Available 24/7 (214) 333-3333
Available 24/7 (214) 333-3333
Available 24/7 (214) 333-3333
Available 24/7 (214) 333-3333
Available 24/7 (214) 333-3333
Available 24/7 (214) 333-3333
Uninsured motorist cases occur when the at-fault driver has no insurance coverage to pay for the harm they caused. Even though Colorado law requires drivers to carry liability insurance, many people drive without it. According to the Insurance Research Council, an estimated 19.7% of Colorado drivers — nearly 1 in 5 — were uninsured in 2023, ranking Colorado among the ten worst states in the nation.
In these situations, your own insurance policy’s uninsured motorist coverage becomes critical. This coverage is designed to step in when the at-fault driver cannot pay. However, insurance companies — even your own — often fight to minimize what they owe. They may argue that the other driver was not fully at fault, that your injuries are not as serious as claimed, or that you do not qualify for coverage.
At Frenkel & Frenkel, our Denver personal injury attorneys treat every uninsured motorist case as if it will go to trial. We investigate the accident thoroughly, document your injuries completely, and build the strongest case possible from day one. Colorado law also provides strong protections against insurers who unreasonably delay or deny your claim — and we know how to use those protections for you.
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KEY TAKEAWAYS
Quick Answer
Do I need a lawyer after an accident with an uninsured driver in Denver?
Yes -- and time matters. Even though you are filing a claim with your own insurance company, they will look for ways to reduce what they pay. Colorado law includes strong bad faith protections: if your insurer unreasonably delays or denies your UM/UIM claim, you may be entitled to recover twice the amount of the denied benefit plus attorney fees under C.R.S. secs. 10-3-1115 and 10-3-1116. Frenkel & Frenkel knows how to use these protections to fight for you. You pay nothing unless we win.
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No matter if your accident was caused by a drunk driver, driving while distracted, or other negligent behaviors, we will be there to ensure that the negligent driver pays for their reckless and dangerous acts. However, one thing that can complicate pursuing compensation is when a negligent driver is an uninsured or underinsured motorist.
At Frenkel & Frenkel, we are your injury attorneys if you are involved in a car accident in Denver & Fort Worth TX. We’ve earned a reputation for offering expert personal injury protection to those who need it in and around Denver. We will work hard to help you receive fair compensation in any vehicle accident—including collisions with uninsured motorists.Learn more about car accident legal resources at the American Bar Association.
Even if you are the most responsible driver in the world, you are not protected from someone without car insurance or someone who only has the state minimum amount of coverage crashing into your car. In Colorado, insurers are required to offer UM/UIM coverage equal to your liability limits — and it is automatically included in your policy unless you reject it in writing. You should review your policy to confirm you have adequate coverage.
Colorado Minimum Insurance Requirements:
Colorado law requires $25,000 per person / $50,000 per accident bodily injury liability and $15,000 property damage (25/50/15). These minimums are lower than Texas’s. In a serious accident, costs almost always exceed these limits — making UM/UIM coverage especially important for Colorado drivers.
If you were injured by an uninsured or hit-and-run driver in Denver, we are ready to listen. Contact us today for a free case review.
Every case is different. Some cases settle in a few months. Others may take a year or more, depending on how complex they are.
A few things can affect the timeline. How serious are your injuries? Is the at-fault driver truly uninsured, or do they have minimal coverage? Does your insurance company accept liability quickly, or do they fight your claim? These factors all play a role.
Our team works to move cases forward as quickly as possible. At the same time, we do not rush into a settlement that may not be fair. We keep you updated along the way so you always know where things stand.
At Frenkel & Frenkel, we work on a contingency fee basis. That means you pay nothing upfront. We only collect a fee if we recover money for you.
There is no charge for your first consultation. You can call us, tell us what happened, and we will let you know if we think we can help. There is no pressure and no obligation.
As a team of experienced uninsured motorist accident attorneys in Denver & Fort Worth TX, Frenkel & Frenkel understands the complications that can arise in an accident caused by an uninsured motorist. If an uninsured motorist causes an accident that results in injuries, hospital bills, repairs to your vehicle, lost wages, pain and suffering, and a reduced quality of life, you are entitled to fair compensation.
The experienced car accident attorneys at Frenkel & Frenkel understand the harm that uninsured and underinsured motorists can cause and can take action to identify other sources of compensation, such as property, stock accounts, or other assets, when taking legal action to recoup your damages.
Quick Answer
Can I recover more compensation if multiple coverage sources are available after an uninsured motorist accident?
Potentially yes. Identifying all available sources can maximize your recovery. Colorado provides key additional tools:
Past results do not guarantee a similar outcome. Every case is different.
Get a Free Case Review — (720) 807-3985
If you have been severely injured in a car accident involving an uninsured or underinsured driver, you may wonder what your options are for covering medical bills and other associated costs. Here are some steps you can take in this situation:
We have the knowledge and resources to take on insurance companies and recover the full compensation you deserve -- including Colorado's bad faith protections when insurers act unreasonably.
Our founding attorneys used to defend insurance companies. Now, they use that inside knowledge to fight for injured people like you.
We have recovered over $1 Billion in settlements and verdicts for our clients. Our attorneys are recognized by Best Lawyers in America -- a national peer-reviewed honor.
Settlement - Catastrophic Injury Case
Verdict - Commercial Vehicle Collision
Settlement - Trucking Accident Case
Settlement - Serious Motor Vehicle Wreck
Hit-and-Run Accidents
The at-fault driver flees the scene before you can get their information. Hit-and-run accidents are treated as uninsured motorist claims under Colorado law. Even if the driver is never identified, your uninsured motorist coverage may still apply. Police reports and witness statements become critical evidence.
