Video:
What to do if you've been in an accident.
Video:
When the other insurance company calls.
If I have health insurance do I need Underinsured/Uninsured Motorist Coverage with my car insurance?
Yes. Even if you have excellent health insurance coverage I believe that it is important to have as much Underinsured/Uninsured Motorist Coverage (UIM Coverage) as you can afford. This coverage protects you if the other driver didn’t have any insurance or not enough of it to pay for your injuries. Why is this coverage so important? Because a 1/3 of all Colorado drivers don’t have car insurance and most drivers in Colorado only have the State minimum liability coverage of $25,000.
For example, if you are like most people you probably have a health insurance plan with a high annual deductible and co-pays. If you get into a car accident with an uninsured driver your UIM coverage can cover your deductible, lost wages, unpaid medical bills, co-pays, pain and suffering and more. The same is true if the other driver only has the state minimum policy limits of $25,000.00 and your damages exceed that amount.
Unfortunately, all too often I meet with clients who were advised by their insurance agent that because they have health insurance they don’t need UIM coverage. Either insurance agents don’t understand what they are selling or they don’t sell it because they can’t make any money from it. Either way it is bad advice.
If you are the victim of an accident and have been injured, there is a chance you need an attorney. The reason that you may need an attorney is simple: we know what rights you have and how best to protect them. Insurance companies will often try to settle with accident victims before they have the chance to discover how badly they are injured. At The O’Sullivan Law Firm we will advise you as to the best course of action. Lawsuits involving automobile accidents generally must be brought within three years of the date of the accident. Variations to this time limit exist, including tight time restrictions relating to actions involving government vehicles. You should not wait to have your claim evaluated to determine if you have a valid claim.
Do I Need An Attorney?
What Paperwork Do I Need to Get?
The first thing that any injured person should get is a copy of the accident report issued by a law enforcement agency. This allows us to look at the nature of the accident and the people involved. Second, it is important to get any medical records that detail the nature of your injury. If you don't have either of these documents or don't know how to obtain them, don't worry; you can still call and schedule an appointment and we will get them for you.
Should I Talk To The Insurance Company?
Of course, you should speak with your insurance company to make them aware of the incident. But you should never talk to an insurance company (or give a statement to them) about settling your case until you have all the facts. Insurance companies spend thousands of dollars on attorneys to represent their interests. Shouldn't you have the same type of experienced attorney working for you? Contact us today, toll free at 1(866) 956-2905, and let us start working for you.
Because of our nationwide network of experienced attorneys, we are able to represent personal injury clients nationwide. Regardless of where you are located, we can help.
Call Scott if you need a Denver car accident attorney, Denver truck accident lawyer, DUI accident lawyer in Denver, Denver motorcycle accident lawyer, or even a bicycle accident lawyer in Denver. If you or a loved one have suffered a personal injury, or have a food poisoning or dangerous products case and need the services of a Colorado attorney, schedule a free consultation with an experienced injury attorney today.
Free Personal Injury Legal Consultation:
Your initial consultation with Scott is free so you have nothing to lose. Speak with a Denver injury attorney so that you may better understand your rights after an accident with injuries. Although we are located in Denver, Colorado, we represent personal injury clients across the country.
What You Can Expect From Our Denver Personal Injury Attorney:
When you visit The O’Sullivan Law Firm, you will personally meet with Scott O’Sullivan who can immediately begin the process of investigating your personal injury case. Scott can aggressively seek compensation for your past, present and future medical costs, lost wages, pain, suffering and more.
Contingent Fee Basis:
Mr. O’Sullivan handles personal injury cases on a contingency fee basis. This means that you pay no legal fees unless he is successful in getting compensation for you. When he wins, his fees are paid as an agreed-upon percentage of the award.
Because of our nationwide network of experienced attorneys, we are able to represent clients nationwide. Regardless of where you are located, we can help.
Serving clients across Colorado, including the cities of Denver, Denver County, Aurora, Boulder, Lakewood, Broomfield, Fort Collins, Brighton, Littleton, Longmont, Greeley, Loveland, Colorado Springs, Pueblo, Vail, Breckenridge, Silverthorne, Golden, Castle Rock, Larkspur, Monument, Grand Junction, Eagle County, Summit County and more.
