{"id":2399,"date":"2021-10-15T20:50:36","date_gmt":"2021-10-15T20:50:36","guid":{"rendered":"https:\/\/callpaul.com\/?page_id=2399"},"modified":"2025-06-03T16:03:42","modified_gmt":"2025-06-03T09:03:42","slug":"uninsured-motorist","status":"publish","type":"page","link":"https:\/\/callpaul.com\/es\/denver\/car-accident-lawyer\/uninsured\/","title":{"rendered":"Denver Abogado de conductores sin seguro"},"content":{"rendered":"

[et_pb_section fb_built=”1″ specialty=”on” module_class_1=”pa-page__hero-banner-row” module_class_2=”pa-page__hero-banner-image” admin_label=”Hero Header” module_class=”pa-page__hero-banner” _builder_version=”4.27.4″ _module_preset=”default” background_color=”RGBA(255,255,255,0)” background_enable_image=”off” custom_css_free_form=”selector {|| background-color: #242426 !important;||}” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_column type=”1_2″ specialty_columns=”2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_row_inner admin_label=”Introduction” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”Denver Uninsured Motorist Attorney” admin_label=”H1 Heading” _builder_version=”4.27.4″ _module_preset=”default” title_font=”Montserrat|700|||||||” title_text_align=”left” title_text_color=”#FFFFFF” title_font_size=”60px” title_letter_spacing=”2px” title_text_align_tablet=”center” title_text_align_phone=”center” title_text_align_last_edited=”on|desktop” global_colors_info=”{}”][\/et_pb_heading][et_pb_blurb alt=”legal icon” image_icon_width=”90%” icon_alignment=”left” content_max_width=”100%” image_icon_width_tablet=”70%” image_icon_width_phone=”70%” image_icon_width_last_edited=”on|phone” icon_alignment_tablet=”center” icon_alignment_phone=”” icon_alignment_last_edited=”on|tablet” content_max_width_tablet=”80%” content_max_width_phone=”100%” content_max_width_last_edited=”on|phone” admin_label=”Under H1 Paragraph” _builder_version=”4.27.4″ _module_preset=”_initial” header_level=”h2″ header_font=”Montserrat|500|||||||” header_font_size=”20px” header_line_height=”1.2em” body_text_color=”#FFFFFF” body_font_size=”17px” body_line_height=”1.5em” background_layout=”dark” custom_margin=”-30px||30px||false|false” custom_margin_tablet=”-30px||20px||false|false” custom_margin_phone=”0px||0px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px|10%|||false|false” custom_padding_tablet=”|0%|||false|false” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” header_text_align_tablet=”center” header_text_align_phone=”” header_text_align_last_edited=”on|tablet” header_font_size_tablet=”18px” header_font_size_phone=”16px” header_font_size_last_edited=”on|phone” body_font_size_tablet=”17px” body_font_size_phone=”20px” body_font_size_last_edited=”on|phone” custom_css_blurb_title=”margin-top: -10px;” image_max_width=”90%” image_max_width_tablet=”70%” image_max_width_phone=”” image_max_width_last_edited=”on|phone” global_colors_info=”{}” custom_css_blurb_title_last_edited=”on|desktop” custom_css_blurb_title_tablet=”margin-top: -10px;||” custom_css_blurb_title_phone=”margin-top: -10px;||”]<\/p>\n

If you or a loved one has been injured in an accident involving an uninsured or underinsured driver in Denver, you may still be entitled to compensation. The Paul Wilkinson Law Firm, LLC is here to help. Contact us today for a free consultation and let us help you navigate your uninsured or underinsured motorist claim with confidence.<\/p>\n

[\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=”1_3,1_3,1_3″ admin_label=”Numbers” module_class=”pa-page__numbers-row” _builder_version=”4.27.4″ _module_preset=”default” global_module=”13688″ saved_tabs=”all” collapsed=”off” global_colors_info=”{}”][et_pb_column_inner type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_code admin_label=”Numbers” module_class=”pa-page__numbers” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

