You followed the rules and carried insurance. The driver who hit you did not, and now the bills and the missed work are landing on you, with no one obvious to collect from. That is exactly what uninsured and underinsured motorist coverage is for, and our Arvada car accident lawyers know how to turn it into a real recovery.
Boesen Law holds your carrier to the coverage you bought and fights for the maximum compensation you deserve. The first meeting is free and held in person, and there is no attorney fee unless we recover compensation for you.
Reach out to our law firm for a no-cost, no-obligation consultation today. Call our personal injury lawyers in the state of Colorado at (303) 999-9999 or contact us online.
How an Arvada Uninsured Motorist Accident Lawyer Supports Your Claim
A UM or UIM claim runs through your own policy, which means the work is part coverage analysis and part the same hard advocacy any injury claim demands. We handle both.
Here is what handling your UM claim involves:
- Find all the coverage you have. We review every policy in your household, because UM and UIM coverage can sometimes stack across vehicles and family members to raise the available limits.
- Confirm the at-fault driver’s coverage gap. We verify whether the other driver was entirely uninsured or merely underinsured, since that determines which part of your policy responds.
- Meet every notice requirement. We put your carrier on notice correctly and on time, so a technical misstep never becomes a reason to deny benefits.
- Document your injuries and losses fully. Your uninsured motorist accident lawyer works with your providers so the medical record and the impact on your life support the value of the claim.
- Treat your insurer like any opponent. We negotiate firmly and, when the carrier acts in bad faith, we are prepared to hold it accountable for that as well.
- Prepare the claim for arbitration or trial. We build the file to be ready for whatever resolution path your policy and the facts require.
Boesen Law has handled uninsured and underinsured claims, including wrongful death claims when a driver flees or is uninsured, across the north metro, and you can reach our attorneys at any time, day or night, with the same readiness to share results from cases where the at-fault driver could not begin to cover the harm they caused.
How Uninsured and Underinsured Motorist Coverage Works in Colorado
Uninsured and underinsured motorist coverage is the safety net that catches you when the at-fault driver’s insurance does not. Colorado requires insurers to offer this coverage, and while drivers can decline it in writing, most carry at least some, which is what makes a recovery possible after a crash with an uninsured driver.
Uninsured motorist coverage applies when the at-fault driver had no liability insurance at all, or when an unidentified hit-and-run driver caused the crash. Underinsured motorist coverage applies when the at-fault driver had some insurance, but not enough to cover your losses, and it pays the difference up to your policy limits. Because Colorado law allows these coverages to stack in some situations across multiple vehicles or policies, identifying every applicable layer can meaningfully raise the money available to you. The coverages in uninsured motorist accidents in Colorado can stack and overlap, and our team works through the policy language so nothing that should pay your claim is overlooked. If you are unsure what coverage you carry, contact Boesen Law for a free consultation and we will read the policy with you.
Common Situations That Lead to Uninsured Motorist Claims in Arvada
Uninsured and underinsured claims arise whenever the at-fault driver cannot fully pay, and that happens more often than most people realize on Arvada roads. A crash that would normally be a straightforward liability claim turns into a UM matter the moment the other driver’s coverage falls short.
These claims commonly follow:
- Crashes with completely uninsured drivers who never bought the required coverage and have no way to pay a judgment.
- Hit-and-run collisions where the fleeing driver is never identified and is treated as uninsured.
- Underinsured-driver crashes near busy corridors like West 64th Avenue, where a driver carrying only minimum limits causes serious injuries that exceed those limits.
- Multi-vehicle crashes where the available liability coverage is spread thin across several injured people.
In each of these, your own coverage becomes the path to a full recovery. If an uninsured or underinsured driver hurt you in any of these ways, Boesen Law can help you build the claim and press your carrier to honor it.
Injuries That Drive Uninsured Motorist Claims in Arvada
UM and UIM claims tend to involve injuries serious enough to exceed whatever coverage the at-fault driver carried. We see many Arvada clients coping with:
- Traumatic brain injuries and concussions with lasting cognitive and emotional effects.
- Spinal and back injuries, including herniated discs and nerve damage that may require surgery.
- Fractures of the limbs, ribs, and pelvis from high-energy impacts.
- Internal injuries that demand emergency care and follow-up.
- Catastrophic injuries that lead to long-term care, the kind our Arvada catastrophic injury lawyers take on.
- Aggravation of prior conditions that a crash makes significantly worse.
Because the value of these injuries often exceeds the at-fault driver’s limits, documenting them carefully is what justifies reaching into your own coverage, and your uninsured motorist accident lawyer works with treating physicians and specialists to build that record.
