Nationally, about 12 percent of licensed drivers are not insured. In Colorado, however, the number of uninsured motorists is higher, as between 15 and 16 percent of motorists – or more than 1 in 7 drivers – in the state is not insured.

This can be unnerving for those who comply with Colorado’s insurance requirements – and it may be downright distressing if one of these drivers ends up hitting you. The good news, however, is that there can be options for compensation in these situations.

What You Should Know before an Uninsured Motorist Hits You: Options for Compensation

With about 15% of CO motorists being uninsured, here’s what you should know about protecting yourself in case you’re hit by one of these drivers, a Littleton car accident attorney explains.

If a driver without insurance (or without sufficient insurance coverage) hits you, you may be able to get compensation from your own insurance company as long as you have uninsured/underinsured motorist coverage (UM/UIM coverage).

This coverage, which is considered to be an “add on” to basic coverage, can allow you to obtain compensation for your property damage and maybe even your injuries after an uninsured or underinsured motorist hits you.

Filing UM/UIM Claims: What You Need to Know

If you have UM/UIM coverage and you do end up being hit by an uninsured or underinsured driver, you should be aware that:

Simply having this coverage does NOT guarantee you to a payout.
Insurance companies can be difficult to deal with (if not downright adversarial) when you file a claim, as they will be focused on protecting their profits (and this can come at your expense).
When it comes time to file a claim, be careful about what you say and your dealings with insurers. Also, be sure to retain all correspondence from insurers. You never know when you may need it later.
If an insurance company tries to claim that you don’t have UM/UIM coverage for any reason even though you know that was a part of your policy, talk to an experienced attorney ASAP. You may be dealing with insurance bad faith, and if so, having a lawyer on your side can be pivotal to obtaining the compensation you deserve.

Contact a Littleton Car Accident Attorney at Littleton Lawyers™

If you have been hurt in an auto wreck caused by any negligence, contact a Littleton car accident attorney at Littleton Lawyers™ for help getting on the path to financial recovery.

Our lawyers know how serious and devastating the impacts of auto wrecks can be, and we know that many injured people depend on settlements to get the medical treatments they need. That’s why we are committed to advocating injured people’s rights, helping them hold negligent parties responsible and getting them the highest possible awards for their injuries and losses.

To set up a meeting with one of our experienced attorneys today, call us at (303) 794-7422 or email us using the contact form on this page. From our law offices in Littleton, we represent clients throughout Colorado, including in the Denver Metro Area, Arapahoe County, Adams County, Jefferson County and the cities of Lakewood, Highlands Ranch, Lone Tree, Castle Rock, Westminster, Centennial and Aurora.

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Need Legal Help?

The attorneys at Littleton Lawyers™ have experience battling insurance companies to get clients the money they deserve. If you have an insurance dispute you need help with call 303-562-1507 or email us via the contact form below.

The information you obtain at this site is not, nor is it intended to be, legal advice. We welcome your calls, letters and email; however contacting us does NOT create an attorney-client relationship.

      
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   Renee Johnson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amazing!! If your looking and for legal help look no further. Mike Bhar and his lovely assistant Lana are amazing. Prompt, compassionate and really know what they are doing. Our family went through hardships after being ran over while on a motorcycle. The team guided us through the process and truly served us justice when the courts failed to do so. Mike was reassuring and took away the anxiety I had throughout the whole process. We were able to get the help for my injuries that were really needed and help get us back on our feet. We will forever be grateful for the help recieved by Mike and Lana at Littleton Lawyers. The event was traumatic and left a dent in our lives that almost crashed everything we have built. Not sure where we would be without these fantastic people. Saved our family from the worst. If your looking for honesty integrity and people that are passionate about what they do and will do it with confidence call Mike. I'll never call anyone else again for my legal troubles. Wonderful people that are human just like the rest of us. They will fight for you and everything that matters most. ❤️ Thank you guys again! The amount of gratitude I feel for these people simply can't be put into just one small review. Hopefully others that may be facing unfortunate hardships and need the legal help see this and make the call. Just do it!
  
 
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   Enzo The Alterist 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mike Bahr is a real stand up guy! Helping me get through this case of bad faith practices against my insurance company! 10/10 recommend!
  
 
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   Ignacio Cohen 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michael and Ben possess extensive knowledge of the insurance sector and will not hesitate to inform you if they believe the case lacks merit. Their guidance provided to our shared client during the legal consultation was exceptional. I highly recommend their services.
  
 
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   Vikki Ross 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michael Bahr is absolutely amazing! I was in a head on collision and after talking with several attorneys decided to go with Mike Bahr. I couldn’t be happier with how everything turned out. He is compassionate, reasonable, and a good lawyer all together. I was able to claim the maximum benefits from both my insurance and the at-fault parties due to the extent of my injuries. When you are in an accident there is a lot of unknowns that add additional stress on top of trying to heal. Mike was able to answer all the questions I had and made sure I was focused on recovery. On top of just being an outstanding person and attorney he also was reasonably priced. Some attorneys are only in it for the money, but Mike Bahr genuinely seems like he wants to help people. He was extremely helpful during one of the most stressful times in my life and for that I couldn’t be more grateful. If you are ever involved in an accident I 100% would recommend reaching out to Mike Bahr.
  
 
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   Lindsey Taylor-Bahr 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michael Bahr is downright the best lawyer in town! The most giving, detail oriented, and caring lawyer (if that exists). Would definitely recommend for any insurance related claims you are needing assistance with.
  
 
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   Lisa Higdon 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michael Bahr was very prompt in talking with me about my issue and he helped me get my issue resolved quickly and professionally when we had problems with an insurance company.
  
 
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   nicole fischer 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mike and Ben both worked on my case against the seller of my house that did not disclose a mouse infestation. Both of them listened to my case and discussed possible strategies to help me win. They had very little time to prepare (roughly a month) between the mediation and the trial. They were both very sympathetic to what had been an incredibly stressful situation. Because of Ben and Mike's help I ended up winning my case and I am beyond grateful for their help.
  
 
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   pat lobato 
 
 
 
 Trustindex verifies that the original source of the review is Google. This office is so amazing, I want to share my experience about these amazing two people we met, Michael Bahr and Renee Vigil, We reached out to them to get help with fighting for grandparents rights, Due to my Son Passed away and now the ex-daughter in law wants to restrict us from seeing our grandkids. We had hired an other lawyer who was top of the line Lawyer  only to tap out of retainer fee of thousands of dollars to get really nowhere, When I met Michael and Renee I immediately felt the difference of them being  Caring, Compassionate and felt they were not just lawyers but real people who felt my story. These 2 people are really there for you! I would refer them and consider them even only after a couple of visits at first they make you feel so comfortable to talk to. They have certainly have made us a friend of there's for life and don't need to ever! look for attorney else where if I ever need legal advice.