The Basics of Auto Insurance in Colorado
The compulsory or mandatory coverages in Colorado are bodily injury of $25,000 per person and $50,000 per accident, as well as medical payments coverage of $5,000 per accident. However, we highly recommend you carry more than $5,000 in medical payments coverage.
The most important coverage is UM/UIM, which covers you in the event you or your family is hit and injured by either an uninsured motorist (i.e., a driver without any insurance whatsoever) OR an underinsured motorist (i.e., a driver who has auto liability insurance but not enough to cover your particular injuries, damages, and losses). You are entitled to have UM/UIM insurance up to the limits of your bodily injury coverage, and the Tenge Law Firm, LLC, strongly encourages everybody to do so.
Over $50M Recovered in the Past Seven Years
At the Tenge Law Firm LLC, our goal is to achieve the best possible result for our clients as soon as possible. Each case and each client is different, so we work directly with clients to meet their needs for medical care and personal situations. We have enjoyed great success, with exceedingly high client satisfaction, using this approach.
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$3,250,000 Rollover auto accident involving defective roof and serious injuries
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$1,475,000 Auto accident with head, neck and back injuries
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$950,000 Car accident with brain injury and orthopedic injuries
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$750,000 Policy Limits – Low speed auto accident leading to minor stroke
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$533,000 Trial Verdict - Client hit by airborne patio umbrella with facial scar and concussion.
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$450,000 Pedestrian hit by car
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$300,000 Four-car accident resulting in vertebral fracture and facial injuries
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$200,000 Auto accident with facial injuries
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$120,000 Slip-and-fall at fast food restaurant
Hundreds of 5-star Reviews. Exceptional Results
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"Everyone is extremely nice & very efficient"
I highly recommend this law firm! They take care of everything in a timely manner & alleviate any harassment while you recover from injuries. Everyone is extremely nice & very efficient...if you need an attorney, Tenge Law is the place to go!
- Betty C. -
"They treated me like family"
Todd, Liz and Nina were amazing. They handled my case very professionally. I recommend this law firm to anyone looking for a great firm. They treated me like family
- Jenn K. -
"Would highly recommend to anyone!!"
Tenge Law Firm helped me out when I was in a accident that involved my whole family. They were great and fast with the entire process, and were awesome at keeping me updated throughout the entire process. Would highly recommend to anyone!!
- Zack K. -
"They were extremely responsive and answered my questions very well."
Paige and Nina were a delight to work with. They were extremely responsive and answered my questions very well. They made me feel like I was in good hands and could trust them!
- Rachel V. -
"Definitely made it a stress-free experience"
Brenda was my attorney. She was amazing, helped me through the whole process. Definitely made it a stress-free experience, especially after going through something so traumatic! Was extremely attentive and always kept me updated on how my case was going! I would 1000% recommend them to everyone and anyone!! THANK YOU SO MUCH!
- Zitlaly O.
Is There a Difference Between Uninsured Motorist and Underinsured Motorist?
An uninsured motorist policy covers you, your family members, and occupants of your vehicle if you are injured by an uninsured driver. An uninsured motorist isn’t just another driver without any liability insurance – it also covers hit-and-run drivers, phantom drivers, and covers you if you are injured by an uninsured motorist while a pedestrian, on a motorcycle, or even a bicycle.
Underinsured motorist coverage is insurance you buy on your own policy to cover you in the event you are hit and injured by another driver who does not have enough insurance to fully compensate you for your injuries, damages, and losses. By way of example, if you are injured and the other driver has the minimum $25,000 in bodily injury coverage, but your injuries are valued at $125,000, your UIM coverage would step in to compensate you for the difference up to the limits of your UIM coverage.
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Reviews
When our clients are happy, they say so. Whether we’re being described for how well we communicate, our responsiveness, or the quality of our service, we’re consistently rated 5.0 out of 5.0 by those we represent.
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Ratings
As an industry leader in the field of personal injury, we're proud to maintain a superb 10.0 out of 10.0 rating on AVVO.com, have a preeminent AV rating from Martindale-Hubbell, and have recently been awarded Client Champion Platinum status from Lawyers.com.
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Results
In the last ten years, we've recovered $50 million on behalf of our clients. Our motto is simple - You do what you need to do physically recover, and we'll handle the rest.
What Should I Do After an Accident with an Uninsured Driver?
Get medical attention first, as always. The cases we handle often involve catastrophic injury; people who genuinely need assistance with their claim. Then, give us a call. The Tenge Law Firm, LLC, will make sure the driver truly doesn’t have insurance. Often, there are other policies he or she might be covered under, or the insurance carrier is wrongfully denying coverage where it actually exists. So, the bottom line is this: don’t take the insurance company’s word for it. Call us so we can perform a professional insurance coverage analysis, bringing all our experience, skill, and knowledge to bear for you. If the driver really doesn’t have coverage, we will examine other sources of insurance, including your own auto policy.
What If I Don’t Have UM/UIM Coverage on My Policy?
First, don’t give up. We are excellent insurance lawyers. We would be happy to meet with you and investigate all potential sources of coverage for you. For example, you may be covered under another vehicle that does have UM. We have represented injured people who came to us with what seemed to be a lost cause—no insurance. We found coverage for them.
If I Make a Claim on My Policy, Will My Insurance Company Raise My Rates or Cancel Me?
No. In fact, there are specific statutes in Colorado that prohibit a carrier from taking any sort of retaliatory action against its own policyholders for making such claims. After all, you have a contract with your insurance company, which you paid for. In exchange for your payment, your insurance company agreed to provide certain benefits to you under the contract. Thus, it is illegal for the company to take action against you simply because you took advantage of the benefits that you paid for.
The Tenge Law Firm, LLC, has dealt with bad-faith insurers before, and we can pursue punitive damages in court if your insurance company refuses to cooperate and perform its contractual duties to you. If we represent you in a personal injury claim of any sort, we do not take upfront fees, and only collect payment after we’ve won a jury verdict or negotiated a fair settlement.
Call (303) 219-7377 to schedule your free consultation and start on the road to recovery. We have offices in Boulder, Denver, and Fort Collins.