0<\/span>+<\/div>\n

<\/p>\n

years of combined experience<\/div>\n

[\/et_pb_code][\/et_pb_column_inner][et_pb_column_inner type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_code admin_label=”Numbers” module_class=”pa-page__numbers” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

0<\/span>+<\/span><\/div>\n

<\/p>\n

millions recovered in settlements<\/div>\n

[\/et_pb_code][\/et_pb_column_inner][et_pb_column_inner type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_code admin_label=”Numbers” module_class=”pa-page__numbers” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

0<\/span>%<\/div>\n

<\/p>\n

success rate<\/div>\n

[\/et_pb_code][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9mZWF0dXJlZF9pbWFnZSIsInNldHRpbmdzIjp7fX0=@” admin_label=”%91Featured Image%93″ _builder_version=”4.27.4″ _dynamic_attributes=”src” _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Main Content” _builder_version=”4.27.4″ _module_preset=”default” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”2_3,1_3″ module_class=”pa-main-content__row” _builder_version=”4.27.4″ _module_preset=”default” max_width=”1470px” global_colors_info=”{}”][et_pb_column type=”2_3″ module_class=”pa-main-content__content-column” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”Regular Text Block” module_class=”pa-page__text” _builder_version=”4.27.4″ _module_preset=”default” text_font=”Montserrat||||||||” text_text_color=”#404143″ text_font_size=”17px” text_line_height=”1.5em” text_font_size_tablet=”17px” text_font_size_phone=”20px” text_font_size_last_edited=”on|phone” custom_css_free_form=”selector a {|| color: #a80807;||}||||@media(max-width: 768px) {|| selector h2 {|| \tfont-size: 30px;||\t}||}||” global_colors_info=”{}”]<\/p>\n

When you are seriously injured in an auto accident, you expect the negligent driver to have sufficient insurance to cover your medical care and other losses. However, in many cases, victims\u2019 losses far surpass the negligent driver\u2019s policy limits. In situations like these, you may be able to seek additional compensation through your own insurance company under your uninsured\/underinsured motorist coverage (UM\/UIM) policy.<\/p>\n

Despite laws that exist in nearly every state requiring drivers to carry at least liability insurance, a study conducted by the Insurance Research Council (IRC) found that\u00a0almost 13 percent<\/a>\u00a0of all drivers don\u2019t have liability insurance. You could be left to pay for your medical expenses if the at-fault driver isn\u2019t covered with sufficient auto insurance.<\/p>\n

If you or someone you love was in an accident involving an uninsured or underinsured motorist in Denver, and your insurance company neglects to step in and offer compensation, don\u2019t panic.\u00a0The Paul Wilkinson Law Firm<\/a>\u00a0can take your claim and walk you through the legal process unscathed.<\/p>\n

[\/et_pb_text][et_pb_heading title=”About Uninsured\/Underinsured Motorist Insurance” admin_label=”H2 Heading” module_class=”pa-page__heading-2″ _builder_version=”4.27.4″ _module_preset=”default” title_level=”h2″ title_font=”Montserrat|700||on|||||” title_text_color=”#a80807″ title_font_size=”40px” title_line_height=”1.3em” title_font_size_tablet=”40px” title_font_size_phone=”30px” title_font_size_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_heading][et_pb_text admin_label=”Regular Text Block” module_class=”pa-page__text” _builder_version=”4.27.4″ _module_preset=”default” text_font=”Montserrat||||||||” text_text_color=”#404143″ text_font_size=”17px” text_line_height=”1.5em” text_font_size_tablet=”17px” text_font_size_phone=”20px” text_font_size_last_edited=”on|phone” custom_css_free_form=”selector a {|| color: #a80807;||}||||@media(max-width: 768px) {|| selector h2 {|| \tfont-size: 30px;||\t}||}||” global_colors_info=”{}”]<\/p>\n

