If your damages are worth more than the at-fault driver’s policy limit, that policy caps what their insurer will pay, no matter how strong your case is. That’s exactly what underinsured motorist (UIM) coverage on your own policy is built for, it can make up the difference once the at-fault driver’s limits run out.
Why this catches people off guard
A driver with only the state minimum liability coverage can cause catastrophic damage, and their insurer will only pay up to that minimum no matter how serious your injuries are. Checking your own UIM coverage before you need it, or immediately after a serious crash, matters more than most people realize.
What to do next
If this is where you are right now, call Mile High Legal at (720) 853-5779 for a free consultation. We handle Colorado car accident and injury claims on contingency, meaning you pay nothing upfront and nothing at all unless we recover money for you.
