In most car accidents in Denver, victims can file a third-party claim with the at-fault driver’s mandatory liability insurance coverage. But there are instances where the other driver does not carry auto insurance, making it challenging to get compensation. However, you still have other options for getting the compensation you deserve from them.
A Denver uninsured car accident lawyer with Ben Crump Law, PLLC, can help you pursue legal action against liable drivers with no insurance coverage. Contact our legal team at (800) 598-7557 to schedule your free case review today.
Availing Optional Insurance Policies
Vehicle owners in Denver must have liability insurance to pay for the injuries and property damage they cause in an accident, as explained in CO Rev Stat 42-4-1409 (2016). As the Colorado General Assembly explains, they can also avail of the optional insurance policies that Colorado requires insurance providers to offer to them.
Uninsured Motorist Coverage for Injuries
The optional coverage that insurance companies must have is uninsured motorist/underinsured motorist insurance. It can cover the injury expenses caused by uninsured drivers, hit-and-run accidents, and motorists with inadequate insurance. While car owners can waive this option if they want to, keeping the UM or UIM coverage can prove helpful in circumstances like yours.
Collision Coverage for Car Repairs
Since the uninsured motorist coverage will only handle your injury-related costs, you still have to deal with vehicle repairs. This is where collision insurance can be useful. Insurance providers are not required by law to offer this, but it could help pay for car damage caused by crashes.
If you suffered injuries, or your car was damaged, and you carry these optional coverages, a Denver uninsured auto accident attorney can help file a claim with your insurer. They can also negotiate with them with the aim that you receive adequate compensation.
Filing a Car Accident LawsuitYou can also file an auto accident case against the liable driver if you do not carry any optional coverages to help pay your expenses. With a civil lawsuit, the court will examine your arguments and proof before determining how much the liable party owes you.
Recovering Damages From an Accident
If the vehicle accident case is successful, you could receive awards from the defendant. These serve to compensate you for the actual expenses and the inconveniences they caused. Some of the awards could cover the following:
- Surgery, rehabilitation, and other medical expenses
- Lost wages while in treatment or recovery
- Vehicle and other property repairs
- Funeral and burial costs (if the accident resulted in death)
- Pain and suffering
- Emotional anguish
However, do keep in mind that your receivable amount can depend on whether the court finds you partially liable for the accident or not. Colorado’s comparative negligence law means that they can deduct from your total damages based on the percentage of fault you have. Let us say that the jury finds you 25 percent at fault for not evading the vehicle when you could have. If, for instance, you were initially entitled to $120,000, you will now only receive $90,000 or 75 percent.
A Denver uninsured car accident lawyer from Ben Crump Law, PLLC, can assist you in developing your case. Some tasks they can help you with include collecting evidence and records of your expenses. They can also help you present your case in court and provide advice during the proceedings.
For more information about our legal services, you may call our team.
For a free legal consultation with a uninsured car lawyer serving Denver, call (800) 598-7557
Other Reasons to Have a Denver Uninsured Car Accident Lawyer
Aside from helping you file an insurance claim or search for evidence of the driver’s negligence, a car collision attorney can also help you with other challenging aspects of your situation. For example, if you have trouble understanding an auto accident-related law or a legal term, a lawyer can explain it to you in further detail. One of their responsibilities is to study your city and state laws. They will likely know if there are any changes to the code.
Determine Other Liable Parties
Aside from the liable, uninsured driver, more people or entities could also be involved in your accident. For instance, there might be another reckless or distracted motorist that caused them to crash into your car. A company could also be responsible for the accident if they set up obstructions on the road without warning signs for drivers to avoid them.
An attorney can help investigate further into the incident to check if there are other parties responsible. They can also help you sue them if you wish to do so.
File Your Case on Time
The general deadline for submitting car accident lawsuits in Denver or the rest of Colorado is three years, according to CO Rev Stat 13-80-101 (2018). Three years might seem like enough time to work on your lawsuit. However, starting on it early can help prevent future problems from hindering your progress. Following this statute is a must since the court dismisses cases that exceed their time allowance.
A Denver uninsured car accident lawyer can help ensure that you can file your suit within the allotted time. They can also assist in establishing your case’s deadline and help you check if there are other requirements that you still need to fulfill.
Denver Uninsured Car Lawyer Near Me (800) 598-7557
Get Legal Assistance for Your Accident
Dealing with the aftermath of an uninsured accident can be a stressful ordeal, especially when you are still recovering from your injuries or handling car repairs. A Denver uninsured car accident lawyer with Ben Crump Law, PLLC, can review your case and help you explore your legal options.
Call our legal team at (800) 598-7557 for inquiries and to schedule a free case evaluation.