Tough lawyers for tough cases.

Denver Uninsured and Underinsured Motorcyclist Accident Lawyer

Despite it being against the law, many motor vehicle operators in Colorado drive without the required amounts of automobile insurance. If one of these motorists is a motorcyclist who causes your accident in Denver, you may not know who will pay for your bills and losses. If you find yourself in this situation, don’t hesitate to contact Dormer Harpring for a free legal consultation. Our experienced uninsured and underinsured motorcyclist accident lawyers can help you protect your legal rights. 

Why Choose Us

  • We are tough lawyers for tough cases. We have the experience and resources to help our clients with even the most complicated accident claims, including cases involving uninsured and underinsured motorcyclists.
  • Our law firm has a 99 percent client success rate. We pride ourselves in our ability to obtain the case results that our clients need to move forward from serious accidents. Our past case results speak for themselves.
  • Our automobile accident attorneys in Denver operate on a contingency fee basis. This means if there is no win for your case, there is no fee for our services – guaranteed. You won’t take on any of the financial risks associated with bringing a claim or lawsuit.

How Our Denver Accident Attorneys Can Help

Working with an attorney on your accident claim can come with many important benefits, especially when you’re dealing with a case involving an uninsured or underinsured motorcyclist. An attorney can take over your claim from the beginning, investigating the crash, determining who is at fault and collecting evidence to support your case. 

You can trust your attorney to build a compelling case on your behalf, whether you must seek financial compensation from your own insurance provider or a third party. Most importantly, you and your family can improve your peace of mind when you allow a skilled professional to handle the claims process for you.

What Are Colorado’s Insurance Requirements?

All motor vehicle operators in Colorado, including motorcyclists, must maintain the required amounts of insurance under state law. Currently, these amounts are: 

  • $25,000 in bodily injury or death liability insurance per person
  • $50,000 in bodily injury or death insurance per accident 
  • $15,000 in property damage liability insurance

Operating any type of vehicle with less than these amounts – or no insurance at all – is against the law. Unfortunately, many motorcyclists and others in Colorado break this law every day.

Is Colorado a Fault or No-Fault Insurance State?

Colorado uses a fault-based system to determine financial responsibility, or liability, in a car accident case. If you get into an accident, the person who is most at fault for causing the collision will be liable for your medical bills and property damage. If you caused the crash, for example, you would use your own car insurance coverage to pay for the injured motorcyclist’s bills. If the motorcyclist caused the crash, however, he or she will be responsible for paying – typically through his or her insurance. 

How to Recover if the At-Fault Party Doesn’t Have Insurance

If a motorcyclist was unlawfully riding while uninsured or underinsured, you may have to seek financial compensation from your own insurance company instead. Call your own car insurance provider after this type of accident and ask if you have uninsured or underinsured motorist insurance. This specific type of coverage will pay for your losses and damages after getting into a collision with an uninsured motorcyclist. It is an optional type of coverage in Colorado, however, that may not be part of your policy. If you don’t have this type of insurance, work with an attorney to examine your other options, such as holding a party other than the motorcyclist financially responsible.

What to Do After an Accident Involving an Uninsured or Underinsured Motorcyclist

Do not admit fault or apologize for an accident involving a motorcyclist, even if the rider suffered more severe injuries in the crash than you did. As soon as you find out that the motorcyclist does not have automobile insurance, contact the police to report the collision. The police can document the crash with an official accident report, as well as punish the motorcyclist for unlawfully driving while uninsured or underinsured. Request your police report number before you go.

Visit a hospital in Denver without delay to receive professional medical care for any injuries that you suffered in the accident. Keep copies of your medical records and bills for your insurance claim later. Once you are on the mend, call your own car insurance company to report the wreck. 

Explain that the motorcyclist involved in the collision does not have insurance. Be careful when speaking to an insurance claims adjuster about your accident, even if it is your own insurance provider. The insurance company may try to take advantage of you to protect its profits. Before accepting a settlement for your accident, discuss all of your legal options with a personal injury lawyer. 

What Are Your Options if the Motorcyclist Doesn’t Have Insurance?

Although you will not have the motorcyclist’s auto insurance available to pay for your expenses, there may be other options that can help you pay for your property repairs, medical bills, lost wages and other expenses:

  • Collecting compensation from your own insurance company. If you have uninsured or underinsured motorist insurance, this will pay for your property damage and other losses after a crash involving a motorcyclist who does not have insurance. This is an optional type of car insurance in Colorado, however, that you may not have.
  • Filing a claim or lawsuit against a third party. Without the correct type of first-party insurance, your other option is to bring a claim against a third party other than the uninsured motorcyclist. For example, you may have grounds to bring a claim against the government for a road hazard that contributed to the wreck.
  • Holding the uninsured/underinsured motorist liable. There is a high likelihood that a motorcyclist who does not have insurance also cannot pay for a settlement out of pocket. However, an attorney can investigate this option for you. If the motorcyclist does have the funds or assets available, holding him or her personally responsible could be an option for financial recovery.

The motorcycle accident attorneys at Dormer Harpring can carefully analyze your auto accident case to determine the best possible legal remedy based on the circumstances. We have years of experience handling uninsured and underinsured motorist claims in Colorado. Then, our lawyers can help you handle the legal process so that you can rest, relax and focus on recovering from the accident. 

Contact a Denver Uninsured and Underinsured Motorcyclist Accident Lawyer

A collision involving an uninsured or underinsured motorcyclist can be overwhelming. Recovering fair financial compensation for your property damage, medical bills and other losses may require assistance from an attorney in Denver. Without the at-fault party’s insurance available, your attorney may have to rely on other sources for your monetary recovery. Discuss your specific case and legal options with our lawyers at Dormer Harpring today. Contact us online or call (303) 747-4404 to request a free accident case consultation.