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Uninsured & Underinsured Motorists Accident Lawyer

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Carrying uninsured/underinsured motorist coverage in Colorado is the best thing you can do to protect you and your family, and to ensure the necessary resources will be available in the unfortunate event that you are involved in a serious motor-vehicle collision.  

Denver Uninsured & Underinsured Motorist Accident Attorneys

Being involved in a car accident often leaves victims hurt, overwhelmed, and majorly inconvenienced. The sudden realization that you will be without your car or truck for weeks and have to spend time recovering from any injuries you may have sustained can be frustrating. These accidents only become more complicated when you discover that the other driver lacks sufficient insurance coverage or is completely uninsured altogether. 
 
Victims of uninsured and underinsured motorist accidents often have a challenging time claiming appropriate compensation. By partnering with an experienced personal injury and car accident attorney, you can explore all of your legal options and have access to expert legal support every step of the way. At Fiedler Trial Lawyers, we have over 25 years of experience helping victims of Denver auto accidents secure the compensation they deserve so that they can recover from their injuries. 
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What Are Uninsured and Underinsured Motorist Accidents?

An uninsured or underinsured motorist accident occurs when a driver does not possess the sufficient coverage to pay for the damages or injuries that they caused after a collision. This often puts victims in a difficult spot, as they are unable to rely on the at-fault party’s insurance to cover the costs of their medical bills and lost wages. In some cases, the at-fault party may have the minimum insurance, but it isn’t enough to cover the total cost of the damage. 
 
In the state of Colorado, it is a legal requirement that all Denver drivers carry minimum liability insurance. This coverage includes:
 
  • $25,000 for bodily injury or death per person
  • $50,000 for bodily injury or death per accident
  • $15,000 for damage to vehicle and other property per accident
 
While having minimum car insurance is a requirement in almost every state, it is estimated that about 16% of drivers in the United States are uninsured. According to CPR News, Colorado is in the top 10 in the country with 17.5% of drivers uninsured. They also suggest that the main reason people may drive without insurance is simply because they are unable to afford it. Denver drivers who are caught driving without insurance may face license suspensions, points on their license, and potential fines. 
 
These accidents often leave victims having to pay for medical expenses and property damage out of pocket. However, there are options for those who are struggling financially after their accident. Drivers who were injured in an accident with an uninsured or underinsured motorist will be able to rely on their uninsured/underinsured motorist coverage to pay for your injury losses. 
 
At Fiedler Trial Lawyers, our team is also available to provide expert representation and help you pursue compensation through legal action. You should not have to suffer physically and financially because of another person’s negligence. Our firm is committed to serving those who have been injured in Denver auto accidents, helping you claim the compensation that you deserve.

How Does Uninsured/Underinsured Motorist Coverage Work in Denver, Colorado?

In Colorado, it is mandatory for all insurance companies to offer uninsured/underinsured motorist (UM/UIM) coverage to all drivers. In many states, drivers are required to have UM/UIM coverage, though Colorado drivers will have the option to accept or decline coverage. 
 
The purpose of UM/UIM coverage is to pay for a victim’s injuries after being involved in an accident with another driver with no auto insurance or insufficient coverage. UM/UIM coverage can also be useful after a hit-and-run accident when you are unable to identify the responsible party. More often than not, your auto insurer will automatically include this in your policy unless you specifically decline the coverage. 
 
After an accident, UM/UIM coverage can compensate for damages like:
 
  • Medical expenses
  • Lost wages
  • Pain and suffering
 
Because this coverage is focused on compensating victims for their bodily injuries, it does not always cover property damage after a collision. Victims will generally rely on their standard collision coverage for repairs or replacement for their vehicle. 
 
When the at-fault driver’s insurance is not sufficient enough to pay for your losses, UM/UIM helps fill the gap when it comes to medical expenses, wage replacement for your time away from work, and your mental suffering. 

