Wick & Trautwein, LLC
Call Today
Local
970-237-5694
Toll Free
866-686-1410
Broad Based Experienced Legal Help Since 1972

Creative Solutions, Exceptional Results

The law firm of Wick & Trautwein, LLC, has a long history of partnerships with the people and businesses of northern Colorado and southern Wyoming

Some at-fault vehicles will exclude your uninsured motorist claim

An uninsured or underinsured motorist claim is one that you file to your own insurance company because you experienced damages in an accident caused by a driver or vehicle that wasn't covered or fully covered. If you have the proper uninsured or underinsured additions on your own policy, the theory is that your insurance company should pick up the slack and help you cover your losses.

A lot of parameters govern whether you'll be successful with such an approach, though. For example, not every accident you are involved in with an uninsured or underinsured vehicle is allowed under most of these policies. If you are in an accident that involves another vehicle that is owned by someone in your family or yourself, then your uninsured motorist policy will likely not apply. This is true even if the car in question is not fully covered.

Vehicles that are self-insured are also usually reasons that an underinsured policy won't pick up any losses. The one time this isn't true is if the self-insured person ends up going insolvent and is unable to meet the obligations of his or her self-insured arrangement.

Other types of vehicles that can put a lid on your uninsured or underinsured policy includes government-owned vehicles, vehicles that are designed for use in off-road activities only or which are being used off-road at the time of the incident and vehicles that are being used as a residence, such as mobile homes or RVs that are being maintained in a park environment.

You also can't usually tap your uninsured motorist policy if you are involved in an accident with a vehicle that is meant to be used on the railways and not the roadways. If you are involved in an accident and want to know what your options are for seeking compensation, consider speaking with a personal injury lawyer.

Source: American Institute of CPAs, "Uninsured/Underinsured Motorist Coverage," accessed Feb. 24, 2017

No Comments

Leave a comment
Comment Information
Watch More Videos

We Take Your
Emails Seriously

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

Wick & Trautwein, LLC BBB Business Review
FindLaw Network
Firm Locations
Wick & Trautwein, LLC
323 South College Avenue #3
Fort Collins, CO 80524

Phone: 970-237-5694
Toll Free: 866-686-1410
Fax: 970-482-8929
Fort Collins Law Office Map
Wick & Trautwein, LLC
513 Big Thompson Ave
Estes Park, CO 80517

Located in Lower Stanley Village
Phone: 970-586-3505
Fax: 970-586-3269
Estes Park Law Office Map

Windsor Office
(by appointment only)
421 Main Street
Windsor, CO 80535
Toll Free: 866-686-1410
Map and Directions