Motorcycle accidents in Colorado often leave injured riders facing not only serious injuries but also overwhelming medical bills and complicated insurance hurdles. Low policy limit motorcycle crashes in Colorado are more common than you think.
When these motorcycle accident injuries involve low policy limit insurance coverage from the at-fault driver, the road to financial recovery can be long and stressful.
Fortunately, understanding your options and working with an experienced legal team like Bourassa Law Group can make a meaningful difference in your case.
It also helps in case of a car accident, even if the party at fault doesn’t have car insurance, like in some personal injury cases.
The Real Impact of Motorcycle Accidents
Every motorcycle crash has the potential to cause severe injuries, especially since motorcycles lack the protective structure of larger motor vehicles.
Whether you suffer from broken bones, spinal injuries, or traumatic brain damage, the result is often the same: high medical costs, lost income, and a need for long-term care.
Motorcycle accident victims must often deal with insurance companies that prioritize profits over people.
If the driver’s insurance company only provides the minimum liability insurance required by Colorado law, that policy may not even cover your property damage, let alone your full medical expenses or lost wages.
Handling Serious Injuries and Medical Bills
After a motorcycle injury, your focus should be on healing, not on negotiating with an insurance provider. However, because the at-fault driver’s insurance coverage may fall short, you may find yourself facing significant out-of-pocket costs.
Health insurance may help, but it often won’t cover every aspect of care, such as specialized treatments or ongoing physical therapy.
Understanding all your options is key. That includes evaluating your own auto insurance policies and determining whether your coverage includes medical payments coverage (MedPay) or underinsured motorist insurance.
These can offer essential financial support in cases involving low policy limit motorcycle crashes in Colorado.
Know Your Insurance Coverage With Our Motorcycle Accident Lawyers
When you’re injured in a Colorado motorcycle accident, your path to financial compensation may depend on how well you understand auto insurance policies.
Many drivers carry only the minimum liability coverage, leaving you vulnerable if you don’t have additional protection through your own plan.
Medical Payments Coverage and Underinsured Motorist Insurance
Explore whether your policy includes:
a. Medical payments coverage (MedPay):
Helps with immediate medical care expenses,
b. Underinsured motorist coverage:
Handles situations where the at-fault party doesn’t have sufficient bodily injury coverage, and
c. Additional benefits
may protect your personal assets in a motorcycle injury claim.
While these policies can offer vital help, they aren’t always easy to use. Insurance companies may resist paying out the full amount or delay processing your claim.
That’s why consulting a Denver motorcycle accident attorney is crucial. An experienced personal injury attorney will ensure your rights are protected and help you recover compensation for your injuries.
File a Strong Motorcycle Accident Claim
To pursue the maximum compensation possible, you must file a thorough and timely motorcycle accident claim. This process includes gathering critical evidence, such as a police report, medical records, photos of the scene, and witness statements.
Proving Negligence and Protecting Your Rights
You must also clearly prove negligence by the other driver, especially if they were engaged in distracted driving or violated traffic laws.
Handling these legal requirements on your own can be daunting, but an experienced motorcycle accident attorney can streamline the process and fight for a fair settlement.
With the help of a law firm like Bourassa Law Group, you gain access to professionals who understand the nuances of Colorado law. From identifying the at-fault driver to holding the other driver’s insurance company accountable, your attorney becomes your strongest ally.
Comparative Negligence in Colorado
Under Colorado law, the comparative negligence rule allows you to recover damages even if you’re partially at fault, provided your share of fault is less than 50%. That means you can still receive fair compensation even if the accident happened due to mistakes made by both you and the negligent driver.
Impact on Compensation and Insurance Claims
If you are deemed to be 20% at fault, for example, your financial compensation will be reduced by that percentage. However, if you are found to be more than 50% responsible, you may not receive any damages.
In such situations, it is essential to have legal representation to dispute any unfair assessments made by insurance companies. Your Denver motorcycle accident attorney will gather evidence, cross-examine witnesses, and challenge any claims that unjustly increase your share of blame.
When to Consider a Personal Injury Lawsuit
If insurance limits don’t cover all your damages, you may need to file a personal injury lawsuit. This legal step allows you to go beyond what the other driver’s insurance company offers and seek compensation from the driver’s personal assets.
Pursuing Maximum Compensation
Whether you’ve suffered from lost earning capacity, long-term medical care, or significant emotional distress, a well-prepared lawsuit can lead to real results.
Having skilled motorcycle accident lawyers on your side ensures that your settlement demands are taken seriously by all parties involved.
Lawsuits can also uncover additional sources of liability, such as a third party who contributed to the accident. This could include motor vehicle manufacturers, road maintenance contractors, or even other motor vehicle drivers.
If you’re interested in learning about the average motorcycle accident settlement in Nevada, we can also guide you. Our professionals have years of experience dealing with such incidents.
Working with Bourassa Law Group
At Bourassa Law Group, we understand the unique challenges faced by injury victims after a motorcycle crash.
Our team of dedicated personal injury attorneys has a strong track record of helping injured motorcyclists and injured riders recover compensation for their pain, losses, and ongoing medical expenses.
Comprehensive Legal Support
From the moment you contact our office for a free consultation, we begin building your motorcycle accident case. We handle everything from communicating with the insurance provider to filing court documents, so you can focus on your recovery.
Whether your case involves underinsured motorist coverage, disputes with your own insurance company, or low policy limits from the at-fault party, we are prepared to guide you.
Our team ensures that every aspect of your claim aligns with Colorado law and stands up to scrutiny from insurance companies and opposing legal teams.
Act Now to Protect Your Future
If you’ve been involved in a Colorado motorcycle accident, now is the time to act. Don’t let a low policy limit keep you from receiving the financial support you need. Call Bourassa Law Group today and schedule your free consultation. We can also guide you about the 10 elements that count in a motorcycle accident lawsuit.
We’ll help you understand your insurance policy, navigate legal aspects, and recover damages that cover your full range of losses.
With the right legal guidance, you can stand up to the other driver’s insurance company, push for fair compensation, and rebuild your life with confidence. Make sure you reach out to us today!
Bourassa Law Group – Fighting for Colorado’s Injured Riders.
1-800-870-8910