UM/UIM Coverage and Hit-and-Run Accidents

After a collision, it is not uncommon for the uninsured or underinsured driver to flee the scene, especially when they are at fault. Uninsured drivers may fear the legal and financial repercussions and decide to take off without exchanging information or even checking to make sure the other driver is okay. When Denver drivers are injured in a hit-and-run accident, they are fortunate enough to be able to rely on their UM/UIM coverage to help cover the damages. 
 
When a driver flees the scene and the victim is unable to get any of their information, it can make pursuing compensation much more difficult. Your UM/UIM coverage will provide the same security during hit-and-run accidents, compensating for your medical bills, lost wages, pain and suffering, and more. UM/UIM coverage allows you to pursue compensation even without identifying the responsible driver. 
 
After a hit-and-run accident in Denver, you should:
 
  • Report the accident: Drivers who have been involved in a hit-and-run accident should file a police report as soon as possible. This will provide detailed and official documentation that will support your claim. 
  • Document the scene: If you are able, take photos of the scene, including damage to your vehicle and any apparent injuries. 
  • Call your insurance company: Once you have addressed your injuries and made sure that you and everyone in the vehicle are okay, you should inform your insurance company about the accident. Do not admit fault or incriminate yourself in any way when speaking with your insurer, as they may use it against you to try and reduce your settlement. 
  • Consult with an attorney: An experienced attorney will not only be able to guide you through the legal process, but they will also communicate with your insurance company on your behalf and ensure that you receive the maximum settlement. 
 
Our attorneys will be able to help you gather evidence to determine liability, negotiate with your insurer, and pursue additional compensation. If your claim is denied, we will continue to fight for you until you receive a fair settlement. 
 
If you have been injured in a Denver hit-and-run accident, do not hesitate to contact the team at Fiedler Trial Lawyers for legal advice. We will help you every step of the way, from filing a claim to fighting for your compensation and helping you move forward in your recovery. Contact us today for a free consultation.

Auto Accident Statistics in Denver, Colorado

Car accidents affect individuals and families living in Denver every single day. Auto accidents may happen for any number of reasons, but these accidents become overwhelmingly complicated for victims when the other driver is uninsured, flees the scene, or both. 
 
Drivers may lack sufficient coverage or be entirely uninsured, which can make it difficult for victims to pursue compensation for their injuries. When drivers flee the scene, victims may have to rely on their own insurance coverage to cover these damages. Collisions in uninsured/underinsured motorist cases are usually caused by:
 
 
Denver continues to face challenges with impaired driving. A CBS News report from 2024 ranked Denver and 3 of its surrounding cities as 4 of the top 75 cities with the highest drunk driving fatality rates in the entire country. Denver’s overall traffic fatalities are below the national average, but it was reported in 2022 that more than one in three traffic fatalities involved impaired driving.  
 
As of 2022, it is estimated that nearly 17.5% of Denver drivers are uninsured, despite Colorado law requiring minimum liability coverage. This is good for top 10 in the highest rate of uninsured drivers in the country. Almost 41% are considered underinsured.
 
Distracted driving is one of the leading causes of car accidents in Denver, Colorado. In a 2021 survey from the Colorado Department of Transportation (CDOT), over 91% of respondents admitted to having driven distracted at some point in the past week. Distracted driving was a factor in 72 reported auto accident deaths in 2022. 
 
As of January 1, 2025, Denver drivers who are caught using a mobile device while driving in any capacity will be issued a $75 fine and 2 points against their license. This law is being enforced in efforts to reduce the number of distracted drivers and texting and driving accidents throughout the state. 
 
Impaired driving is also a prevalent issue in Denver. In 2023, Denver reported over 700 traffic fatalities, over 200 of them being attributed to impaired driving. There were over 16,000 DUI cases in Colorado in 2023 alone, according to CDOT.

How Can Fiedler Trial Lawyers Help in Your Uninsured or Underinsured Motorist Accident Case?

At Fiedler Trial Lawyers, we specialize in guiding victims of auto accidents through every step of the legal process with confidence, ensuring that you receive the maximum compensation for your injuries. We work tirelessly for our clients, and we won’t stop fighting until you secure the compensation you deserve. 
 
