Colorado Uninsured & Underinsured Accident Attorneys

About 1 in every 7 motorists in the U.S. is driving without car insurance, according to the Insurance Research Council (IRC). In Colorado, the IRC has estimated that about 15 percent of all drivers don’t have car insurance. While drivers may choose to get any or enough car insurance for any number of different reasons (like, for instance, the high cost of premiums), the fact is that, when these drivers are responsible for causing car accidents, accident victims:

Will have difficulty getting the compensation they deserve from the at-fault driver, as these motorists likely don’t have sufficient assets to pay victims for their damages

Can look to their own insurance companies for compensation if they have uninsured and underinsured motorist coverage

Should not rely on insurance companies to give them the full amount of compensation to which they are due because insurers are notorious for trying to reduce or deny payouts in an effort to preserve their own profits.

At the Law Office of Littleton Lawyers™, our Littleton car accident lawyers are highly familiar with the full range of issues that come into play when accident victims are hit by uninsured and underinsured motorists. We are skilled at representing victims, helping them deal with insurers and, ultimately helping them get the compensation they deserve.

How Our Attorneys Can Help You with Insurers

When accident victims have been hit by uninsured or underinsured motorists or when they have been involved in hit-and-runs, it’s time to call the Littleton auto accident lawyer at Littleton Lawyers™. Some of the ways we can help victims get the full amount of compensation to which they are entitled includes by (but is not limited to):

Proving that victims have uninsured/underinsured motorist coverage (as some insurers may try to claim that people don’t have such coverage in order to try to avoid having to pay them for their valid claims)

Proving the extent and severity of their injuries

Compiling medical bills, car repair bills and other evidence necessary to establish the extent of the damages (and, as a result, the amount of compensation that victims deserve)

Going up against insurers both inside and outside of court to make sure they pay victims.

Other forms of negligence that may also contribute to rear-end collisions can include:

The negligence of companies that manufacture car brakes or other equipment in the event this equipment fails to work as cars are being driven

The negligence of trucking companies if these entities encourage their drivers to violate trucking regulations or drive when fatigued or if these companies fail to properly maintain their vehicles

The negligence of any entity that is responsible for keeping the road safe if, for instance, an intersection signal goes out or debris is left in the roadway for extended periods of time.

Experience You Can Count On: Littleton Lawyers™

Since 1983, the Littleton car accident attorneys at the Law Office of Littleton Lawyers™ have been aggressively standing up against injustice and advocating the rights of injured people. Our lawyers know how devastating the impacts of car accidents can be, and we know that many injured people depend on settlements to recover from these collisions. That’s why we are dedicated to helping injured people hold negligent parties responsible and ultimately getting them the highest possible awards for their injuries and losses.

At every stage of a case, our attorneys are committed to providing our clients with exceptional personal service and the highest quality legal representation. This means that our clients can always count on us to be available to answer their questions, to fiercely defend their rights and to be tenacious about getting them the justice and compensation they deserve.

Let’s Talk about Your Rights – Contact Us for a Free Consult

If you or a loved one has been injured in a motor vehicle accident and are preparing to file a claim against your uninsured or underinsured motorist policy, it’s time to meet with our Littleton car accident lawyers for a free, no obligations initial consult to learn more about your rights. Call us at (303) 562-1507 or email us using the 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 in the cities of Lakewood, Highlands Ranch, Lonetree, Castlerock, Westminster, Centennial and Aurora.

If you or a loved one has been injured in a car accident call us for a free case evaluation. (303) 562-1507.

Uninsured and Underinsured Motorist Claims Attorney Infographic

Frequently Asked Questions

Are there legal time limits to file an uninsured motorist claim in Colorado?

Yes, Colorado law sets a statute of limitations for filing uninsured motorist claims. Generally, you have two 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.

How does underinsured motorist coverage work if the at-fault driver has minimal insurance?

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.

How does having both uninsured and underinsured motorist coverage benefit me in Littleton?

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.

What documentation is needed when filing a UIM claim after an accident in Colorado?

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.

Can I stack UIM benefits from multiple vehicles insured under the same policy?

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.

In 2026, does Colorado uninsured motorist coverage also include underinsured motorist claims?

In 2026, Colorado’s uninsured motorist statute states that uninsured motorist coverage includes coverage for damage caused by an underinsured motor vehicle. This matters because many drivers carry only minimum liability limits that may not cover serious injuries. Your declarations page and policy language determine your limits and whether stacking or other features apply. A common issue is timing because UM and UIM claims still require you to document damages with medical and wage records. It also helps to gather proof of the at-fault driver’s limits early so you know whether the case is truly underinsured. When the paperwork is organized, you can push the insurer to evaluate the claim based on evidence rather than delay tactics.

Why is it important to consult an attorney after an underinsured motorist accident in Littleton?

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.

Additional Information in Littleton,CO

Understanding Uninsured Motorists: Provides essential insights into the issues surrounding uninsured motorists. It covers the importance of uninsured motorist coverage, the potential risks of encountering an uninsured driver, and how to protect yourself financially. The guide also explains the legal and insurance implications of such accidents.

Protect Yourself Against Uninsured Motorists: This article from the Insurance Information Institute explains the importance of uninsured motorist coverage and provides tips on how to protect yourself if you're involved in an accident with an uninsured driver. It covers the potential financial impacts and offers advice on how to ensure you are adequately covered under your auto insurance policy.

SB17-182: Colorado Uninsured Motorist Coverage Clarification: This bill clarifies the requirements and provisions of uninsured motorist coverage in Colorado. It addresses how insurance companies must handle claims involving uninsured and underinsured motorists, ensuring that policyholders receive fair compensation

Get in Touch

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.

      
   Littleton Lawyers
   57 Google reviews 
  Write a review 
  
 
 
   
 
 
       Posted on Google  
   
   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!
  
 
      Posted on Google  
   
   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!
  
 
      Posted on Google  
   
   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.
  
 
      Posted on Google  
   
   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.
  
 
      Posted on Google  
   
   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.
  
 
      Posted on Google  
   
   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.
  
 
      Posted on Google  
   
   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.
  
 
      Posted on Google  
   
   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.

2596 W Alamo Ave
Littleton, CO
80120-1902

(303) 562-1507

Renee Johnson

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!

Enzo The Alterist

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!

Ignacio Cohen

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.

Vikki Ross

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.

Lindsey Taylor-Bahr

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.

Lisa Higdon

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.

nicole fischer

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.

pat lobato

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.

Colorado Uninsured & Underinsured Accident Attorneys

How Our Attorneys Can Help You with Insurers

Experience You Can Count On: Littleton Lawyers™

Let’s Talk about Your Rights – Contact Us for a Free Consult

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Frequently Asked Questions

Additional Information in Littleton,CO

Get in Touch

Need Legal Help?

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