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Uninsured And Underinsured Motorist Coverage

Every driver in Colorado is required by law to have purchased auto insurance. But not everyone follows the law. When you are injured by another driver who either does not have insurance or does not have enough insurance to cover your injuries, you will need to tap into your own insurance policy to cover your expenses.

At Larson Law Firm, PC, we understand how difficult it can be to work with an insurance company. Located in Alamosa, our lawyers offer the experience of city litigators with the convenience of a country law firm. When you need to secure compensation from your insurance provider, we know all its tactics and can ensure that you receive every penny from it following your car accident.

Why Do You Need Uninsured Motorist Coverage?

Colorado does not require you to purchase uninsured or underinsured motorist coverage in your auto insurance policy. Yet we firmly believe every driver should have it. If you get into any of the following situations without UIM coverage, you may not be able to get any compensation for your injuries.

  • You are injured in a hit-and-run. When the person who hit you drives away, you have no way of working with his or her insurance company. The only way to recover compensation is to consult with your own insurance company, under your uninsured motorist coverage.
  • The other driver has no insurance. While you may be able to sue the other driver directly, he or she most likely doesn’t have the money to pay you if he or she can’t afford insurance.
  • The other driver does not have enough insurance to cover your damages. While Colorado requires a minimum amount of coverage, this may cover only a fraction of your injuries. Having underinsured motorist coverage helps ease the burden and cover what the other driver’s insurance company will not.

Over A Decade Of Experience At Your Fingertips

Our team is well-versed in personal injury and insurance law. We fight for every last penny, whether through skillful negotiation or fierce advocacy in the courtroom. We are here for you – call our law firm at (719) 587-1992 to get started with a free initial, no-obligation consultation, or you can reach us online to make an appointment.