Whether you were involved in a hit-and-run accident or the other party simply lacks sufficient insurance coverage, our team is here to help. We can assist by:
 
  • Helping you gather evidence that strengthens your case by collecting police reports, witness statements, surveillance footage, and more. 
  • Determining liability. Our attorneys will be able to help you identify the liable party and prove that their negligence and their actions were responsible for your injuries. 
  • Negotiating with insurance companies. If your insurer tries to lowball you and offer you an unfair settlement, our firm is available to hold shady insurance companies accountable for their bad faith practices. 
 
It is common for insurers to offer low settlements at first, minimizing the impact of the accident and hoping that you will accept their first offer. Our attorneys will be able to handle all communications with insurance companies on your behalf. We have been handling auto accident cases for over 25 years, and we have seen it all. We know how to negotiate with insurance companies to maximize your payout and can fight to secure you a fair settlement. 
 
We are able to offer our clients tireless legal support for their uninsured and underinsured motorist accident claims and other auto accidents as well, including: 
 
 
You can trust the experts at Fiedler Trial Lawyers to handle your uninsured/underinsured motorist accident claim with confidence and care. Our experienced team of attorneys has been serving the Denver area and its surrounding cities for over 25 years, providing exceptional legal support for our clients in winning millions in settlements. 
 
For a free, personalized case review, call us today or connect with us online and schedule your free consultation. If you are unable to visit us, we will come to you. We work endlessly for our clients and will not stop fighting until you secure the maximum compensation for your injuries and emotional suffering. 

Call Fiedler Trial Lawyers Today for Your Uninsured/Underinsured Motorist Accident

If you have been injured in a car accident by another driver without insurance, you may be stuck between a rock and a hard place. Victims often struggle with medical bills and lost wages after an accident with an uninsured or underinsured driver, as they cannot rely on their insurance company to help cover the costs. Many drivers will have to rely on their own UM/UIM coverage to help compensate for their injuries and their collision coverage to cover the property damage. 
 
If a Denver driver chose to opt out of their UM/UIM coverage, they could take legal action against the other driver. However, most drivers who do not have insurance tend to not be able to afford it. Thus, seeking legal action against them may not necessarily be worth the time and effort. 
 
By consulting with an experienced auto accident and uninsured/underinsured motorist accident attorney, you can explore all of your legal options and determine your best course of action. Our team is available to offer you a free and detailed review of your case. We have helped recover millions in auto accident claims for our Denver clients, and we can help you too. Don’t wait; call today or connect with us online and schedule your free consultation. Come see why our Denver clients have trusted us to make a difference in their case for over 25 years. 

Practice Areas

Trucking Accidents

Bad Faith Insurance Claims

Motor Vehicle Accidents

Motor Vehicle Accidents FAQ

Medical Malpractice

Catastrophic Injuries

Wrongful Death

Frequently Asked Questions

Uninsured motorist accidents are often more complicated because the at-fault driver lacks insurance coverage, leaving victims to seek compensation through their own policies or alternative means. Colorado’s laws regarding uninsured motorist coverage can be complex, and insurance companies may attempt to minimize payouts. Hiring an experienced uninsured accident attorney in Denver can make a significant difference, ensuring that your case is handled properly and your rights are protected.

If the at-fault driver’s insurance coverage doesn’t fully cover your losses, you can file a claim under your underinsured motorist policy if you have this coverage. Colorado allows policyholders to use their own UM/UIM coverage to help bridge the gap in such cases. An attorney with expertise in underinsured motorist accidents in Denver can evaluate your situation and fight for the compensation you need to recover fully.

In Colorado, there are strict deadlines, known as statutes of limitations, for filing claims related to uninsured or underinsured motorist accidents. Acting quickly ensures evidence is preserved, witnesses remain available, and your claim is filed on time. Additionally, the claims process can be lengthy, and delays may impact your ability to recover compensation. If you’ve been in an accident, we recommend you reach out to us as soon as possible so we can start building your case.

Additional Information in Denver, Colorado

More Frequently
Asked Questions

What to do after a car accident?

