Superior, Colorado

Superior Uninsured Motorist Lawyers Who Stand Up to Your Own Insurer

One arterial carries most of this town, and it runs from a state highway at one end to a federal highway at the other. When the driver who hit you on McCaslin Boulevard, at Coalton Road, or coming out of the Superior Marketplace had no insurance or left before anyone read a plate, the recovery has to come out of your own auto policy. We represent Superior crash victims in UM and UIM claims against their own carriers. Serving Boulder and Jefferson Counties from our Denver office. No fee unless we win.

No fee unless we win

Call (303) 209-9395 Get my free UM/UIM case review

It's More Than Money.

Serving Superior from our Denver Office CGH Injury Lawyers 2701 Lawrence St., Suite 201 Denver, CO 80205 (303) 209-9395 Se habla espanol

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Colorado law requires every auto insurer in the state to offer UM/UIM coverage equal to your bodily injury liability limits, and any rejection must be in writing by the named insured (C.R.S. 10-4-609). If you never made a valid written rejection, you may still have this coverage now.
UM coverage pays when the at-fault driver had no insurance, fled the scene, or was a phantom vehicle. UIM pays the gap when the other driver had a limit too low to cover your losses. Under C.R.S. 10-4-609(4), buying UM automatically gives you UIM.
Because you are filing against your own insurer, the same tactics used on third-party claimants get pointed at you: slow responses, low first offers, and recorded-statement traps. Knowing that going in changes how the claim plays out.
At CGH Injury Lawyers, we represent Superior crash victims in UM and UIM claims against their own carriers, working Boulder and Jefferson County files from our Denver office at 2701 Lawrence St., Suite 201. We pull every declarations page, confirm what coverage exists, gather the medical record from every facility that treated you, and prepare every case for trial or arbitration in the 20th or 1st Judicial District.

Free first consultation. No fee unless we win. Call (303) 209-9395.

C.R.S. 10-4-609: what the statute requires

Every Colorado auto insurer must offer UM/UIM coverage equal to the bodily injury liability limits you buy. You can reject it, but only in writing by the named insured (C.R.S. 10-4-609).
Under C.R.S. 10-4-609(4), purchasing UM coverage automatically includes UIM coverage. They come bundled together by operation of law.
A 2007 amendment to C.R.S. 10-4-609, effective January 1, 2008, removed the provision that had let insurers reduce UIM by whatever the at-fault driver's carrier paid. Under C.R.S. 10-4-609(1)(c), the coverage sits in addition to the liability recovery and cannot be reduced by a setoff from other coverage. Whether limits from more than one vehicle or policy can be combined is a separate, fact-specific question that depends on the declarations pages, how premiums were charged, and the policy language.
A rejection that does not meet the statute's requirements is potentially invalid, which means coverage you thought you did not have may still exist. We review the rejection language before assuming there is no policy to draw from.

The four triggers: when UM/UIM applies

The at-fault driver had no liability insurance. Your UM coverage becomes the only practical recovery path when the other driver cannot pay.
Hit-and-run. The driver fled before you got a plate, or before you could identify them. Colorado treats an unidentified fleeing driver as uninsured for UM purposes.
Phantom vehicle. A driver cut you off or ran you off the road without contact. Colorado allows UM recovery in some phantom-vehicle cases, but corroborating evidence such as a witness or video is typically needed.
Underinsured driver. The other driver had coverage, but their policy limit was lower than your documented losses. Their insurer pays its available limit, and your UIM claim covers the remaining gap up to your own UIM limit.

The filing deadline and comparative fault

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. Your policy may also impose a shorter contractual notice deadline. Missing that notice can give the insurer a defense, so it must be identified early.

Colorado follows a modified comparative negligence rule with a 50 percent bar (C.R.S. 13-21-111). If you are found less than 50 percent at fault, you recover damages reduced by your percentage of fault. If you are 50 percent or more at fault, you recover nothing. Adjusters can push your fault share higher on a UM/UIM claim, which reduces the payout, so challenging that assessment is central to protecting your recovery.

