When it comes to carrying adequate insurance coverage for your automobiles, some people don’t understand the importance of a policy that includes “uninsured motorist” coverage.
In the event of a serious car accident, the Denver personal injury lawyers at Lonn Heymann Law Firm, P.C. will move aggressively to protect your rights, which may include seeking damages from your own insurance company or from the insurance company that issued the policies on other vehicles or family members in the household of the at-fault driver.
|Uninsured Car Accidents
And whether or not a motorist claims to have insurance has no bearing on whether you should speak to a Colorado accident attorney about seeking compensation in the wake of an accident. Often, an at-fault motorist will indicate he or she has no insurance, or has minimal coverage, in an attempt to minimize the changes of a claim.
Additionally, insurance companies may quickly attempt to settle a case, claiming to offer you the policy limits or all that is available under the coverage. Speaking to an experienced Denver car accident lawyer is always the best course of action.
Protecting Yourself with Uninsured Motorist Coverage
As the name implies, uninsured motorist coverage is designed to protect you against injuries and property damage if you are involved in an accident with another driver who has no insurance. Sadly, things are compounded if you do not have uninsured motorist coverage.
Protecting yourself with adequate uninsured motorist coverage is one of the best moves you can make. The reality is that habitually poor drivers, often on the road with suspended or revoked licenses and with no car insurance, cause a disproportionate number of Colorado car accident and car accidents nationwide.
The coverage, which is generally an additional provision to your basic auto policy, also comes into play in the event of a hit and run accident, where you have no knowledge of who the other driver was.
In Colorado, carrying uninsured motorist coverage for bodily injury liability is mandatory. However, uninsured motorist coverage for property damage is an option you would need to add to your policy. In Colorado, it is a requirement that every vehicle owner possess a minimum of $25,000 of bodily injury insurance coverage.
As of January 2008, the law regarding uninsured motorist coverage was amended to allow what is referred to as “stacking” of your different auto policy coverage provisions. The new legislation now allows you to “stack” the benefits of any uninsured motorist coverage you purchase on multiple vehicles within your household. If your policy was purchased or renewed after January 1st 2008, and you pay premiums on two uninsured motorist policies for two vehicles within your household, the changes to the law now allow you to “stack” the benefits of both policies on one accident occurrence.
And, more importantly, it allows an experienced accident attorney to recover damages from multiple insurance policies in the same household.
Many of our clients are involved in a car crash where the other motorist is uninsured or underinsured. The complex legal issues involving these cases require a unique understanding of all Colorado insurance laws and provisions, and the selection of the right legal representative will prove essential in bringing your case to a beneficial close on your behalf.
If you have suffered an injury or property damage involving an uninsured driver, we urge you to contact the Denver injury lawyers at Lonn Heymann Law Firm, P.C. for a free consultation about the legal ramifications of your case.