If you were in an accident, you may be getting medical care, making vehicle repairs, or getting follow-up medical treatments. If you were not at fault for the accident, the other driver’s insurance company will cover your costs. However, what if the driver does not have car insurance? This can make your bad situation even worse. Fortunately, Colorado Springs Personal Injury Lawyers can help you get the compensation you need to get on with your life. Read on to know your options:
Call your Insurance Company
In Colorado, drivers must have uninsured motorist coverage included in their car insurance policy. Such coverage protects insured drivers from uninsured drivers. This type of coverage lets you make a claim against your own insurance company up to the limits of your policy.
Your other option is the underinsured motorist coverage, reserved for situations when the other driver does not have enough insurance to cover your damages. But, you can only use it if the uninsured driver was at fault for the accident. Make sure to notify your insurer as soon as possible after the car accident, so they know your intention to file an uninsured or underinsured claim against them.
Understanding How Uninsured or Underinsured Claims Work
If the driver at fault refuses to give you their insurance information, notify your insurance company immediately and let them know you plan to file an uninsured claim. The state of Colorado requires drivers to carry at least $25, 000 coverage for bodily injury or death to one person in an accident, $50, 000 bodily injury or death coverage to all persons in any one accident, and $15, 000 for property damage in any one accident.
Underinsured driver claims often take more time to develop. While you get medical treatment and your attorney helps determine the value of your case, you may find out that the liability coverage of the other driver is not sufficient. If you intend to make an underinsured motorist claim with your own insurance company, the claims process will involve a pre-trial investigation. Also, your insurance provider will review your medical records and accounts from witnesses. If your insurer cannot agree on a settlement amount, your lawyer can file a lawsuit for you.