If you’ve been injured in an accident, there are several important steps you should take to protect your health and legal rights
  • Dial 911 – Emergency Services. Get checked out by emergency responders, even if you think injuries are minor, you should always get evaluated. If the accident involved a motor vehicle, file a report with the police This documentation could be important later on.
  • Document the Scene: If possible, take photos of the accident scene, your injuries, and any damage to vehicles or property. Collect contact information from witnesses and others involved in the accident READ MORE…

When involved in a personal injury claim, the process can be very intimidating. Many individuals facing this situation are often dealing with life-altering injuries, high medical bills, financial hardships and find themselves feeling very vulnerable.

Hiring a personal injury lawyer can be beneficial in a variety of situations, particularly when you have sustained significant injuries or damages due to someone else’s negligenceREAD MORE…

After being injured in an accident caused by someone else’s negligence, you may be wondering if you actually need to hire a personal injury lawyer. You would want to consult with an attorney, because in most cases, there will be an opposing party in your case that will be working against you. Choosing the right personal injury lawyer for your case is important to ensure you receive the best possible representation and outcome. Hiring a Denver Personal injury lawyer that specializes in that area of law is crucial, to ensure that you are getting proper representation, and your case is in good hands. Having an experienced lawyer like FIEDLER Trial Lawyers is helpful and provides powerful representation.

Here are some tips to help you choose the right lawyer:READ MORE…

The cost of hiring a personal injury lawyer can vary depending on the lawyer and the specifics of your case. However, personal injury lawyers work on a contingency fee basis, which means they only get paid if they win your case. Here’s how the contingency fee structure typically works and other potential costs to consider:

Contingency Fees: Percentage of Recovery: If the lawyer works on a contingency fee basis, they will take a percentage of the settlement or judgment amount you receive if you win your case. This percentage is typically around 33% to 40% but can vary depending on the lawyer and the jurisdiction.

No Win, No Fee: If you do not win your case, the lawyer will not charge you for legal fees. However, there may still be other costs you could be responsible for (discussed below).RAED MORE…

In a personal injury claim, you may be entitled to several types of compensation, also known as damages, to address the losses and injuries you’ve suffered due to someone else’s negligence or wrongdoing. The types of compensation typically fall into three main categories: economic, non-economic, and, in some cases, punitive damages. Here’s an overview of each:

Economic Damages: These damages are intended to compensate you for actual financial losses resulting from the injury:

Medical Expenses: Compensation for past, current, and future medical costs, including hospital bills, surgeries, medications, rehabilitation, and any other necessary medical treatment. READ MORE…

The value of a personal injury case can vary greatly depending on several factors unique to your situation. Since each case is different, there is no standard formula to calculate the exact value. However, here are some key factors that generally affect the worth of a personal injury case:
Severity of Injuries: The more serious and long-lasting your injuries, the higher the potential value of your case. This includes considering whether your injuries result in permanent disability or disfigurement.
Medical Expenses: Your case will take into account all medical expenses you have incurred, as well as future medical costs related to your injury.
Lost Wages and Earning Capacity: The case can include compensation for lost income due to time off work and any future loss of earning capacity if your injuries affect your ability to work.READ MORE…

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Our Client’s Say It Best

The best way to know and trust our Attorney Law Firm is to read
directly from our own clients.

Kevin

10 months ago

This is the representation that you are looking for! Ken Fiedler hits every box; from punctuality to communication to professionalism. I couldn’t be more satisfied to have chosen Ken to solve this unfortunate problem of mine. He will do the same for you!
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Franscheliz

a year ago

I want to take this opportunity to thank this team for everything they did for my family. James and Ken worked on my case with the dedication and tact that you need the most. They fought for my family like I was part of theirs and made me feel seen and heard. This is the type of law firm you want and…
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Brandi

a year ago

Ken and his staff are top notch! Ken helped my son and I with our auto accident case. He always took the time to answer our questions or explain things in more detail if needed. Ken is honest, straightforward, and a pleasure to work with. I will always recommend Ken and his team and…
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