When the at-fault driver has no insurance or too little, your own UM/UIM coverage may be the key to getting paid.
What UM/UIM Coverage Does
Colorado insurers must offer uninsured/underinsured motorist (UM/UIM) coverage, which Colorado insurers must offer. This coverage steps in when the at-fault driver has no insurance, flees the scene, or carries limits too low to cover your injuries. You can reject it only in writing.
Why It Matters in Colorado
A meaningful share of Colorado drivers are uninsured or underinsured. Without UM/UIM coverage, a serious crash with such a driver can leave you with no source of recovery despite no fault of your own.
Stacking and Limits
Depending on your policy, you may be able to access coverage across multiple vehicles or policies. The rules are technical, and insurers don't always volunteer the full extent of available coverage.
Don't Assume Your Own Insurer Is on Your Side
A UM/UIM claim is filed against your own insurance company — and they may still fight to minimize the payout. Having an attorney levels the field.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Colorado attorney.