High-Risk Corridors

McCaslin Boulevard, United States Highway 36, and State Highway 128

The Town's own Three Mile Plan, dated March 9, 2026, calls McCaslin Boulevard the major north-south link between State Highway 128, which it also names 120th Avenue, and United States Highway 36. It says the road is a major arterial the Town maintains along that entire stretch.

That one arterial also carries the town's shopping traffic. The Town's comprehensive plan places the Superior Marketplace at the intersection of United States Highway 36 and McCaslin Boulevard and describes it as a retail destination for the northwest portion of the Denver metro area. Regional shoppers and local drivers end up in the same turn lanes.

The Town keeps rebuilding pieces of it. Its plan records roundabouts at Coalton Road in 2009 and Main Street in 2017, and interchange work finished in 2016 that produced a diverging diamond configuration and a new McCaslin underpass. The Town's project page now shows design underway at McCaslin Boulevard and Marshall Road, supported by an Economic Development Administration grant of $1,248,938.

None of that decides your claim. What decides it is who the other driver turned out to be, and whether that driver carried anything.

Trauma Care

The nearest designated trauma center sits in the next town

Superior has no hospital inside its limits. The Colorado Department of Public Health and Environment's published list of designated trauma facilities puts the closest one in Louisville, where AdventHealth Avista at 100 Health Park Drive is designated at Level III.

Higher levels sit farther out on that same state list. Boulder Community Health's Foothills Hospital in Boulder and Intermountain Health Good Samaritan Hospital in Lafayette are both Level II, and Intermountain Health Lutheran Hospital in Wheat Ridge carries Level II on the Jefferson County side.

In Colorado the state health department designates trauma levels, which is a separate process from the verification the American College of Surgeons performs. The most severe injuries may be moved on to a Level I center, and the same state list places St Anthony Hospital in Lakewood and Denver Health Medical Center in Denver at that tier.

So a serious Superior crash usually produces one chart in Louisville and another somewhere else. Those records carry the claim from the first demand through trial, so we collect the complete chain before any demand goes out.

Courthouse

Boulder County District Court, 20th Judicial District, in Boulder

Personal injury cases arising in Boulder County may be filed in the Boulder County District Court, the 20th Judicial District. The Colorado Judicial Branch lists the Boulder County Combined Court at 1777 6th St., Boulder, CO 80302, and a second combined court location in Longmont at 1035 Kimbark St.

Superior is not a one-county town. The United States Census Bureau's 2020 place file lists Superior town in both Boulder County and Jefferson County, and the Colorado Judicial Branch places Jefferson County in the 1st Judicial District at the Jefferson Combined Court, 100 Jefferson County Parkway, Golden, CO 80401.

The defendant in a UM/UIM suit is your own insurer rather than the driver who hit you, and Colorado's venue rule allows more than one proper county, so the filing county is a strategic decision rather than a default. We handle cases filed in the 20th and 1st Judicial Districts, serving our Superior clients from our Denver office.

Contracted Public Safety

Superior does not run its own police department

The Town's Three Mile Plan states that Superior has contracted with the Boulder County Sheriff's Office to provide law enforcement services, and that a law enforcement substation is located in town. The same document names Mountain View Fire Rescue as responsible for fire, emergency medical, and rescue services for the Superior area.

That splits the paper trail from the first minute. The crash report comes from a county agency, the ambulance record from a fire district, and the chart from a hospital in another town. We request all three rather than working from whichever one the adjuster hands over.

The Statute

C.R.S. 10-4-609

Colorado requires your insurer to offer UM/UIM coverage equal to your liability limits. We know the statute, the stacking rules, and how to read a rejection form for flaws an adjuster is not going to point out.

Bad Faith on the Table

When your insurer stalls, we have a remedy.

When an insurer unreasonably delays or denies a valid UM/UIM claim, Colorado gives you a separate statutory bad-faith cause of action under C.R.S. 10-3-1115 and 10-3-1116. We document insurer conduct from day one so that a lowball offer or unexplained delay shifts the negotiation dynamic.

