Please Refer a Friend to Get Our Free Newsletters

If you are reading this book, you probably get our monthly newsletter.
(If not, call us and we’ll sign you up.) Now, you can get our newsletter
for all of your friends. Now they can know how to best deal with
insurance company denials; get some practical advice about buying
insurance; and learn all about Hit & Run UM/UIM.
Email: info@bellpollock.com
Fax to (303) 730-7000 or mail to Bell & Pollock, PC. 5660 Greenwood Plaza
Blvd. Suite 220, Greenwood Village, CO 80111. Or send us a list of names
and we’ll send them the newsletter, along with a note telling them that
you’ve helped make it available to them. Don’t worry, we don’t spam! If
they don’t want to get it, there’s always an option to use to get off the
free subscription list.

INTRODUCTION
We are writing this book to “help you.” Simple as that.
The subject of hit and runs can become quite complicated, as you will
see. The subject of Uninsured Motorist Insurance coverage is also
complicated, but can be made simpler, as we have tried to show in this book.
We have been in the law business of helping people for over 30 years.
Time and time again people come to us and, when the at-fault driver has no
insurance, they ask: “what can we do?”
The first thing we ask for is to see your own car insurance policy to see
what the declaration limits are for “UM” and “UIM” coverage. These stand for
Uninsured Motorist Coverage and UnderInsured Motorist Coverage.
So when the at-fault driver, who hit you, who hurt you, has no insurance,
you have to resort to your own insurance policy.
Too many times we’ve seen people not have any UIM or UM coverage or
have only the statutory minimum of $25,000. Their medical bills are at
$120,000 and growing, they have damages, injuries and losses, they’ve lost
their job and basically have to resort to, and look to, the coverages under their
own “UM” and “UIM” insurance policies.
Thus, this book.
Too many times this happens.
Too many times this happens.
Too many times this happens.
Those repetitions are not a mistake. They’re intentional. It’s a sad story, and a
sad state of affairs, when you realize that you needed to have higher “UM” and
higher “UIM” coverages and nobody ever discussed it with you or told you
about that.
We are telling you now!
When Insurance Companies underwrite policies, they operate from
many angles. One of their angles is to attempt to “control their risks.” One
of the ways they control their risk is to see what kind of a driver you are,
what your driving record is, what your age is, etc. to determine if you are a
safe driver and if they have a lower risk by “insuring you.” Therefore, they

sell you liability coverage in case you hit somebody and in case you injure
someone else. They control their risk by knowing you and by knowing about
you.
When they start to sell “UM” and “UIM” coverage, it is almost
impossible for them to measure the risk. That is why they don’t like doing it.
They don’t know who the other driver is. They don’t know anything about
the other driver. They don’t know who is going to hit you. They don’t know
who is going to leave the scene, have no insurance or have expired
insurance and/or be totally irresponsible. That is a risk they don’t like and
therefore you don’t hear too much about “UM” or “UIM’ coverage.
Never let anybody talk you out of “UM” or “UIM” coverage and always
buy the most coverage you can afford. We think you’ll be surprised at how
inexpensive it is compared to other things in life.
If you had perfect hindsight, what would you think of the following
hospital admissions report:
History: “A 53 year-old man is a father of 2 children. He was in a car that was
hit in a t-bone fashion by a teenage drunk driver. The patient broke the side
windshield of his car with his head. The patient was unconscious and was not
lucid. This occurred about 43 minutes ago. The patient had obvious open
shoulder fractures, with compound fractures of both legs. The bone sticking
out was problematic.”
Examination: This patient has a traumatic brain injury, with frontal and
parietal lobe contusions. His MRI scan showed a positive brain bleed and it is
hard for him to follow any commands. He is not alert and oriented times three.
He has a grade 3 open fracture of his left radius. It needs to be amputated.
Because of the brain bleed, he needs to be monitored and can not undergo
surgery until, at a minimum, intracranial pressure has been relieved and the
brain bleed is under control. He will then have to be further evaluated.
You think: Nothing to worry about because surely the drunk driver can be
sued. Surely the medical bills and lost wages will be paid out of a claim made
against the teenagers car insurance policy, right? Surely someone will be fair
to this family and take care of them, right?
WRONG!
The teenager let his insurance lapse and therefore this is a “UM”
situation. If the teenager had left the scene and could not be found this would
be a “UM situation.”

Therefore, there would be no insurance company to collect the money
from, except the patient’s own personal car insurance policy under “UM” and
“UIM.”
When asked what kind of insurance coverage for “UM” he had, the
patient/father indicated that he “didn’t know” and that he had basically left it
up to his insurance agent.
NO ONE EVER EXPLAINED TO HIM THE IMPORTANCE OF
BUYING LOTS OF UNINSURED MOTORIST COVERAGE.
THE BARE FACTS
WHO CARES ABOUT FACTS?
FACTS JUST “GET IN THE WAY.” SO
LISTEN TO THIS:
1. THE FACT THAT UNINSURED MOTORISTS DRIVE WITH NO
INSURANCE ISN’T GOING TO CHANGE.
2. THE FACT THAT SOME DRIVERS LEAVE THE SCENE CAUSING A HIT
AND RUN ISN’T GOING TO CHANGE.
3. THE FACT THAT YOU NEED THE HIGHEST “UM” AND HIGHEST “UIM”
YOU CAN AFFORD IS MANDATORY AND ISN’T GOING TO CHANGE.
4. THE FACT THAT WHEN THE AT-FAULT DRIVER HAS NO INSURANCE,
YOU MUST LOOK TO YOUR OWN CAR INSURANCE COMPANY TO
COLLECT MONEY FOR YOUR DAMAGES, INJURIES AND LOSSES
ISN’T GOING TO CHANGE.
Many people have argued over the years about facts.
Here’s one of our favorite quotes:
“Facts are facts and will not disappear on account of your likes.”
- Indian Prime Minister 1889-1964
Here’s another quote:
“Facts are stupid until brought in connection with some general law.”
- Louis Agassiz
Hopefully this introduction has got you concerned, worried and moving towards
action.
We invite you to read on and learn.