No Insurance Coverage
Some drivers simply do not carry any insurance, despite Colorado legal requirements. When they cause an accident, they have no coverage to pay for your damages. Your uninsured motorist policy steps in to cover your medical bills, lost wages, and other losses when the at-fault driver has zero coverage.
Fake or Expired Insurance Cards
Some drivers show fake insurance cards at the scene or provide information for policies that have lapsed or been canceled. You may not discover the truth until you try to file a claim. When this happens, the driver is legally uninsured, and your uninsured motorist coverage applies.
Unlicensed or Suspended Drivers
Drivers with suspended or revoked licenses often cannot obtain insurance. When these drivers cause accidents, they typically have no coverage to pay for the harm they cause. Unlicensed drivers are among the most dangerous on Denver roads and often trigger uninsured motorist claims.
Stolen Vehicle Accidents
When a stolen vehicle causes your accident, the thief has no insurance and the owner’s policy may not cover crashes caused by unauthorized drivers. These situations almost always require filing an uninsured motorist claim with your own insurance company to recover compensation.
Underinsured Out-of-State Drivers
Some drivers from other states carry only minimal liability coverage that does not meet Colorado standards. When their insurance is insufficient to cover your damages, your underinsured motorist coverage can make up the difference. These cases often involve coordination between multiple insurance policies.
Head-on crashes, T-bone accidents, and sideswipe collisions caused by uninsured drivers leave victims with serious injuries and no one to pay. When the at-fault driver has no insurance, your uninsured motorist coverage becomes your primary source of compensation.
Drivers who run red lights, fail to yield, or turn without looking often lack insurance. Intersection crashes can cause catastrophic injuries. If the driver who hit you has no coverage, we help you file an uninsured motorist claim to recover damages.
Tailgating, distracted driving, and sudden stops lead to rear-end crashes. When the driver who rear-ended you is uninsured, you still have options. Your uninsured motorist policy covers medical bills, vehicle damage, and lost wages.
Drivers who flee the scene are often uninsured, which is why they run. Even if police never identify the driver, your uninsured motorist coverage applies. Dashcam footage, witness statements, and police reports help prove your claim.
Backing accidents, door dings that escalate, and low-speed collisions in parking lots frequently involve uninsured drivers. These accidents may seem minor but can cause whiplash, soft tissue injuries, and vehicle damage that your uninsured motorist policy should cover.
Chain-reaction crashes involving multiple vehicles often include at least one uninsured driver. Determining fault can be complex, and you may need to file both liability claims against insured drivers and an uninsured motorist claim with your own insurance for maximum recovery.
You can file a claim under your own uninsured motorist (UM) coverage, identify other assets belonging to the at-fault driver, and explore every available avenue. Colorado also allows you to stack UM/UIM coverage from multiple vehicles and prohibits your insurer from offsetting what they owe.
An estimated 19.7% of Colorado drivers were uninsured in 2023 -- nearly 1 in 5, ranking Colorado among the 10 worst states in the country (Insurance Research Council).
It is coverage that pays when the at-fault driver has no insurance. In Colorado, insurers are required to offer UM/UIM coverage equal to your liability limits, and it is included automatically unless you reject it in writing.
Colorado requires $25,000 per person / $50,000 per accident bodily injury liability and $15,000 property damage (25/50/15). These minimums are lower than Colorado, meaning serious injuries frequently exceed available coverage -- making UM/UIM protection especially important.
Yes, but collecting from a driver with no insurance can be challenging. We investigate all potential sources, including the at-fault driver's personal assets.
In an uninsured motorist accident case in Denver, you may be entitled to recover compensation for medical bills, hospital expenses, lost wages, future lost earning capacity, vehicle repair or replacement, pain and suffering, emotional distress, and reduced quality of life. Frenkel & Frenkel fights to ensure that the full scope of your losses is accounted for and pursued through every available legal channel.
After being hit by an uninsured driver in Denver, you should seek medical attention immediately and follow all treatment recommendations from your healthcare providers. You should document everything, including photographs of the scene, medical records, and records of all expenses related to your injury. Consulting with an experienced uninsured motorist attorney at Frenkel & Frenkel promptly is essential to protecting your rights and identifying all available sources of compensation.
Unfortunately, yes. However, Colorado law provides strong protections. Under C.R.S. secs. 10-3-1115 and 10-3-1116, if your insurer unreasonably delays or denies your claim, you may be entitled to twice the denied benefit plus reasonable attorney fees.
Colorado generally allows 3 years to file a UM/UIM claim under C.R.S. sec. 13-80-107.5. However, your individual insurance policy may impose shorter notice or proof-of-loss deadlines. Contact a Denver attorney immediately after any accident.
Frenkel & Frenkel brings decades of experience handling complex uninsured and underinsured motorist cases in Denver. The firm’s attorneys have firsthand knowledge of insurance industry language and tactics, having previously worked on the defense side, and they use that insight to advocate powerfully for injured clients. With a track record of multi-million dollar settlements and jury awards, Frenkel & Frenkel is the firm you want fighting for your recovery.
Yes, Frenkel & Frenkel can help you pursue compensation even in hit-and-run accidents where the at-fault driver fled the scene. In these situations, your own uninsured motorist coverage may apply, and the firm’s attorneys can guide you through the process of filing a claim and building the strongest possible case with the available evidence.
No, Frenkel & Frenkel handles uninsured motorist cases on a contingency fee basis, meaning you pay no attorney fees unless the firm recovers compensation for you. This allows injured Denver residents to access top-tier legal representation without any financial risk or upfront cost.
