Uninsured (UM) automobile insurance coverage protects drivers when the other driver in an automobile accident does not have automobile insurance coverage or if you are invovled in a “hit and run” or an accident with a “phantom vehicle.”

Underinsured (UIM) automobile insurance coverage pays for your personal injuries and property damage when you are involved in an accident with a person who is at fault and has minimal insurance coverage or has insurance coverage that is insufficient to compensate you for your injuries and damages.

The Risk of Minimum Coverage

Most automobile insurance companies offer a wide variety of coverage options when it comes to automobile insurance coverage. Purchasing just the minimum coverage available is risky since the minimum coverage available may not be enough in the event of a serious injury accident. However, we understand that sometimes the minimum is all that some people can afford. The experienced Colorado and Wyoming car accident lawyers at Burg Simpson Eldredge Hersh Jardine, P.C. have represented thousands of car accident victims and work diligently to ensure they receive the compensation to which they are entitled such as:

• Medical expenses
• Rehabilitation
• Lost wages
• Loss of future wages
• Funeral expenses (in the event of a wrongful death)
• Loss of consortium (the claim of a spouse of an injured person)
• Pain and suffering

Uninsured vs Under-insured Coverage

Uninsured automobile insurance coverage pays for damages caused by a driver with no insurance. Under-insured automobile insurance coverage pays for damages caused by a driver with less insurance than is needed. Not everyone has uninsured and underinsured automobile insurance coverage on their policies, but you are better off having this coverage.
Uninsured and underinsured automobile insurance coverage is for those times when:

• You or a loved one is injured in an automobile accident with an uninsured or underinsured driver
• You or a loved one is injured in an accident with a “hit and run” driver
• You or a loved one is injured through no fault of your own, but the other driver is uninsured or underinsured
• Your or a loved one, as a pedestrian, is injured by an uninsured or underinsured driver

If you are involved in an automobile accident, you must obtain all the pertinent information from the other driver, including whatever insurance coverage they have, and give that information to your insurance company.

Your insurance company may require a signed statement from the uninsured driver stating he has no insurance. Then you can make a claim with your insurance company for your damages. In the event of an underinsured driver, you will be compensated for your damages by the underinsured driver’s insurance company up to the limits of their policy, and then you will make a claim for the remainder of the damages with your insurance company.

Your own insurance company may not compensate you if they feel you were at fault and to what extent you suffered injuries. An automobile accident lawyer experienced in uninsured and underinsured claims can help to protect your legal rights and help you get the compensation you deserve.

Please contact us today to schedule your confidential consultation to discuss your vehicle accident claim.

• Michael S. Burg
• Peter W. Burg
• David P. Hersh
• Kerry N. Jardine
• Thomas W. Henderson
• Holly Kammerer
• William L. Simpson
• Colin M. Simpson
• Janet G. Abaray
• Brian K. Matise
• Steven G. Greenlee
• Melanie S. Bailey
• Calvin S. Tregre Jr.
• George E. McLaughlin
• Stephen J. Burg
• Reeves D. Whalen
• Erica Adams
• Randall Peterson
• David Harman
• John M. Connell
• James G. Heckbert
• Thomas R. Leemon