Honest Case Review

We decline cases we cannot stand behind.

Not every crash produces a UM/UIM claim worth pursuing. If your fact pattern does not support one, we will tell you that in the free review rather than sign you up and let the case stall. When the law supports your claim, we fight hard.

Stacking Review

Multiple vehicles may mean multiple limits.

Whether limits from more than one vehicle or policy can be combined depends on the declarations pages, how premiums were charged, and the policy language. We pull every declarations page and every endorsement to find available limits before any demand goes out.

Trial-Ready

ABOTA member. Boulder County is not a problem.

Managing Partner Kevin Cheney is a member of the American Board of Trial Advocates (ABOTA) and has served as Treasurer of the Colorado Trial Lawyers Association. Timothy G. Tarr has been recognized in The Best Lawyers in America for Personal Injury Litigation - Plaintiffs since 2023. Carriers pay attention to which firms are prepared to try a case in the Boulder County District Court.

Bilingual

Hablamos espanol.

Spanish-speaking staff and attorneys serve Superior's Spanish-speaking community. Language is never a barrier to a free case review.

No Win, No Fee

Contingency only.

You pay nothing out of pocket for legal fees. We advance costs and collect only from a settlement, verdict, or arbitration award.

Get medical care immediately

If your injuries are serious, emergency transport may take you to AdventHealth Avista in Louisville, the nearest designated facility on the state list, or on to a Level I center in the Denver area. Seek care even if you feel okay at the scene. Adrenaline masks injury, and a gap in medical treatment gives the insurer a pre-existing-condition argument.
Call law enforcement

A police report confirming the other driver fled the scene, had no insurance, or could not be identified is essential to a hit-and-run or uninsured UM claim. In Superior that report comes from the Boulder County Sheriff's Office, which the Town has contracted with for law enforcement services. Write down exactly where the crash happened and ask for the report number before you leave.
Document everything at the scene

Photograph the damage, your injuries, and the crash location. Note nearby businesses with exterior cameras, dashcam footage from other vehicles, and the names of any witnesses. Retention periods vary widely from one business to the next, so identify anything that can corroborate what happened before you leave the scene.
Notify your own insurer promptly

Your UM/UIM policy may contain a contractual notice requirement shorter than the statutory deadline. Report the crash to your own carrier promptly, but do not give a recorded statement or accept any offer before speaking with us. The insurer may frame the recorded statement as routine, but it can lock you into answers before your medical picture is complete.
Pull your declarations page

Find your auto insurance declarations page. It shows your UM/UIM limits, whether you have more than one vehicle on the policy, and any endorsements. If you live in a household with other insured vehicles, stacking may be available. Bring that document to the free case review and we will map every dollar of available coverage.
Call us before the adjuster calls again

Once we are on the case, we handle all insurer communication. We confirm the at-fault driver's uninsured or underinsured status, secure the police report and any available footage, develop the full medical record before any demand goes out, and document every instance of insurer delay or lowballing for the bad-faith record. Call (303) 209-9395.

Economic damages (not limited by Colorado's non-economic cap)

Emergency care in Louisville, Boulder, or Lafayette, surgery, and follow-up treatment
Future medical costs and rehabilitation
Lost wages and lost earning capacity
Out-of-pocket expenses tied to the crash and recovery

Non-economic damages

Pain and suffering
Emotional distress
Loss of enjoyment of life
Physical impairment and disfigurement, which Colorado treats as a separate category that the non-economic damages cap does not limit (C.R.S. 13-21-102.5(5))

For civil actions filed on or after January 1, 2025, Colorado caps non-economic damages such as pain and suffering at $1.5 million under C.R.S. 13-21-102.5, with inflation adjustments beginning January 1, 2028. Lower caps apply to actions filed before that date, so which cap governs is fact-specific. Economic damages such as medical bills, future care, and lost wages are not limited by that cap, though any UM/UIM recovery is still bounded by the limits on the policy you are claiming under.

