When you’re involved in a car accident, you rely on the other driver’s insurance to cover the damage to your car as well as your injuries. Unfortunately, all too often, negligent drivers are underinsured or worse uninsured. Accidents can become even more frustrating when an at-fault driver leaves the scene of an accident, leaving you to foot the bill.
Thankfully, if a victim in an auto accident has uninsured and underinsured motorist coverage, he or she may be able to pursue compensation from his or her own insurance company.
At the Law Office of James H. Guest, L.L.C., we help accident victims all over Denver and Colorado successfully file claims against their own insurance company when uninsured and underinsured motorists are involved. We understand the methods insurance companies use to deny and minimize claims, even to their own policyholders, which means our attorneys can level the playing field.
Colorado law now allows policyholders to stack the amount of their underinsured motorist (UIM) coverage on the amount that the negligent driver’s insurance will cover. For example, the damages in an auto accident may add up to $175,000, but the negligent driver’s policy limit may be $25,000.
In such cases, our personal injury lawyers take action to get the $25,000 from the negligent driver’s insurance company. In addition to that, we will take action to pursue the remaining amount from the victim’s insurance company, up to the UIM limit.
In some cases, the negligent driver may have no insurance coverage at all; in which case, we then pursue compensation under the victim’s uninsured motorist (UM) coverage to obtain money to pay medical bills, lost wages and all other costs that would typically be covered by the negligent driver, with the exception of punitive damages.
The Unfair Claim Settlement Practices statute requires that insurance companies treat their insured parties in good faith. When an insurance company fails to do so, we may be able to pursue a bad faith claim against the insurance company and seek compensation totaling twice the covered amount plus attorney fees and more.
At the Law Office of James H. Guest, L.L.C., we make sure our clients feel confident about their recovery and are focusing on what matters most: getting better and back to their lives. We do this by providing full-service legal representation — from beginning to end — that covers everything from procuring medical records and accident reports to negotiating with insurance adjusters and more.
We take the guesswork — and the stress — out of filing a personal injury claim.
Founding attorney James H. Guest takes pride in getting to know each of his clients personally so he can ensure a settlement truly covers all of his client’s needs. His more than 30 years of experience handling a wide variety of personal injury cases also gives him the background necessary to handle even the most complex cases, including catastrophic injury claims.
Handling a personal injury claim involving an uninsured or underinsured motorist can be incredibly complex, not to mention frustrating if you don’t know what you’re doing. Make sure you have an advocate in your corner who has the experience, tenacity, and know-how to get results that are sure to be in your best interests.
If you or a loved one suffered injuries because of a negligent uninsured or underinsured motorist, talk to the attorneys at the Law Office of James H. Guest, L.L.C., in Denver. We are here to stand up for your rights. Contact us online or by telephone. We offer free initial consultations, and there is no fee if there is no recovery.