Uninsured Driver Accident Lawyer in Denver, CO
Hit by an uninsured driver in Denver? Lionheart Injury Law makes your own insurance company pay your UM/UIM claim fairly, and in full.
Start Your Free Case ReviewRecent Results
What Can You Recover After Being Hit by an Uninsured Driver?
Most serious uninsured motorist claims we take resolve between $100,000 and $1 million, and stacked policies can multiply the coverage. Your own UM/UIM coverage pays what the uninsured driver cannot, and stacking can multiply it.
We prepare every case for trial from day one, and insurers know it. That is why our settlements come in bigger and faster. And so far, we are undefeated.
With us, you speak directly with your attorney, we help you get immediate medical care, regardless whether you have insurance, and there's no fee unless we win. Contact us now for a free consultation.
What Is a UM/UIM Claim?
When the at-fault driver is uninsured (UM), underinsured (UIM), carries too little to cover your injuries, or is a hit-and-run who cannot be found, your own auto policy's UM/UIM coverage (C.R.S. § 10-4-609) steps in to pay what the other driver should have. It protects you in your car, as a passenger, on a bike or scooter, and even as a pedestrian. MedPay on your policy can also cover medical bills regardless of fault. These are claims against your own insurer, which means the company that took your premiums is now on the other side. The underlying crash is still proven like any other car accident; what changes is who ends up paying.
Why You Need a Lawyer Against Your Own Insurer
People assume a UM/UIM claim is friendly because it is their own company. It is not. The insurer still scrutinizes your injuries, disputes value, and delays, because every dollar it pays you comes out of its pocket. We treat a UM/UIM claim as the adversarial case it is: we prove liability and damages as if suing the phantom driver, demand the stacking of coverage across your vehicles and policies, and pursue a resident relative's policy where it applies.
Do not give your insurer a recorded statement first. In a UM/UIM claim your own carrier is the adversary, and an early statement can be used to cut your claim. Call us before you talk to the adjuster.
Colorado's Bad-Faith Leverage
Colorado gives policyholders a powerful tool. If your insurer unreasonably delays or denies UM/UIM or MedPay benefits you are owed, the prompt-payment statutes (C.R.S. §§ 10-3-1115 and 10-3-1116) let you recover two times the covered benefit plus attorney fees and costs, on top of the benefit itself. That exposure is often what moves a stalling insurer, and we do not hesitate to bring it. When the carrier's conduct crosses that line, the fight becomes its own case: see how we litigate insurance bad faith claims in Colorado.
How These Cases Arise
Uninsured drivers (Colorado has many despite the mandatory-insurance law), underinsured drivers whose minimum 25/50/15 policy cannot cover a serious injury, and hit-and-run drivers who flee. In each, the injuries are just as real, and the path to payment runs through your own coverage and, sometimes, a search to identify the at-fault driver.
Common Injuries and Damages
These are ordinary crash injuries, TBI, spinal injuries, fractures, internal injuries, wrongful death, and the damages are the same as any auto case: uncapped economic damages, non-economic damages under the $1.5 million cap (HB24-1472), the $2,125,000 wrongful death cap, exemplary damages for an impaired or fleeing driver, and the bad-faith multiplier against an unreasonable insurer.
How Pain and Suffering Is Valued
There is no formula in the statute. Lawyers and adjusters lean on two recognized working methods.
The Multiplier Method
Economic damages times a severity-scaled figure.
The Per Diem Method
A daily value across the days affected, whichever drives the larger fully supported number.
How We Build the Case
We confirm and read your policy for UM/UIM and MedPay and for stacking, prove the other driver's fault and your damages, document the insurer's conduct to set up bad faith if it stalls, and, in a hit-and-run, investigate to try to identify the driver while preserving the UM claim. We also watch the policy's notice and consent rules so the insurer cannot deny on a technicality.
Comparative Negligence, First Offers, and Deadlines
Under C.R.S. § 13-21-111 (the 50% bar), your recovery drops by your share of fault, and your own insurer will argue it. Do not take the first UM/UIM offer; it is an anchor. The deadline for the underlying motor-vehicle claim is generally three years (C.R.S. § 13-80-101), but your policy may impose its own notice requirements, so act early.
When Should I Hire a Lawyer?
Soon, especially in a hit-and-run, where prompt reporting and investigation matter for both identifying the driver and preserving UM coverage, and before you give your insurer a recorded statement.
Will My Case Go to Trial or Arbitration?
UM/UIM disputes often go to arbitration under the policy rather than a jury, and bad-faith claims go to court. Either way, an insurer pays fairly only when the file is built to win. We are ready for both.
Talk to a Denver Uninsured Driver Accident Lawyer
If an uninsured, underinsured, or hit-and-run driver hurt you, your own coverage may be the answer, and we will make your insurer honor it. Free consultation, no fee unless we win.
Get a Free Case Review Call 720-763-5207Get a FREE Case Evaluation Today
We're here to help, 24 hours a day, 7 days a week