Compensation for physical impairment or disfigurement is also not limited by that cap (C.R.S. 13-21-102.5(5)), which matters in serious-injury UM/UIM cases. We structure the demand to reach every available category, including bad-faith penalties when insurer conduct warrants it.

"The injuries are pre-existing"

Blanket medical authorizations reaching back many years are a common insurer request, and they can be used to argue your injuries predate the crash. We manage the scope of medical releases and work with your treating providers to document what was caused by the crash versus what existed before it.
"You were partly at fault"

Colorado's modified comparative negligence rule bars recovery if you are 50 percent or more at fault (C.R.S. 13-21-111). Adjusters can push your fault share toward the 50 percent bar, which would reduce a UM/UIM payment and eliminate it entirely at 50 percent or more. We build the liability record from the crash report, physical evidence, and witness accounts to challenge any inflated fault allocation.
"You validly rejected UM/UIM coverage"

A rejection must be in writing by the named insured to be valid under C.R.S. 10-4-609. Rejections that fail the statute's requirements can be found invalid. We review every rejection document before accepting that no UM/UIM coverage exists.
"The other driver actually had insurance"

Drivers sometimes carry expired cards, have coverage lapses, or drive vehicles insured by someone else. We independently verify the at-fault driver's insurance status through law enforcement records and direct insurer inquiry, not just the other driver's word at the scene.
Delay as a strategy

Slow document requests, file reassignments, and silence after a demand are common. When delay becomes unreasonable, Colorado's statutory bad-faith remedy under C.R.S. 10-3-1115 and 10-3-1116 becomes available. We document the timeline of insurer conduct from first notice forward so that pattern is on record.

In a UM/UIM claim, you are negotiating with your own auto carrier. Every dollar it pays comes off its books. The conflict is structural, not personal.
You may have cooperation duties under your policy, including reporting the crash promptly and providing documentation. What cooperation actually requires depends on the policy language, and reading that language carefully matters before you agree to a recorded statement or accept a fault label in the first call.
When an insurer unreasonably delays or denies a valid claim, Colorado gives you a separate cause of action under C.R.S. 10-3-1115 and 10-3-1116. A documented bad-faith record is one of the few things that reliably moves a carrier off a low number.
Most UM/UIM disputes resolve through negotiation or arbitration, which some policies require before a lawsuit can be filed. We know both tracks and use the one that fits your case best.

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What is the difference between UM and UIM coverage in Colorado?

Uninsured motorist (UM) coverage pays when the at-fault driver had no insurance, fled the scene, or was a phantom vehicle. Underinsured motorist (UIM) coverage pays the gap when the at-fault driver's policy limit was lower than your documented losses. Both come from your own auto policy. Under C.R.S. 10-4-609(4), buying UM automatically includes UIM. A crash on McCaslin Boulevard with an uninsured driver triggers your own UM coverage, not the other driver's.

Does Colorado law require me to have UM/UIM coverage?

Colorado law 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. A rejection must be in writing by the named insured to be valid. Rejections that fail the statute's requirements can be found invalid. Read the form itself rather than relying on memory. If you are not sure what your Superior policy says, confirm it before assuming no coverage applies.

The driver who hit me on McCaslin Boulevard fled the scene. Do I still have a claim?

Yes. A hit-and-run driver is treated as uninsured under Colorado UM coverage. Report the crash to law enforcement and to your own insurer without delay. Physical evidence, named witnesses, and dashcam footage from other vehicles all strengthen the claim, and businesses and private security systems around the Superior Marketplace may have footage, though retention is often short. Your policy may also contain a notice deadline shorter than the statutory filing deadline.

How long do I have to file a UM/UIM claim after a Superior crash?

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. Your policy may impose a shorter contractual notice deadline, and missing it can give the insurer a defense. Because the timing is fact-specific, contact a lawyer early after a crash anywhere in Boulder or Jefferson County. An early review costs nothing and protects evidence that is still there.

Can I stack UM/UIM coverage across multiple vehicles in Colorado?

