Imagine being injured in an accident and the at-fault driver has fled the scene. The at-fault driver doesn’t come back, the police can’t find them and you need medical care and treatment for your injuries. What do you do next? What are your options?
It is better to be prepared ahead of time in order to give yourself the most legal options in a hit and run accident. Purchasing the right kind of coverage for your automobile insurance policy is crucial.
Contacting a Denver personal injury lawyer for free legal advice with regard to what coverage you should always carry under your automobile insurance policy is a smart way to prepare and protect yourself. A Denver auto accident lawyer may advise you to always purchase Uninsured Motorist (“UM”) coverage as it will protect you in case there is a hit and run incident. The coverage will allow you to make a claim under your own insurance policy for your injuries in many different situations including a hit and run accident, a lapsed insurance policy on an at-fault driver or a stolen vehicle resulting in a denied bodily injury claim against an at-fault driver.
Carrying UM coverage is not required by Colorado law Colorado. It is a good idea to purchase UM coverage and have an amount which is higher than Colorado’s minimum bodily injury requirement ($25,000.00/$50,000.00). In short – you want to make sure you are protected, and not just with the bare minimum as there are many irresponsible drivers and many catastrophic accidents on the road every single day.
Making a UM claim under your own insurance policy as the injured party should not affect your premiums as you are the one that pays for this coverage under your policy. Protecting yourself ahead of time with appropriate insurance coverage allows you to have the most options in case you are injured in an unfortunate incident. If you would like further information regarding UM coverage or claims, please contact a Denver personal injury lawyer.
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