Littleton Uninsured Motorist Lawyers Who Take the Fight to Your Own Insurer

Yes. Colorado treats an unidentified hit-and-run driver as uninsured for your UM claim. Report the crash promptly to law enforcement and to your insurer. Dashcam footage, witness statements, and the physical damage pattern all strengthen your claim. Santa Fe Drive at Mineral Avenue carries up to 60,000 vehicles per day and has documented surveillance and traffic cameras that may have captured the incident. We help locate and preserve that evidence before it is overwritten.

Colorado does not require you to buy UM/UIM coverage, but every auto insurer in the state must offer it equal to your bodily injury liability limits under C.R.S. 10-4-609. Any rejection must be in writing and signed by the named insured to be valid. If you did not sign a valid written rejection, you likely have UM/UIM coverage even if you do not remember selecting it. We confirm this from the declarations page on the first call.

Yes, that is a UIM claim. When the at-fault driver's policy limit is lower than your documented losses, your own underinsured motorist coverage pays the gap up to your UIM limit. Under C.R.S. 10-4-609(4), buying UM automatically includes UIM. The C-470 corridor has documented high-speed semi-truck crashes with serious injuries, and the gap between a minimum-limit commercial policy and the actual medical costs of a serious crash can be significant. We review your declarations page, confirm your UIM limit, and build the claim from there.

Most Littleton cases are filed in the District Court for Arapahoe County, 18th Judicial District. That court has two locations: the Arapahoe County Courthouse at 1790 West Littleton Blvd, Littleton, CO 80120 and the Arapahoe County Justice Center at 7325 S. Potomac Street, Centennial, CO 80112. Because Littleton also extends into portions of Jefferson and Douglas counties, the correct venue depends on exactly where the crash occurred. We confirm the proper courthouse for your case from the first consultation.

Colorado UM/UIM claims are governed by C.R.S. 13-80-107.5, the statute the Colorado Supreme Court applied in Pham v. State Farm, 2013 CO 17. The deadline turns on the procedural history of the underlying claim, not a simple calendar count from the crash date. Your policy may also impose a contractual notice deadline shorter than the statute. Because the timing is fact-specific, talk to a lawyer early so every deadline can be identified before you lose the right to file.

Stacking lets you combine UM/UIM limits across multiple vehicles or policies, and Colorado restored that right through a 2007 amendment to C.R.S. 10-4-609 effective January 1, 2008. Insurers can no longer prohibit stacking by policy language when separate premiums are charged. Whether stacking applies to your specific Littleton policy depends on the declarations page and household facts. We pull every page before any coverage discussion.

You can reject the offer and negotiate, or ultimately file suit against your insurer or invoke the policy's arbitration clause. When an insurer unreasonably delays or denies a claim it knows or should know is valid, Colorado also provides a statutory bad-faith cause of action under C.R.S. 10-3-1115 and 10-3-1116. Adding a documented bad-faith claim frequently shifts the negotiation dynamic. Do not accept an offer or sign a release before speaking with us. Call (303) 209-9395.

Colorado follows a modified comparative negligence rule with a 50 percent bar under C.R.S. 13-21-111. If you are found less than 50 percent at fault for the crash, you can recover, but your damages are reduced by your percentage of fault. If you are found 50 percent or more at fault, you recover nothing. Adjusters on UM/UIM claims routinely try to inflate your share of fault to reduce the payout. Challenging that assessment, with police reports, witness statements, and expert analysis when needed, is central to protecting what you are owed.