Gary Bell Jr. & Bradley Pollock
Injury Attorneys

A Denver car accident attorney explains the benefits of UM/UIM coverage.

A Denver car accident attorney explains the benefits of UM/UIM coverage.

An insurance company typically will offer countless types of coverages.  The various types of coverages are esoteric, ambiguous and often unintelligible.   However, it is undeniably worth your time and energy to become familiar with uninsured/underinsured motorist coverage as it is an essential component of a policy of insurance.  Those who reject UM/UIM coverage or refuse to become familiar with it do so at their own peril.

UM/UIM coverage is invoked when an individual is injured by a negligent motorist who has no liability coverage or inadequate liability insurance.  UM/UIM coverage is also applicable in a situation where an individual is injured due the negligence of another even if there is no physical contact between the vehicles (often referred to as phantom vehicles).  For example, in the event you are run off the road and the vehicle operated by the negligent party does not physically contact your vehicle you may be entitled to UM/UIM benefits.

The Colorado UM/UIM statute is found at CRS 10-4-609.  The purpose of UM/UIM coverage is to enable an insured to receive indemnification to the extent necessary to be fully compensated for a loss caused by the conduct of a negligent, financially irresponsible driver.  Freeman v. State Farm, 946 P.2d 584 (Colo. App. 1997).  An appalling number of Colorado residents operate vehicles without liability coverage or inadequate coverage.  In the event you sustain injuries in an automobile collision and the negligent person does not have liability coverage or has inadequate coverage full compensation for your injuries and damages is extremely unlikely absent UM/UIM coverage.

It is the legal obligation of an insurance company and/or insurance agent to inform and notify a person purchasing automobile liability coverage of the nature and purpose of UM/UIM coverage.  In order for a rejection of UM/UIM protection to be valid it must be in writing and maintained by the insurance carrier.  The failure of an insurance carrier to produce the written rejection documentation automatically entitles the insured to UM/UIM benefits.

Another unique characteristic of UM/UIM coverage is that in most circumstances it provides coverage for a policy’s named insured(s); resident relatives; passengers; permissive users; and pedestrians.

During Bell & Pollock’s radio shows callers often ask, “How much UM/UIM coverage is sufficient? $50,000? $100,000? $250,000?” and our invariable response is, “As much as possible!”

Need Help Pursuing a UM/UIM Claim? Contact a Denver Car Accident Attorney at Bell & Pollock, P.C.

For experienced help financially recovering after an auto collision, contact an auto wreck attorney from Denver by calling Bell & Pollock at (303) 795-5900 or emailing our firm via the contact form on this page.

Contact Us

Call a trusted attorney at Bell & Pollock, P.C. at (303) 795-5900 to get on the road to recovery now. You can also email our firm via the contact firm on this page.

As proud champions of the people, our lawyers are ready to answer your questions, explain the law and your rights, and help you take whatever steps necessary to recover the compensation you’re entitled to. With us in your corner, you can be confident that you have the legal support and representation necessary to successfully resolve your claim.

Don’t delay your recovery for a second longer – and don’t be misguided into thinking that you have to go through the process alone. Our attorneys are here, ready to help – and you won’t have to pay us anything until (or unless) there is a recovery in your case.

You may confidentially submit your question and it will be answered by Bell & Pollock, P.C. The only little catch is that he does this as a public service and he's going to give you some general advice only. This does not make you a client of Bell & Pollock, P.C. There is no charge for this service.

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Case Results


CASE: Client was injured by a drunk driver. As a result of the motor vehicle accident, client was rendered a quadriplegic and needed a life care plan.
Outcome: $9,600,000

CASE: Against Insurance company for failure to pay for property damage after a gas and fire explosion.
Outcome: $1,600,000

CASE: Medical malpractice for failure to diagnose a descending aorta aneurism, resulting in death.
Outcome: $1,300,000

CASE: Neck and back injuries from car accident. Client had ongoing symptoms and needed injections for attempted remediation of pain.
Settled for $485,000

CASE: Client was injured in a 2 vehicle collision. She suffered a traumatic brain injury, concussion and multiple injuries to the neck.
Outcome: $6,000,000

CASE: Client was in her car and was T-Boned by a commercial vehicle. Her cerebral spinal fluid leaked and she suffered a concussion and traumatic brain injury with neck and lumbar (low back) injuries. Her neck injury caused radiating pain, numbness and tingling in her arms.
Outcome: $3,400,000

CASE: Client was driving on a rural road when another car crossed the center line and caused a head-on collision in the snow and ice. Client did physical work for a living. Both knees were injured, along with a neck injury.
Outcome: $2,300,000

CASE: Client was driving on South Parker road when another vehicle rapidly changed lanes and rear-ended the client. That vehicle was cited for careless driving. The collision caused a concussion with traumatic brain Injury. Client missed time from work and had a positive correlation between brain scan and neuropsychological test results.
Outcome: $950,000

CASE: Client was rear ended by a dump truck, was then knocked forward and hit another vehicle. Client had a concussion with traumatic brain injury. Client underwent a brain scan which showed hypoperfusion, correlated with her concussion symptoms. Client suffered neck injuries and injuries to her low back.
Outcome: $650,000

CASE: Client was rear-ended. The mechanism of injury from the forces in the collision caused her neck injury and at the same time, damaged her organs inside her throat. Client had swallowing and choking issues.