Uninsured/Underinsured Motorist Claims

Although most people don’t know it, their insurance policy provides them with benefits if they are injured by an uninsured (UM) or underinsured (UIM) motorist. 

Uninsured motorist coverage allows you to make a claim against your own company for the injuries and damages, such as medical bills, wage loss, and pain and suffering, caused by a driver who did not have insurance.  In other words your insurance company steps into the shoes of the uninsured driver and is liable to you just as the uninsured motorist would be.  The only difference is that your own insurance company has the money to pay you for your injuries and damages, whereas the uninsured driver likely does not.  The personal injury lawyers at Kidneigh & Kaufman have experience in handling uninsured and underinsured motorist claims.  Call us today for a free consultation.

In cases where an insured driver causes the accident, underinsured motorist coverage compensates you when your damages exceed the insured driver’s liability limits.        

The good news is that everyone has UM/UIM coverage unless they sign a form specifically rejecting it in writing, which no one should ever do.  This is because the premiums for UM/UIM coverage are cheap and it is very important coverage to have because it protects you and your family from irresponsible drivers who have no insurance and other drivers who do not have enough insurance to cover your damages.

Another important thing to know is that making a underinsured or uninsured motorist claim for benefits will not cause your premiums to go up. 

This is because premiums generally only go up when you are in an accident that is your fault, you get a ticket, or as part of a general rate increase.  They do not go up because you make a claim.  Another interesting fact about UM/UIM coverage is that you do not have to be in your own insured car to be covered.  This is because UM/UIM coverage insures you, not your vehicle.  As a result, if you are injured by an uninsured or underinsured motorist, you are covered regardless of whether you are in your own car, another person’s car, on a motorcycle, a bicycle, and even if you were a pedestrian when the accident happened.

If you’ve been hurt by an uninsured or underinsured motorist, please feel free to call the Denver personal injury lawyers at Kidneigh & Kaufman today.  This is true even if you’ve signed a uninsured or underinsured motorist rejection, because you might not have been properly advised and thus the rejection might be invalid.  Not only will your initial consultation with us be free, but we handle uninsured and underinsured motorist cases on a contingent fee or percentage basis.  We are looking forward to meeting you and helping you with your uninsured or underinsured motorist claim.

Call our Denver Uninsured Motorist Attorneys Today! (303) 393-6666

 

Testimonials

“I had an excellent experience at Kidneigh and Kaufman. I was in an auto accident and had severe injuries. Kidneigh and Kaufman helped me get the medical treatment I needed, as well as a wonderful settlement with the insurance company. Everyone at Kidneigh and Kaufman was very caring and understanding of my situation, and especially supportive when my husband passed away during the case. Attorney Charlie Crichton was particularly wonderful and I would give him and the Kidneigh and Kaufman firm 5+ stars.”

Grace Collier - Former Client

“After I was injured in a serious auto accident, I was in a lot of pain and didn’t know what to do. Having been involved in her own accident several years earlier and hired Kidneigh & Kaufman to help her, my girlfriend told me I needed to speak with attorney Jennifer Crichton. I’m so glad I did. I had a great experience with Kidneigh & Kaufman and Jenny was there by my side all the way. Kidneigh & Kaufman is definitely a 5 star law firm. I certainly got my money’s worth by going to Kidneigh & Kaufman.”

Joel Fisher - Former Client

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The Baby That Needed Help

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The K&K Difference

  • Over 30 Years in Business

    For over 30 years, Kidneigh & Kaufman has been dedicated to helping personal injury victims, which means we have a proven track record of success.

  • We Only Represent Personal Injury Victims

    Kidneigh & Kaufman only represents injured victims, never insurance companies or corporations. For over 30 years, we have been wholly devoted to helping individuals.

  • Trial Experience

    In 1982, Steve Kaufman had the honor of trying the first Toxic Shock Syndrome case to go to trial in the country against Procter & Gamble and its Rely tampon, obtaining a verdict in favor of a teenage girl who had almost died. Since then, Kidneigh & Kaufman has taken on corporations and insurance companies in courtrooms throughout Colorado as well as the Colorado Court of Appeals, the Colorado Supreme Court, and the 10th Circuit Court of Appeals. All told, the attorneys at Kidneigh & Kaufman have tried nearly 100 cases to verdict.

  • We Only Get Paid if You Get Paid

    Kidneigh & Kaufman handles all cases on a contingency fee basis, which means we only get paid if you get paid. We will never ask you for a retainer and you never have to worry about us sending you a bill for our time. You can rest assured knowing that we will do everything to obtain fair compensation since we only get paid when you do.

  • Committed to Our Clients

    Kidneigh & Kaufman is totally devoted to its client. We get back to all clients within 24 hours and our attorneys can even be available by cell phone on nights and weekends when necessary. If you ever want to know what's going on with your case, feel free to just give us a call, send us an email, or text us. We are always available for our clients.

  • We Handle It All

    Kidneigh & Kaufman handles all aspects of your personal injury claim. If you are in a car accident, we can help you with your property damage and medical payments coverage at no additional charge to you. Not only we will negotiate a settlement, but we will also help you with your medical bills and health insurance as part of our representation of you.

