man filing for an auto insurance policy beside his keys | Uninsured Motorists on the Rise in ColoradoAccording to the Rocky Mountain Insurance Information Association, an estimated 16% of drivers in the state of Colorado are uninsured. This makes it the worst state in the nation for uninsured drivers. One of the reasons that Colorado drivers are uninsured is attributed to the high cost of auto insurance in the state. Currently, Colorado ranks highest in the nation for rising auto insurance rates, and this skyrocketing insurance forces many families into cutting corners and driving uninsured. When they do, they put themselves and other drivers at risk. Read more about our Uninsured Motorists on the Rise in Colorado story below. 

If you’re involved in an accident with an uninsured driver, you won’t be able to collect compensation from their insurance company if you’re injured. As such, where will you turn for help? 

Some Colorado drivers who purchased additional UM/UIM insurance policies are able to collect compensation from their own insurance companies. In Colorado, UM/UIM insurance policies work by filling in the gap between the other party’s insurance and your own losses. If the other driver is uninsured, then you should be able to turn to your own policy to pay all of your medical expenses and damages – up to your policy limits. 

Sometimes the “at fault” driver has insurance, but they don’t have enough. If the at-fault driver has an insurance policy with a $50,000 limit and you have $75,000 in damages, you would only be able to collect $50,000 from the “at fault” driver. Where will the additional $25,000 come from? If you have an UM/UIM policy, then your policy would help pay the difference. 

Is UM/UIM Insurance Mandatory in Colorado?

Unfortunately, carrying UM/UIM insurance is not mandatory in the state of Colorado. An insurer must offer this coverage to their clients, but drivers are allowed to decline this coverage if they wish. Without it, however, they won’t have coverage after an accident with an uninsured motorist. 

If you did purchase UM/UIM insurance, you can rest a little easier. Colorado Revised Statute 10-4-609 ensures that consumers receive the full benefits of the policies they purchased in the state. 

Contact Our Denver Uninsured Motorist Accident Attorneys

If you or someone you love has been injured in an accident with an uninsured or underinsured driver in the state of Colorado, you need an experienced and skilled attorney on your side from the start. You may be able to collect compensation from your own UM/UIM plan in many situations. Call the Denver car accident attorneys at Paysinger Law, P.C. today. Our law firm offers FREE case consultations and can be reached at 303.279.0221. We can help you obtain the money you need to put your life together again after a serious accident. Call today. 

What Our Clients Say About us

See the difference family makes at Paysinger Law.

Thank you so much for all of your hard work. I think you did a great job! I will definitely pass your name along to anyone I know who’s hurt for the free consultation.

Roy Miller

I don’t know where I would be without the Law Offices of Robert Paysinger. It was a very emotional experience, and I feel as if I owe Mr. Paysinger my life! The other lawyers would promise everything, but it was only here that I felt his integrity and willingness to live up to his word. He and the paralegals were so incredibly helpful throughout the strenuous process of my case. Going through a lawsuit is an emotional roller coaster, but whenever I was confused they would sit and explain everything in terms that I could understand. They provided an emotional support and treated me like family. It’s never about the money there, but about you, if you are upset they will do everything to help you, and work extremely hard for you. They are extremely honest and straight forward. I would recommend Mr. Paysinger to everyone, because they truly and genuinely care about you.

Tammy Wonder

At the Law Offices of Robert Paysinger, I was very pleased with the professionalism and courteousness of everyone who worked on my case. I had a horrible experience with my boss and dealing with my company regarding my workman’s comp. I came to the Paysinger Law Offices and received a settlement for what was needed to further my medical care so that I can heal and get back to work. He defended my rights when they were violated and I am very happy with the results! Thank you!

Michelle Bishop

I, James Pacho, appreciate everything that the Law Offices of Robert Paysinger, PC. For the help of making me get the amount of money I received including reducing my hospital bills, helping to get me a home.

James E. Pacho

Thanks to Robert Paysinger and Thomas Quinn for the hard work with my case. You guys are excellent and I will recommend you to everybody else. Keep doing an excellent job.

Ago Muric

Thank you so much for all the hard work to Robert and his staff. I was very happy with all their services.

Shannon Norgren

Thanks, Robert, for all the help with my accidents (both of them). You always promptly returned my calls and were extremely helpful whenever I had questions. After my motorcycle accident, you helped me understand how to better protect myself in the future, and because of that when I got in my car accident a year later, you were the only person I considered calling.

James Howington


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