Uninsured/Under-insured Motorist Claims

What is uninsured/under-insured motorist coverage?

Uninsured motorist insurance is sold to cover you for injuries caused by an uninsured negligent driver (or under-insured driver). An uninsured driver is someone who did not have any insurance, had insurance that did not meet state-mandated minimum liability requirements, or whose insurance company denied coverage. A hit and run driver also counts as uninsured as it relates to bodily injury.

Under-insured motorist coverage is to compensate you for injuries suffered in a collision where the at-fault driver has coverage limits too low to cover your expenses. Under-insured drivers purchase only the minimum coverage required by law, which in some states isn’t much. For example, Colorado only requires drivers to carry $25,000 per person per incident of bodily injury liability coverage. If a driver with low coverage limits causes you to sustain a serious injury, it is possible that the available insurance benefit won’t pay all your medical expenses. This is the definition of an “under-insured” driver.

Should you be involved in an accident where the “at fault” driver lacks adequate liability insurance, your own underinsured motorist coverage covers you, and will more likely pay fair compensation if you are represented by Jim Gigax.  Click here for a free consultation.

According to the National Highway Traffic Safety Administration data released in 2017:

  • There were 22,441 passenger vehicle occupants who died in traffic crashes and an estimated 2.18 million passenger vehicle occupants who were injured.
  • There were 545 motor vehicle fatalities in Colorado and 145 in Wyoming in 2015. Data

Colorado ranks in the top 10 states for uninsured motorists Data

Colorado has more uninsured drivers than 41 other states, as a percentage of drivers.  In Colorado, there is a one-in-six chance (or greater) that the at-fault driver is uninsured. It is even more likely that the at-fault driver is underinsured.  Here is an article that shows  why folks need uninsured/underinsured motorist coverage:


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