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Firm Overview

What to Expect for Your Case

You Are Involved in an Accident

You are stopped at a red light, waiting for the light to change and you get rear-ended.

You are walking toward the deli counter at the grocery store, and you slip and fall in the beverage aisle.

Your insurance company denies your claim for the hail damage from the storm in your neighborhood.

What do you do when an accident happens? First, check to see if you are injured. If you are injured, be sure to seek immediate medical attention. You also want to be sure to document everything. If you are involved in a motor vehicle accident, then be sure to take photos, obtain the other driver’s insurance information, and contact the police. If you slip and fall at a grocery store, make sure you complete an incident report, obtain witness information, and take photos. If you have a dispute with your insurance company, make sure you document all of your correspondence and communication.

Contact An Attorney

Be sure to contact an attorney about your accident as soon as possible following your accident.

An attorney can help guide you through the process of making a claim with an insurance company, which is an unfamiliar process for most people. An attorney can makes sure that the correct parties and entities are notified and that your accident and injuries are well documented. Not only can an attorney help you with this process, but hiring an attorney gives you the peace of mind knowing that things are being done the right way.

Accept a Settlement or Proceed to Litigation

Does it make sense to accept a settlement or file a lawsuit?

You have completed your medical treatment and your attorney has submitted a demand to the insurance company. At this time, the insurance company may be willing to make a settlement offer to resolve the case. Your attorney will help you decide whether to accept a settlement or proceed with a lawsuit against the opposing party.

Litigation

You filed a lawsuit against the opposing party so what happens now?

When you file a lawsuit against another party, then the litigation process begins. The insurance company will likely hire a well-qualified attorney to represent its Defendant and the case will be assigned to a judge and courtroom. Attorneys will send written discovery, obtain documents, and take depositions. The attorneys are doing everything they can to prepare the case for trial and to find out more about the other side’s case. The parties may still try to resolve the case either informally or with a mediator.

Trial

What happens in a trial?

The parties are unable to resolve the case so they go to trial. The attorneys and the judge pick a jury to decide the case. Then each attorney makes an opening statement. Next, the injured party’s attorney presents his case, which usually includes testimony from the injured party, any witnesses, medical providers, and hired experts. Then the Defendant’s attorney has the opportunity to present his case and call his own witnesses and present his own evidence. After jury instructions, each side makes a closing argument, trying to convince the jury to find for their side. Finally, the jury must agree on a verdict.

  • 1You Are Involved in an Accident

    You Are Involved in an Accident

    You are stopped at a red light, waiting for the light to change and you get rear-ended.

    You are walking toward the deli counter at the grocery store, and you slip and fall in the beverage aisle.

    Your insurance company denies your claim for the hail damage from the storm in your neighborhood.

    What do you do when an accident happens? First, check to see if you are injured. If you are injured, be sure to seek immediate medical attention. You also want to be sure to document everything. If you are involved in a motor vehicle accident, then be sure to take photos, obtain the other driver’s insurance information, and contact the police. If you slip and fall at a grocery store, make sure you complete an incident report, obtain witness information, and take photos. If you have a dispute with your insurance company, make sure you document all of your correspondence and communication.

  • 2Contact An Attorney

    Contact An Attorney

    Be sure to contact an attorney about your accident as soon as possible following your accident.

    An attorney can help guide you through the process of making a claim with an insurance company, which is an unfamiliar process for most people. An attorney can makes sure that the correct parties and entities are notified and that your accident and injuries are well documented. Not only can an attorney help you with this process, but hiring an attorney gives you the peace of mind knowing that things are being done the right way.

  • 3Accept a Settlement or Proceed to Litigation

    Accept a Settlement or Proceed to Litigation

    Does it make sense to accept a settlement or file a lawsuit?

    You have completed your medical treatment and your attorney has submitted a demand to the insurance company. At this time, the insurance company may be willing to make a settlement offer to resolve the case. Your attorney will help you decide whether to accept a settlement or proceed with a lawsuit against the opposing party.

  • 4Litigation

    Litigation

    You filed a lawsuit against the opposing party so what happens now?

    When you file a lawsuit against another party, then the litigation process begins. The insurance company will likely hire a well-qualified attorney to represent its Defendant and the case will be assigned to a judge and courtroom. Attorneys will send written discovery, obtain documents, and take depositions. The attorneys are doing everything they can to prepare the case for trial and to find out more about the other side’s case. The parties may still try to resolve the case either informally or with a mediator.

  • 5Trial

    Trial

    What happens in a trial?

    The parties are unable to resolve the case so they go to trial. The attorneys and the judge pick a jury to decide the case. Then each attorney makes an opening statement. Next, the injured party’s attorney presents his case, which usually includes testimony from the injured party, any witnesses, medical providers, and hired experts. Then the Defendant’s attorney has the opportunity to present his case and call his own witnesses and present his own evidence. After jury instructions, each side makes a closing argument, trying to convince the jury to find for their side. Finally, the jury must agree on a verdict.