What are My Options If I’m Injured by an Uninsured Motorist? | Fort Collins Injury Lawyers
Call (800) 863-5312 to Speak with Fort Collins Car Accident Lawyers for Free
The State of Colorado requires all drivers to carry liability insurance, but unfortunately, not all drivers do. If you are hit by an uninsured driver, you may feel unsure how you should proceed. Though your legal options are limited, you still have ways to pursue recourse.
Your potential to recover may be greater if your own auto insurance policy covers against uninsured motorists. If it does not, you still have the option of suing the driver who hit you.
If you or a loved one is dealing with an insurance company after being injured in a car wreck, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our Fort Collins auto accident attorneys.
Option 1: Recover Damages from Your Insurance Policy
In Colorado, you have the option of purchasing uninsured/underinsured motorist coverage through your policy. In fact, all Colorado car insurance policies are required to offer it.
This type of insurance may allow you to be compensated for your injuries in an accident where the at-fault driver lacks insurance. Ideally, it would allow you to receive the same types of payment you would if the at-fault driver carried insurance of their own.
If you are not sure whether you have this type of coverage, you should contact your insurance company to find out. If you do have the coverage, and the other driver is found to be at fault for the wreck, you may make a claim under this portion of your policy.
It may be good to keep in mind that several uninsured motorist policies also allow you to recover if the accident was a hit-and-run, and the at-fault driver was not identified.
Option 2: Consider Suing the Insured Driver
If your insurance company informs you that you do not have uninsured motorist coverage, you may want to think about filing a lawsuit against the other driver. It will be important to think about the costs and benefits associated with doing so.
In particular, will the other driver likely be able to pay a judgment? If they have foregone insurance, they may not have the money or assets needed to pay for the damages you have sustained. The damage to your vehicle, medical bills, and lost wages may be costly, so the other driver’s ability to pay the judgment will probably be key.
Will it be easy to prove that the other driver was at fault, or could it be less clear, possibly resulting in a protracted lawsuit and additional legal fees? A car accident attorney can help you to further weigh the costs and benefits of commencing a lawsuit.
Get Help from Our Fort Collins Auto Accident Lawyers
At Zinda Law Group, our Fort Collins accident attorneys have helped countless auto crash victims get their lives back on track after suffering an injury. We have the knowledge and resources necessary to help you seek maximum compensation for medical bills, lost income, property damage, pain and suffering, and all the other ways your injury has cost you.
Our firm also believes that a car accident victim should never have to worry about their ability to afford excellent legal representation. That is why we offer 100% free consultations, and why you will pay nothing unless we achieve a favorable settlement, judgment, or verdict for your personal injury case. That’s our No Fee Guarantee.
If you or a loved one has been injured in a wreck, call Zinda Law Group at (970) 549-2138 to receive your free consultation with our Fort Collins car accident lawyers.
Meetings with attorneys are available by appointment only.