The process of recovering financially from an auto accident typically involves negotiations with insurance companies, through which you and your car wreck attorney could seek fair compensation that covers all of your related injuries and losses. However, if the driver responsible for the wreck does not have enough insurance coverage to make up for your losses—or does not have insurance at all—you may have to approach the civil litigation process differently.
If you need to recover damages from someone with insufficient insurance, professional legal guidance may be essential. A Pueblo uninsured car accident lawyer could examine your legal options and work tirelessly to get you the compensation you need.
State law requires all registered drivers to maintain a certain amount of insurance coverage in case of an accident. Specifically, drivers must have coverage for at least $25,000 of expenses related to one person’s personal injury or wrongful death, $50,000 for all personal injuries suffered in one accident, and $15,000 for property damage in a single accident.
In addition, insurance carriers in Colorado are mandated by state law to offer “med pay” coverage for short-term medical bills immediately after a crash. This coverage is good for up to $5,000 in medical bills and must be included in a standard insurance policy unless the policyholder explicitly opts out of it.
In the past, Colorado was a no-fault insurance state, which meant that those involved in car wrecks first had to pursue compensation through their own personal injury insurance coverage before they could file a claim with the liable party’s insurance or file suit directly against the at-fault driver. However, as of 2003, the rules have changed. A Pueblo attorney could help someone pursue any of these options if they were involved in a car accident with an uninsured motorist.
If possible, the simplest option for recovering compensation after an accident with a driver who does not have any insurance is to utilize uninsured/underinsured motorist coverage. State insurance carriers must make this kind of protection available to all policyholders.
If someone injured in a crash does not have this kind of coverage, an underinsured car wreck attorney in Pueblo could advise this person on their next best options. In some cases, there may be another defendant who could be held liable for the accident. For example, a municipal authority that left the road in poor condition could be responsible for paying compensation or the uninsured driver’s employer may be legally liable if the at-fault party was performing occupational duties at the time of the crash.
In other situations, the best option may be to file a lawsuit directly against the uninsured driver, rather than going through an insurance company. This can be a tricky endeavor for someone inexperienced with civil law to undertake, though, so it is generally best to talk to legal counsel before committing to any course of action or accepting a settlement offer.
A driver who is negligent both behind the wheel and because they lack insurance can dramatically complicate the aftermath of a car accident. Recovering enough compensation to make up for your damages could add stress and worry to the challenges you are facing with your injuries and debts.
Retaining a Pueblo uninsured car accident lawyer could go a long way toward simplifying this process and helping you obtain a positive outcome for your case. Set up your initial consultation by calling today.
I was uneasy about reaching out to a law firm after being in an accident that left me injured and my vehicle totaled. I don’t care for the idea of suing for what was very clearly an accident. However, after learning more about the overall process of working with a professional team to navigate the murky waters of the insurance world, I was pleasantly surprised to find that the experience wasn’t as gross as I’d originally felt about it. Everyone at Springs Law Group is very professional, provides quick responses, communicates with patience and kindness, and remained detail oriented the entire time.
Springs Law Group is an amazing group to work with! I got into a rough accident, and they never ceased to let me know they were there working hard to help me in my hour of need. It was always very easy to reach out to someone if I had any questions, and they were always happy to answer any questions I had.
The entire team at Springs Law group has been nothing but amazing. Jake and the rest of the staff were great to work with and extremely professional. They were very attentive and answered any questions and concerns I had. I was always able to contact them and they were very responsive and communicated with me
Big thanks to Mr. Jake Kimbell and his team for their assistance with my case. He helped me through an incredibly challenging part of my life, and most importantly helped navigate through the convoluted legal channels of my case. I cannot thank him and his team enough for their support.
I never have a problem with getting a response when I need them – which is not the case with most other firms. They really truly care about each client. As a plus, they always have positive attitudes, which matters tremendously when you are in a stressful legal situation.
Springs Law Group is an amazing group to work with! I got into a rough accident, and they never ceased to let me know they were there working hard to help me in my hour of need. It was always very easy to reach out to someone if I had any questions, and they were always happy to answer any questions I had.
Springs Law is very friendly and professional. I always felt that they were on my side and cared about my injury and what I was going through. I highly recommend them.