Combining UM/UIM limits across multiple vehicles or policies is fact-specific, not automatic. A 2007 amendment to C.R.S. 10-4-609, effective January 1, 2008, removed the provision that had let insurers reduce UIM by what the at-fault carrier paid, and C.R.S. 10-4-609(1)(c) bars a setoff from other coverage. The same subsection also allows a single policy issued for a single premium covering multiple vehicles to be limited to applying once per accident. Whether combining applies to your Superior case depends on the declarations pages and the policy language.

I was walking across McCaslin Boulevard when an uninsured driver hit me. Does UM coverage apply?

It can. UM/UIM coverage generally follows the insured person rather than the vehicle, so a policyholder or covered household member struck while walking or cycling may be able to claim under their own auto policy, depending on its terms. People hurt on foot often assume there is no claim because no car of theirs was involved. That assumption can cost real money. Bring the declarations page to the free review.

Where would my Superior UM/UIM lawsuit be filed?

Personal injury cases arising in Boulder County may be filed in the Boulder County District Court, the 20th Judicial District, and the Colorado Judicial Branch lists that court at 1777 6th St., Boulder, CO 80302. The United States Census Bureau lists Superior town in both Boulder County and Jefferson County, and Jefferson County sits in the 1st Judicial District in Golden. Because the defendant is your own insurer, more than one county can be proper. Some policies also require arbitration first.

How does Colorado's comparative fault rule affect my UM/UIM recovery?

Colorado follows a modified comparative negligence rule with a 50 percent bar (C.R.S. 13-21-111). If you are found less than 50 percent at fault, you can recover damages, but your award is reduced by your percentage of fault. If you are 50 percent or more at fault, you recover nothing. Adjusters can push your fault share higher, which reduces a UM/UIM payout. We build the liability record from the crash report, physical evidence, and witnesses to challenge any inflated fault allocation.

Superior

Practice Area

Denver Money Pages

Firm

It's More Than Money.

An uninsured driver hurt you in Superior. The policy you already pay for is where the recovery starts.

Free consultation for Superior crash victims. No fee unless we win. Serving Boulder and Jefferson Counties from Denver. Call (303) 209-9395.

Call (303) 209-9395 Get my free UM/UIM case review

Prefer to read first? See how Colorado UM/UIM law works statewide.

CGH Injury Lawyers · 2701 Lawrence St., Suite 201, Denver, CO 80205

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Superior Uninsured Motorist Lawyers Who Stand Up to Your Own Insurer

Colorado UM/UIM law decoded for Superior crash victims

C.R.S. 10-4-609: what the statute requires

The four triggers: when UM/UIM applies

The filing deadline and comparative fault

Where Superior UM/UIM crashes happen, and where your case goes

McCaslin Boulevard, United States Highway 36, and State Highway 128

The nearest designated trauma center sits in the next town

Boulder County District Court, 20th Judicial District, in Boulder

Superior does not run its own police department

Why Superior victims choose CGH Injury Lawyers for UM/UIM claims

C.R.S. 10-4-609

When your insurer stalls, we have a remedy.

We decline cases we cannot stand behind.

Multiple vehicles may mean multiple limits.

ABOTA member. Boulder County is not a problem.

Hablamos espanol.

Contingency only.

What to do after an uninsured or hit-and-run crash in Superior

Get medical care immediately

Call law enforcement

Document everything at the scene

Notify your own insurer promptly

Pull your declarations page

Call us before the adjuster calls again

What compensation can Superior UM/UIM victims recover?

Economic damages (not limited by Colorado's non-economic cap)

Non-economic damages

Defenses Superior UM/UIM insurers use, and how we answer them

"The injuries are pre-existing"

"You were partly at fault"

"You validly rejected UM/UIM coverage"

"The other driver actually had insurance"

Delay as a strategy

Why filing against your own insurer is different

Superior UM/UIM claims: frequently asked questions

Related pages

An uninsured driver hurt you in Superior. The policy you already pay for is where the recovery starts.