Colorado Uninsured & Underinsured Accident Attorneys

Yes, Colorado law sets a statute of limitations for filing uninsured motorist claims. Generally, you have three years from the date of the accident to file a claim. It's crucial to act quickly and consult with an attorney to ensure all necessary documentation and filings are completed within this timeframe.

Underinsured motorist coverage provides additional protection when the at-fault driver's insurance is insufficient to cover all damages. In Littleton, Colorado, this type of coverage can bridge the gap between what the at-fault driver’s insurance pays and the actual costs of medical care, lost wages, and vehicle repairs, ensuring you are fully compensated.

Holding both types of coverage ensures more comprehensive protection—uninsured motorist (UM) can compensate when an at-fault driver lacks any insurance, while underinsured motorist (UIM) fills gaps when their coverage is insufficient. In Littleton, Colorado, maintaining both can mean coverage for damages that exceed the at-fault driver’s policy limits. This dual coverage can provide financial recovery for medical bills, lost income, and pain and suffering when the at-fault party cannot fully compensate you. Having both coverages helps you avoid relying solely on the at-fault party’s limited resources. Your insurer may still dispute your eligibility or minimize payouts, making legal advice vital. A knowledgeable attorney can negotiate with insurers and enforce your rightful claims under both UM and UIM.

You should compile all medical records, bills, diagnostic reports, vehicle repair estimates, and receipts for related expenses such as therapy or medication. Submit proof of lost wages or diminished earning capacity, including pay stubs or employer statements. Include the at-fault driver’s insurance information and any settlement offer or policy limits disclosed. It's also helpful to have documentation of your own insurance policy’s UM/UIM provisions. Your attorney can help structure the claim, demonstrating why UIM coverage should be triggered. Proper documentation strengthens your case and supports the full value of your claim.

Yes, stacking allows you to combine UIM limit amounts from multiple vehicles on the same policy to increase the coverage available for a single claim. In Colorado, stacking is permitted unless your policy explicitly waives it in writing, which is common. This can significantly increase compensation, especially if you have multiple vehicles insured under one policy. Your attorney can review your policy to determine if stacking applies and how it impacts your claim. If coverage was wrongly denied or stacking was improperly restricted, your lawyer can challenge the insurer’s position. This can be especially critical when your damages exceed a single vehicle’s UIM limit.

Consulting an attorney is vital after an underinsured motorist accident because they can help navigate the complexities of insurance claims and ensure you receive full compensation. At Littleton Lawyers, we understand the nuances of Colorado insurance laws and can advocate on your behalf to maximize your claim's value. To learn more,  reach out to us.