Compensation Available Through an Uninsured Motorist Claim in Arvada
A UM or UIM claim is meant to put you in the position you would have been in if the at-fault driver had carried adequate insurance, which means the same categories of damages apply, up to your coverage limits.
- Economic damages. Medical bills, future treatment, lost wages, and reduced earning capacity, documented and pursued to the policy limits.
- Non-economic damages. Pain, lost enjoyment of life, and emotional suffering, contained by Colorado’s cap, with a higher tier set aside for serious physical impairment.
- Future care costs. Ongoing treatment and rehabilitation your doctors anticipate, valued with help from medical and economic experts.
- Stacked coverage. Where the law allows, the combined limits of multiple policies or vehicles, which can substantially increase what is available.
Boesen Law has recovered hundreds of millions for clients throughout Colorado, and a claim against your own insurer gets that same resolve as any other. We welcome a free consultation to talk through the coverage and what your claim may be worth.
Do You Have an Arvada Uninsured Motorist Claim?
Stephen A. Justino, with thirty-two years of experience pursuing motor vehicle claims and the coverage disputes that come with them, notes:
*”Nothing catches a client off guard like learning a UM claim means going to battle with their own insurer, the company they paid on time for years. That relationship sours faster than people expect, so I prepare for the fight from the first day. The piece most lawyers miss is stacking: coverage on a second vehicle, a spouse’s policy, a resident relative’s policy, each one potentially adding to the total. I read every page of every policy in the home, because the protection you bought is only worth what someone forces the carrier to pay.”*
The most overlooked piece of these claims is stacking. Coverage on a second vehicle, a spouse’s policy, or a resident family member’s policy can sometimes combine to raise the limits, and we pursue each one so the recovery reflects everything you are entitled to.
What Cases Like Yours Have Recovered
Boesen Law’s results in intersection and angle crashes include a $525,000 recovery for a client struck in a T-bone by a driver who ran a red light, who was left with a concussion plus significant whiplash and body pain, and a $250,000 result for a client hit at an intersection who came away with a possible concussion, whiplash, and pain in the hip and back. Our full case results speak to the preparation behind results like these.
If an uninsured or underinsured driver hurt you in Arvada, we will review your coverage with you and outline your options.
Contact an Arvada Uninsured Motorist Accident Lawyer at Boesen Law
When the driver who hurt you cannot pay, the protection you bought for exactly this moment becomes the most important part of your case. Getting full value from your own insurer takes someone who will treat the claim with the same seriousness as a fight against any other carrier. Boesen Law is a boutique firm with big results, backed by decades of combined legal experience, and your recovery is our priority.
Reach out through Contact Boesen Law for a free, in-person consultation. An Arvada UM lawsuit is filed in the Jefferson County District Court, which serves the First Judicial District. Our phones do not go to voicemail, day or night, our staff can help you in English, Russian, or Spanish, and you pay nothing in attorney fees unless we recover compensation for you.
FAQs About Arvada Uninsured Motorist Accidents
What happens if the driver who hit me in Arvada had no insurance?
If you carry uninsured motorist coverage, you can file a claim under your own policy to recover for your injuries, lost wages, and pain, much as you would against an at-fault driver’s insurer. Colorado treats an unidentified hit-and-run driver as uninsured as well, so this coverage often applies even when the other car is gone. The key is confirming your coverage and meeting your policy’s notice requirements.
What is the difference between uninsured and underinsured motorist coverage?
Uninsured motorist coverage applies when the at-fault driver had no liability insurance at all or fled the scene. Underinsured motorist coverage applies when the driver had some insurance, but not enough to cover your losses, and it pays the gap up to your limits. Many Colorado policies include both, and we identify which one applies to your crash.
Can I combine, or stack, my coverage in Colorado?
In some situations, yes. Colorado law allows uninsured and underinsured coverage to stack across multiple vehicles or policies under certain conditions, which can raise the total limits available to you. Whether stacking applies depends on your specific policies, and reviewing all of them is one of the first things we do.
Will my rates go up if I file an uninsured motorist claim?
Filing a UM claim after a crash you did not cause should not be treated the same as an at-fault accident, and you paid premiums for this protection precisely so it would be there. If your insurer treats your legitimate claim unfairly, that conduct itself can give rise to additional claims, which we are prepared to pursue.
How long do I have to file an uninsured motorist claim in Colorado?
Most motor vehicle injury claims must generally be filed within three years of the wreck under C.R.S. § 13-80-101. UM and UIM claims also carry their own deadlines under your policy, so prompt action protects your right to benefits. On a UM claim, the personal injury time limits run alongside your policy’s own notice deadlines.
Reach out to our law firm for a no-cost, no-obligation consultation today. Call our personal injury lawyers in the state of Colorado at (303) 999-9999 or contact us online.
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