The Murphy Law Firm helps people who have been injured in car accidents to make sure they receive the maximum compensation from insurance companies and those responsible for the accident.
On August 11, 2001, my wife and I were seriously injured in an accident which killed two other people. Our young son was also severely traumatized by the accident. We were overwhelmed by the pain, doctor’s appointments, bills, lost income and the inability to work. There were days when making it the few steps from the bed to the bathroom seemed too much to handle.
In the midst of all that, dealing with an insurance adjuster who was more concerned with saving her company money than in making sure we were taken care of was more than I could tolerate. That experience made me realize how important it was for those injured in auto accidents to have a competent and compassionate attorney. Before the accident, I had shied away from most auto accident cases. The primary focus of my practice had been medical malpractice and suing insurance companies for long term disability benefits. However, our accident opened my eyes to the serious need in our community for lawyers who are more interested in helping auto accident victims to regain their lives than in settling the case with the least possible amount of work. As a result, I have shifted my practice to focus on those who have been denied benefits by insurance companies and those who have been injured in auto accidents.
As of July 1, 2003, Colorado abandoned no fault insurance and returned to a pure tort state. This means that your own auto insurance will no longer pay for your medical bills, rehabilitation costs or lost wages if you have an accident. These costs are be the responsibility of the driver who is at fault in the accident.
You can purchase med pay coverage with your auto policy. If you do, your own insurance should pay your medical bills up to the limit of coverage you purchased. If you did not purchase med pay, you will be responsible for arranging for payment of your own medical costs. You can do this with your own medical insurance, your own savings, or your doctors may allow you to postpone payment until you recover from the driver who is at fault. We can help you make these arrangements and we work with several companies which will pay your medical bills for you so that you can get treatment now and repay them out of your settlement or judgment.
If the accident was your fault, you will be responsible for paying for your own medical bills and the medical bills of anyone else who was injured. If you are uninsured, or do not have enough insurance to cover the damages caused, the injured parties will be entitled to go after your personal assets to secure payment.
I strongly recommend that everyone increase both their liability and uninsured motorist limits. If you are injured by an uninsured or under insured motorist, this may be the only automobile policy available to pay for your medical care, lost wages, as well as pain and suffering. By losing no fault Personal Injury Protection (PIP) benefits as a result of the change in the law in 2003, Colorado drivers have lost approximately $130,000 of coverage per person injured in each accident. I recommend you take this into account when considering what limits you purchase for liability, med pay and uninsured motorist coverage.
We will work with you to maximize your settlement with whomever is at fault in your accident or take that party to court on your behalf to make sure you receive the compensation you deserve. If you have been injured in an auto accident, we would be happy to discuss your case with you during a free consultation. Please call us or use the link below to email us a brief description of your accident. For a free evaluation of your case, please call us at (303) 316-0813