Dealing with Uninsured Motorists

For how many cars are on the roads at all hours of the day and night, it’s a wonder there aren’t more accidents. People tend to overestimate the gap between cars so they can make a turn, underestimate the speed of oncoming traffic, or overall aren’t properly paying attention to the road. For many Denver residents, a car is a necessity, which means dealing with other drivers is a risk they must accept to get from point A to point B; many will need a Denver personal injury attorney to represent them when they inevitably end up in a car accident in Denver.

Accidents happen

Every day, people are speeding, tailgating, weaving, and pulling other not-so-bright-nor-safe driving maneuvers that put themselves, their passengers, other motorists, and pedestrians at risk of damage, injury, and wrongful death. Get distracted for a second too long and you can be a part of a rear-end accident, an accident at an intersection, or a t-bone collision, possibly sustaining serious injuries such as fractures and/or traumatic brain injuries.

Colorado insurance requirements

All Colorado drivers need insurance to legally comply with operating their vehicle on the streets and highways and this insurance covers them if their vehicle is damaged, they get injured, or if they hurt someone else. It’s a safety precaution so that cars can be repaired and people can get the medical attention they deserve for their injuries. In Colorado, you do not need to have uninsured/underinsured motorist insurance, but it’s a wise choice to have it.

What is uninsured motorist coverage

Some drivers decide that they will drive their vehicle without insurance, making them what is called an uninsured motorist; some may only have minimal liability coverage for accidents and are considered underinsured motorists. Their reasoning doesn’t matter, but it often comes down to the cost to cover their vehicle. So what happens, what exactly are you supposed to do? Their insurance won’t cover the cost of your vehicle’s damages or your medical bills.

That’s why you need insurance to cover damages if they don’t have insurance; it’s an additional layer of coverage that means that even if you get in an accident and they have no way of paying for your damages, you will receive the money from your insurance company so you aren’t left in the dust with empty pockets.

What to do if you’re involved in an uninsured motorist accident

If you’re involved in a Denver uninsured motorist accident, immediately get as much information about the other vehicle, the driver, and circumstances about the accident as you can. Contact the local authorities, or highway patrol, to assist you in collecting witness testimony and getting verified accounts of the event. Afterward, contact your insurance company to let them know what happened and contact our offices to speak with a Denver car accident attorney to collect the financial compensation you deserve and protect your rights/assets. For additional information, contact us today.