Insurance companies must offer uninsured\/underinsured motorist coverage by law in the same amounts as your selected bodily injury liability limits. However, this type of coverage is optional, and Colorado drivers can legally reject it. Colorado drivers must do so in writing if they reject this type of coverage. If you have yet to give a written rejection to your insurance company, you still have this type of coverage on your policy.<\/p>\n

What does uninsured motorist insurance cover? It can depend on the policy. If you have any questions regarding your UM\/UIM coverage, you should contact your insurance agent to review your policy. They should be able to answer all of your questions.<\/p>\n

Because Colorado is an \u201cat-fault\u201d state, injured parties file claims against the at-fault driver\u2019s insurer. If the at-fault driver\u2019s insurance does not cover your damage, your UM\/UIM insurance in Colorado handles the difference. UI\/UIM coverage can also cover drivers in hit-and-run accidents.<\/p>\n

After being involved in an accident with an uninsured or underinsured driver, you should contact your insurance company to file a UM\/UIM claim. This process should be quick and painless if you did not opt out of your UM\/UIM coverage.<\/p>\n

However, if you opted out of your UM\/UIM, or your UM\/UIM coverage doesn\u2019t fully cover your damages, you should contact an attorney to decide your next steps. An experienced attorney will walk you through the options that serve your best interests.<\/p>\n

[\/et_pb_text][et_pb_heading title=”Consequences Of Uninsured\/Underinsured Motorists” admin_label=”H2 Heading” module_class=”pa-page__heading-2″ _builder_version=”4.27.4″ _module_preset=”default” title_level=”h2″ title_font=”Montserrat|700||on|||||” title_text_color=”#a80807″ title_font_size=”40px” title_line_height=”1.3em” title_font_size_tablet=”40px” title_font_size_phone=”30px” title_font_size_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_heading][et_pb_text admin_label=”Regular Text Block” module_class=”pa-page__text” _builder_version=”4.27.4″ _module_preset=”default” text_font=”Montserrat||||||||” text_text_color=”#404143″ text_font_size=”17px” text_line_height=”1.5em” text_font_size_tablet=”17px” text_font_size_phone=”20px” text_font_size_last_edited=”on|phone” custom_css_free_form=”selector a {|| color: #a80807;||}||||@media(max-width: 768px) {|| selector h2 {|| \tfont-size: 30px;||\t}||}||” global_colors_info=”{}”]<\/p>\n

The consequences of uninsured or underinsured car accidents can range from minor to severe. However, the financial damages can be catastrophic, as covering medical bills and other expenses often depends heavily on your insurance coverage. Unfortunately, very few drivers have the financial resources necessary to cover the full costs for injured parties when they\u2019re at fault.<\/p>\n

This is why working with a\u00a0car accident attorney<\/a>\u00a0may be in your best interest. An attorney can help you explore options such as suing underinsured motorists to secure the compensation you deserve. By navigating the complexities of insurance claims and legal processes, an attorney ensures your rights are protected and that you receive the financial support needed to recover fully.<\/p>\n

The 2014 IRC study also found that 82 percent of uninsured motorists didn\u2019t have car insurance because they couldn\u2019t afford it or their vehicles were in such bad condition. This stat suggests that most uninsured motorists couldn\u2019t pay for someone else\u2019s medical bills\/financial losses if they were at fault in an accident.<\/p>\n

Common Issues<\/h3>\n

Even if you have UM\/UIM coverage, insurance companies can still deploy questionable tactics to deny, ignore, or underpay your claim. Your insurance company loses money when they have to provide you full coverage because of a UM\/UIM claim.<\/p>\n

Because it is not in the insurance company\u2019s best interest to offer full coverage, they often provide subpar settlements in hopes that you ignore your full entitlement. They can also question the severity of your injuries or the validity of your medical bills. Insurance companies have sneaky means of avoiding your full settlement, but companies often overstep their legal bounds when doing this and act in bad faith. If bad faith insurance in Denver occurs, contact the\u00a0bad faith insurance attorneys<\/a>\u00a0at Call Paul.<\/p>\n

The following bad faith scenarios frequently occur during the insurance claims process:<\/p>\n