DUI and Uninsured motorist in Colorado

Personal Injury Car Accident

I was doing some research about auto accident personal injury and came across something that was crazy but makes sense. Lets say that you are walking across the street and a drunk driver clipped you and you went to the hospital and then you find out that he does not have insurance IF in Colorado you have uninsured under insured on your car insurance policy your auto insurance would need to cover you up to the limits of your auto policy.

What would happen if the same scenario that you got hit by a DUI or reckless driver and again they did not have valid auto insurance and you did not have auto insurance but had instead motorcycle insurance and that had uninsured under insured coverage would that pay now that is a very interesting question.

As I reading up on the new Colorado statutes from 2008 it says that the uninsured insurance follows the insured not the vehicle


below from  website  http://www.coloradolaw.net/html/uninsured-motorist-coverage.html


"What happens if I'm injured in a Denver uninsured car accident?

If the at-fault driver doesn't have insurance, or does not have enough insurance, we look to your automobile insurance policy for compensation for injuries and losses. Under Colorado law, insurance companies selling automobile insurance in Colorado are required to sell Uninsured/Underinsured Motorist Insurance as part of every policy sold unless the coverage is specifically refused in writing. Uninsured or under-insured (UM/UIM) coverage is a separate coverage that provides coverage to you and your passengers if injured in an accident caused by an uninsured or under-insured driver. This coverage "steps into the shoes" of the at-fault driver and pays you the same kind of damages you could have recovered from the at-fault driver's insurance had the driver been insured. Uninsured motorist insurance coverage may be available to pay your claim if any resident in your household owns a car that has uninsured motorist coverage regardless of whether you were occupying the car at the time of the accident. In fact your uninsured motorist coverage will even cover you if you are a pedestrian hit by an uninsured driver."



the above says auto insurance but when you look at the actual bill  that was passed  it says motor vehicle  later it defines  Motor vehicle in the law

http://www.leg.state.co.us/clics/clics2007a/csl.nsf/billcontainers/3FF057B2727A4B19872572BF008107CE/$FILE/256_enr.pdf


"An under insured motor vehicle is a land motor vehicle, the ownership,
maintenance, or use of which is insured or bonded for bodily injury or death
at the time of the accident.... "

So my guess and remember I am not an attorney but just a normal guy is that if you had your tractor insured for Uninsured motorist that it would cover you if you were walking across the street and got hit by anybody, would not even need to be someone who was breaking the law in any other way than being uninsured. And it would also cover up to the highest limit available, as I read it, so if your policy was for say 250,000 and the injuries went past the guys legal minimum policy at 25,000, your insurance would cover you though his and up to the top of yours, so again as I read it, would make 275,000 available.

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