All drivers, even the most cautious ones, face the risk of getting into an accident every time they get behind the wheel. Colorado law requires Aurora drivers to carry the minimum amount of insurance to cover damages they might cause in an accident. Unfortunately, if you get into an accident, you could end up with costly injuries and damage to your car that exceed the minimum coverage required. If the driver who hits you has no insurance coverage, you still have options for financial recovery.
An Aurora uninsured car accident lawyer can assess your situation and help you with a legal strategy for getting compensation for your losses. Call Ben Crump, PLLC today at (844) 730-0233 or a free consultation.
How To Deal with an Uninsured Driver
In Aurora, at-fault drivers typically pay for damages they cause by using their liability insurance coverage. If you discover that the other motorist does not have insurance, it is normal to feel anxious about how your accident will affect you financially.
The good news is that it may still be possible for you to seek compensation by filing a claim with your insurance company or filing a personal injury lawsuit against the other driver. Assuming you have uninsured motorist coverage, your insurer will be the one to pay for losses that you should have recovered from the at-fault driver.
To protect your rights to make a recovery, consider working with an Aurora uninsured car accident lawyer who can discuss how your coverage could affect your case.
For a free legal consultation with a uninsured car accidents lawyer serving Aurora, call (844) 730-0233
Understanding Uninsured Motorist Coverage in Aurora
While Aurora motorists must purchase the minimum amount of liability coverage, it is optional to get uninsured motorist coverage. Still, chances are you already have this since Colorado car insurance companies are required to offer uninsured motorist coverage to their policyholders. The only way you would not have this kind of coverage is if you waived it in writing.
Take note that the policy compensates for personal injuries and not property damage. Nevertheless, uninsured motorist coverage can prove valuable when a negligent driver without auto insurance is responsible for an accident.
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Current State Law Provides Aurora Drivers with Better Protection
Previous insurance laws allowed insurance companies to collect uninsured motorist coverage premiums on multiple policies for multiple vehicles belonging to one household. However, policyholders were not permitted to stack or avail of their multiple coverages all at once. Thanks to Colorado Revised Statutes (CRS) §10-4-609, this practice is now prohibited, and you can enjoy the full benefits of your policies. Your insurer cannot include the anti-stacking language anymore into your policy.
For example, say you bought two separate uninsured motorist policies for your two cars at $50,000 each. If your medical bills amounted to $100,000 after an uninsured driver hit you, you would be able to combine your two policies to sufficiently cover your expenses.
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Make Sure Insurance Companies Treat You Fairly
Even if you have uninsured motorist coverage, do not assume that you will receive fair compensation without going through some hassles. Your own insurance company may not handle your case lawfully, or it may deny your claim completely. Remember that you must also follow contractual procedures to qualify for your coverage or else jeopardize your right to claim your benefits.
There is a chance that your insurance company will insist you did not agree to include uninsured motorist protection in your policy. Remember, as long as you did not sign anything that explicitly states you are rejecting the coverage, it should be available to you, whether or not it appears on your policy.
You can hire an Aurora uninsured car accident lawyer to make sure you understand your insurance coverage and obtain the benefits you are due. If your insurer refuses to offer you a fair settlement or delays payment, your attorney can help with your situation and offer legal guidance. Do not hesitate to contact Ben Crump, PLLC for any questions you may have regarding your policy. Call us today for a free consultation with a team member.
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Explore Legal Options with the Help of a Car Accident Lawyer
Another option for collecting damages in an uninsured car accident is through a civil lawsuit. This may be the ideal recourse if you do not have uninsured motorist coverage. It would also help if you do have uninsured motorist coverage, but the payout does not fully cover your expenses or if your insurance company does not take your claim seriously.
Be aware that suing the other party does not necessarily mean you can collect the due compensation. If they have minimal financial resources, the award you may collect from your lawsuit will be limited. Consult an Aurora uninsured car accident lawyer beforehand to weigh the benefits and risks of taking legal action.
Colorado Laws May Impact Your Car Accident Case
CRS §13-80-101 says the statute of limitations for car accident lawsuits in Colorado is generally three years from the accident date. If you are bringing a suit against a negligent uninsured driver, you must file it within this period, or the court is inclined to dismiss your case.
There are exceptions for extending the deadline, but there is little chance that one applies to your situation. It would be prudent to give yourself ample time to bring a lawsuit regardless of whether you plan to file an insurance claim. You cannot be sure you will reach a satisfactory resolution to your case.
One more rule to be mindful of is the law of comparative negligence. CRS §13-21-111 states that you can recover damages from a negligent party even if you share liability as long as you were not more at fault. However, the court or jury will reduce your award by the percentage corresponding to your degree of fault.
Reach Out to Our Team to Request a Free Consultation
Ben Crump, PLLC is here to help you navigate your claim or lawsuit if an uninsured driver’s negligent actions put you in harm’s way. An Aurora uninsured car accident lawyer can help you seek the best possible outcome, whether you are dealing with challenging insurance companies or bringing a case to court. Get in touch with us today at (844) 730-0233 to get started on your complimentary case review.
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