Car Accidents Involving Uninsured or Underinsured Drivers: Legal Options for Victim

Car accidents can have devastating consequences, both physically and financially. Unfortunately, some accidents involve drivers who either have no insurance or insufficient insurance coverage to compensate the victims adequately. If you find yourself in such a situation, it is crucial to understand your legal options for seeking compensation. In this blog post, we will explore the legal remedies available to victims of car accidents involving uninsured or underinsured drivers.

Understanding Uninsured and Underinsured Drivers

Uninsured drivers do not carry any insurance coverage for their vehicles. On the other hand, underinsured drivers have insurance, but their coverage limits are insufficient to compensate the victims for their losses fully.

Seek Legal Counsel from a Car Accidents Attorney

When dealing with car accidents involving uninsured or underinsured drivers, it is advisable to consult with an experienced personal injury attorney. They can guide you through the legal process, protect your rights, and help you pursue the compensation you deserve.

Uninsured Motorist Coverage

If you have uninsured motorist coverage as part of your own auto insurance policy, it can provide protection in such situations. This coverage is designed to protect you from uninsured drivers and compensate you for your bodily injury damages. In some cases this type of insurance can also cover property damage caused by an uninsured driver.

Underinsured Motorist Coverage

Like uninsured motorist coverage, underinsured motorist coverage can come to your aid if the at-fault driver’s insurance coverage is insufficient. It bridges the gap between the at-fault driver’s coverage limits and the damages you have suffered.

Comparative Fault Considerations

In some cases, the issue of comparative fault may arise. Comparative fault means that the victim’s own negligence was a partial cause of the accident. In Colorado, your compensation will be reduced proportionately based on the degree of fault assigned to you. If your degree of fault is 50% or higher, Colorado laws do not allow you to recover anything from the other party.

Seeking Compensation for Bodily Injury and Property Damage

In a lawsuit for car accident compensation, you can seek damages for various losses, including medical expenses, lost wages, pain and suffering, and property damage repairs or replacement.

Settlement Negotiations

Insurance companies often prefer to settle claims rather than go to court. Your attorney can engage in settlement negotiations on your behalf to secure a fair and reasonable settlement that considers the full extent of your damages.


Car accidents involving uninsured or underinsured drivers can be particularly challenging for victims seeking compensation. However, with the assistance of a skilled personal injury attorney, you can explore legal options such as uninsured motorist coverage, underinsured motorist coverage, negligence claims, and settlement negotiations. By understanding your rights and pursuing the appropriate legal remedies, you can strive to recover the compensation you need to rebuild your life after a car accident.

For more information and legal assistance, contact Burr Law at Our experienced car accident attorneys can provide the guidance and support you need during this difficult time.

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