Driving is a basic function for most people in 2019 and has been for decades; get up, get ready, have breakfast, hop in your car, and drive to work. Once you’ve finished the workday, pack up your things, jump in your car, drive home, and maybe even pick up some dinner on the way. Need to go visit friends on the other side of town? Drive on over. Want to go on a date? You’ll more than likely pick them up in your car and drive where you want to spend the day and/or evening. With so many people on the road, accidents are bound to happen.

There’s no shortage of distracted drivers, but sometimes unforeseen circumstances arise and you might wind up in a fender bender. Car repairs can get expensive quickly and if any injury occurs, medical bills can drain a bank account. For these reasons and more, we have auto insurance. In fact, the state of Colorado requires all drivers to have insurance, but that just isn’t always the case, no matter what the law says. If you get into an accident with an underinsured or non-insured driver, you’re going to need a Denver car accident attorney to help you.

One of the best things you can do to protect yourself, your physical health, and your car is enrolling in uninsured driver coverage. Essentially, this is an additional policy like your liability coverage that allows you to make a claim against your own insurance company to cover any costs, such as repair or medical bills. If anything should ever go awry, it is better to guarantee that you are covered in the event that the other driver, especially if they are at-fault in the accident, is not covered or underinsured.

In Colorado, while you are required to have auto insurance if you own and operate a vehicle, you do not need to have uninsured/underinsured motorist coverage; however, insurance companies are required by law to offer it to you when you sign up for a policy. In order to waive the coverage, you must agree that you will not receive it and state so in written form. So what happens if you find yourself in an accident with an uninsured or underinsured motorist and you do not have coverage for such an event?

Your first step, after ensuring all parties health who were involved, is to contact a Denver car accident attorney because one of your last options available is to file a lawsuit. Car accidents can be tricky to deal with when both parties are insured, but navigating the financial recoupment battlefield without an expert on your side is ill-advised. Not to mention, motorists who drive without insurance often do so because they cannot make the payments and therefore may not have the savings to pay out for damages. In this instance, a Denver car accident attorney will help you decide if it is worth it to pursue damages.

If you or a loved one has been involved in an accident where one party did not have insurance, it is imperative to speak to a Denver car accident attorney immediately to determine your next steps. You have rights, regardless of which side of the accident you were on, or who was at fault. You need an expert Denver car accident attorney to drive your case home; contact the Law Office of Jarrett Benson now to learn more and to plan the road map of your defense.