Uninsured Driver Hit You in Aurora? Here’s How UM/UIM Works
If the other driver has no insurance or too little, your UM/UIM coverage can apply. File a police report, notify your insurer, and track all medical costs. Don’t accept quick offers that exclude future care.
What to do next
If the other driver has no insurance or too little, your UM/UIM coverage can apply. File a police report, notify your insurer, and track all medical costs. Don’t accept quick offers that exclude future care.
- Get medical care (UCHealth ER – Anschutz, The Medical Center of Aurora).
- File an Aurora Police report; keep your case number.
- Document photos, symptoms, receipts, and any witness details.
- Pause recorded statements until legal advice.
FAQs
Who’s at fault in this situation?
Colorado uses modified comparative negligence. Fault can be shared; evidence matters.
Do I need a lawyer?
Not required, but early guidance helps protect claim value and reduce mistakes.
How long do I have to file?
Generally 3 years for car accidents in Colorado; sooner preserves evidence.