, license, phone number, and insurance card
- Witness names and contact information
- Your auto policy declarations page and full policy
- Letters, emails, and claim numbers from your insurer
- Medical records, discharge papers, referrals, work notes, and bills
- Receipts for out-of-pocket expenses
- Employer records if you missed work
- Repair estimates, tow bills, rental records, and vehicle photos
If an insurer sends a broad medical release, read CGH's guide on why insurers request blanket medical authorizations before signing. The issue is not whether medical records matter. They do. The issue is whether the request is properly limited to what the claim requires.
Common mistakes
What Mistakes Should You Avoid?
Avoid giving a recorded statement while you are shaken, medicated, in pain, or missing basic facts. You may need to cooperate with your own insurer under your policy, but that does not mean you should guess, minimize symptoms, or answer legal conclusions.
Avoid assuming the other driver has no assets, no employer connection, and no other coverage. Those questions require investigation. Also avoid waiting to report the crash to your insurer. Your policy may have notice duties, and delay can create avoidable disputes.
Avoid signing a release before you understand what claims it closes. A release can affect injury claims, property damage, medical payment claims, uninsured motorist claims, and other rights. CGH's article on understanding personal injury settlements explains why settlement paperwork deserves careful review.
Avoid posting online about the crash, your vehicle, your activities, or your injuries. Social posts can be taken out of context. If you need to update family, use private calls or messages and keep the details simple.
Hit-and-run and bad information
What If the Driver Left or Gave Bad Information?
A hit-and-run or bad-information crash can overlap with uninsured driver issues. If the driver left, gave a false name, used an expired insurance card, or drove a vehicle registered to someone else, the coverage review may need extra work. Save plate photos, vehicle descriptions, nearby camera locations, witness names, and any messages from the driver or insurer.
Do not assume the claim is over because one piece of information is missing. A plate search, police report, owner information, employer connection, rideshare record, or your own policy may still matter. CGH's guide on hit-and-run accidents gives related background, and the page on what happens if someone else is driving your car explains why owner and driver questions can be separate.
The practical step is to keep the record clean. Write down what you know, label what you do not know, and save every document that arrives. That gives the lawyer and insurer a better starting point than a rushed conclusion.
When to call CGH
When Should You Contact CGH?
Consider contacting CGH if you were hurt, the other driver was uninsured, fault is disputed, your insurer is asking for a recorded statement, your medical bills are growing, or you are unsure which policy applies. You should also get review if a passenger, employer vehicle, rideshare vehicle, commercial vehicle, borrowed car, or hit-and-run issue is involved.
CGH Injury Lawyers has represented injured Coloradans since 2016. The firm is based at 2701 Lawrence Street, Suite 201, Denver, CO 80205. Kevin Cheney is CGH's Managing Partner, an ABOTA member, and Treasurer of the Colorado Trial Lawyers Association.
The first review should be practical. CGH can look at the crash facts, medical proof, insurance paperwork, fault disputes, and time-sensitive evidence. The goal is to identify the next step, not to predict an outcome. If the case involves serious injury, the catastrophic injury practice page explains the broader proof issues that may arise.
Related resources
Which CGH Pages Should You Read Next?
If you want the closest service page, start with car accident claims or the Denver car accident lawyer page. If the crash involved a motorcycle, truck, pedestrian, bicycle, or rideshare vehicle, review the matching CGH service pages for motorcycle accidents, truck accidents, pedestrian accidents, bicycle accidents, or rideshare accidents.
If you need to talk with someone, use the contact page or call (303) 209-9395. Ask CGH for current consultation, fee, cost, and language-access terms during intake.
Frequently asked questions
Frequently asked questions about being hit by an uninsured driver in Colorado
What is the first thing I should do after being hit by an uninsured driver?
Get to safety, report the crash when needed, document the scene, get medical care if you may be hurt, notify your insurer, and save every insurance communication. Do not guess about coverage from what the other driver says at the scene.
Can my own insurance apply if the other driver has no insurance?
It may. Uninsured motorist coverage or another policy may need review. The policy language, notice requirements, crash facts, medical proof, and coverage positions all matter.
Should I give my insurer a recorded statement?
You may have cooperation duties under your policy, but be careful. Do not guess, minimize symptoms, or accept fault labels without reviewing the facts. Ask what the statement is for and consider legal review first.
What if I might be partly at fault?
Partial fault can affect a Colorado injury claim. It does not mean you should accept the first percentage suggested by a driver or adjuster. Evidence may change the analysis.
When should I contact CGH?
Contact CGH when you were hurt, coverage is unclear, fault is disputed, the insurer wants a statement or release, medical bills are increasing, or evidence may disappear.
For the controlling text of any statute mentioned here, see the Colorado Revised Statutes.
Legal disclaimer
Legal Disclaimer
This page provides general information for Colorado injury readers. It is not legal advice, does not create an attorney-client relationship, and does not predict a result. A lawyer can give advice only after reviewing your facts and confirming representation in writing.
IT'S MORE THAN MONEY.
You were injured. We handle everything else.
Free consultation. No fee unless we win. Denver office serves injured Coloradans statewide.
CGH Injury Lawyers • 2701 Lawrence St., Suite 201, Denver, CO 80205