Boulder Underinsured Driver Accident Attorney

Underinsured Driver Accidents in Colorado

Colorado drivers are required by law to carry minimum liability insurance, but many drivers on the road have policies that are insufficient to cover the full extent of damages in an accident. If you’re involved in a collision with an underinsured driver, you may face significant out-of-pocket costs. At Ronquillo Law Firm, our Boulder-based attorneys specialize in underinsured driver cases, helping victims secure compensation from other available sources, such as their own insurance policies or pursuing the liable driver directly.

Common Causes of Underinsured Driver Accidents:

• Distracted driving
• Speeding
• Reckless or aggressive driving
• Driving under the influence (DUI)
• Running stop signs or red lights
• Failure to yield
• Inexperience or lack of driving skills

Underinsured driver accidents can be particularly stressful because you may not receive enough compensation from the other driver’s insurance to cover all your medical bills and damages.

Common Injuries in Underinsured Driver Accidents

Accidents involving underinsured drivers can lead to serious injuries, often requiring expensive medical treatment and rehabilitation. If you’ve suffered any of the following injuries, contact a Boulder underinsured driver attorney immediately to explore your legal options:

• Whiplash and neck injuries
• Head or traumatic brain injuries (TBI)
• Spinal cord or back injuries
• Broken bones or fractures
• Internal organ damage
• Lacerations and soft tissue injuries

How Underinsured Motorist Coverage Works in Colorado

In Colorado, if the at-fault driver’s insurance coverage is insufficient, you can rely on your Underinsured Motorist (UIM) coverage to help make up the difference. UIM coverage helps bridge the gap when the other driver’s policy does not fully cover your damages. However, insurance companies may try to minimize payouts, making it essential to have a skilled attorney to ensure you receive the maximum compensation possible.

Potential Sources of Compensation in Underinsured Driver Accidents

When you’re involved in an accident with an underinsured driver, multiple parties may be responsible for compensating your losses. Possible sources of compensation include:

• The at-fault driver: You may be able to pursue personal assets if the insurance policy does not cover all damages.
• Your own insurance policy: If you carry underinsured motorist (UIM) coverage, your insurance can cover the gap between the other driver’s policy limits and your damages.
• Other liable parties: In some cases, other parties may share fault in the accident, such as vehicle manufacturers or other drivers involved.

Recovering Damages in Underinsured Driver Accidents

Accidents involving underinsured drivers often lead to significant medical expenses, vehicle damage, and even lost income. Colorado law allows victims to seek compensation for both economic and non-economic damages, such as:

• Economic Damages: Medical bills, lost wages, rehabilitation costs, and property damage
• Non-Economic Damages: Pain and suffering, emotional distress, loss of enjoyment of life
• Punitive Damages: In cases where the at-fault driver acted with gross negligence, such as driving while intoxicated or recklessly

Let Our Boulder Underinsured Driver Accident Attorneys Help

If you or a loved one has been injured in an accident with an underinsured driver in Boulder, Colorado, reach out to the Ronquillo Law Firm right away. It’s important to act quickly to preserve evidence and ensure your claim is filed before the statute of limitations runs out.

Our attorneys have extensive experience handling underinsured driver accident claims and will prioritize your case to ensure you receive the compensation you deserve. While you focus on recovering from your injuries, we’ll handle the legal aspects, fighting for your right to damages.