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What You Need to Know About Uninsured and Under-Insured Motorist Coverage

By Burg Simpson
January 13, 2022
3 min read

What You Need to Know About Uninsured and Under-Insured Motorist Coverage

By:  Nick Fogel, Esq.

What is Uninsured and Under-Insured Motorist Coverage?

Uninsured and Under-insured Motorist Coverage, or “U-Coverage” is an insurance policy that can be purchased through your personal car insurance policy.  U-coverage provides additional insurance coverage in the event that you are involved in a motor vehicle collision and the at-fault driver either has insufficient insurance coverage or no insurance coverage.

Why is Uninsured and Under-Insured Motorist Coverage Important?

The State of Colorado only requires drivers to carry $25,000 in liability auto insurance coverage.  If you are seriously injured in a motor vehicle collision, $25,000 will not likely cover the costs of your injuries and damages.  Additionally, many motorists in Colorado do not carry auto insurance. The consequence of an uninsured motorist’s  lack of coverage means that if you are injured by an uninsured driver, you may have no opportunity to obtain financial recovery.

As of 2014, Colorado ranks in the top ten states for uninsured motorists. According to the Denver Post, “Nearly one out of every six motorists in the state was driving without auto insurance coverage in 2012, the ninth-worst ratio in the country, according to a report from the Insurance Research Council.” That means over 15 percent of Colorado drivers, or more than 500,000 motorists, do not have auto insurance.

If you are involved in an automobile crash in the State of Colorado, it is likely that the at-fault driver will either have no insurance coverage or only carry the required state minimum of $25,000.  However, if you have a U-coverage policy, this will provide you an additional safety net of recovery that can protect you and your family from instances where the at-fault driver’s insurance is lacking compared to the damages you have suffered.

Protecting Yourself From Uninsured Drivers

Check your auto policy or contact your insurance agent to determine if you currently have U-coverage.  When you determine how much U-coverage you have, find what it will cost to increase your U-coverage.

If you have any questions regarding this information or about any personal injury matter, please feel free to contact shareholder Nick Fogel at 303-792-5595 or email him at

About Nick Fogel

Nick Fogel is the practice group leader of Burg Simpson’s workers’ compensation department, which has achieved Tier 1 status by US News and World Report (the highest-ranking available).

Nick has been selected by the National Trial Lawyers Association for inclusion in The Top 40 under 40 Association and as one of the top 100 trial lawyers in Colorado. The selection is based on superior qualifications, leadership, reputation, influence, stature, and profile in the Trial Lawyer community. Nick has also been selected by The American Society of Legal Advocates as one of the Top 40 Litigation Lawyers under 40 in Colorado. In 2022, Nick was selected as a Colorado Super Lawyer and since 2012, Nick was selected as a Colorado Super Lawyer Rising Star, a distinction limited to only the top 2.5 percent of qualifying lawyers in the state. Nick has also been selected to the Best Lawyers in America and as a Top Colorado Attorney by 5280 Magazine.  Nick is rated AV-Preeminent by Martindale-Hubbell. An elite group of approximately 10 percent of all attorneys hold an AV Preeminent Rating.

This information is not to be interpreted as providing legal services nor as proposing any form of legal advice. You should always consult with an attorney regarding any potential legal action or application

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