Denver Car Accident Attorneys at Bell & Pollock, P.C. Discuss Auto Insurance Policies Essential for Colorado Motorists to Carry

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Attorneys Bradley P. Pollock and Gary Bell Jr. weigh in on two different types of auto insurance designed to help injury victims involved in Colorado car accidents.

Outside of your job, the biggest danger you have in life is probably driving your car, being a passenger in a car or being struck by a car as a pedestrian or bicyclist.

The co-founders of Bell & Pollock, P.C., a Denver law firm with over thirty years’ experience, recently discussed how optional insurance coverage such as MedPay and Underinsured Motorist Coverage (UIM) play a critical role in keeping accident victims compensated for their injuries.

“Outside of your job, the biggest danger you have in life is probably driving your car, being a passenger in a car or being struck by a car as a pedestrian or bicyclist,” Pollock said on the Bell & Pollock Legal Show broadcast on Colorado stations KHOW, MIX 100, KOOL105 and 92.5 The Wolf and available as a podcast on the firm’s website,

“You need to have insurance protection on your car,” Pollock added. “Not only is it the law in Colorado to carry minimum amounts of auto insurance. In the event of an accident, when medical bills add up fast, optional policies such as MedPay and UIM – Underinsured Motorist Coverage – go a long way to make sure the long-term costs of your injuries are covered.”

Pollock said that all motorists should review their policy to ensure that both types of insurance coverage are included. While additional coverage may lead to higher monthly insurance rates, according to Pollock, they become invaluable to car accident victims after they’ve been injured in a car crash.

“MedPay is a separate premium that is not expensive. If you are hurt and go to the hospital, a visit to the emergency room can cost from five to ten thousand dollars. Let’s say you have a nerve injury or neurological injury, maybe you need therapy or you have a muscle injury. Your bills can be up to $50,000 before you know it,” Pollock said.

“By law the only way you don’t have at least five thousand dollars of medical coverage is if you voluntarily pass up the right to have MedPay. You should not do it, even if you have a premier health insurance policy. If you have a high deductible or low insurance, you should increase that amount to as high as your insurance provider will allow you to go,” he said.

Attorney Gary Bell Jr., who co-founded Bell & Pollock in 1984, stressed the importance of Uninsured and Underinsured Motorist Coverage.

“If you’re in a car and get hit by a motorist, it’s their fault, and they either don’t have insurance, expired insurance, not enough insurance to cover your medical bills or the driver fled the scene of the accident, it can be hard knowing what to do,” Bell said.

“Uninsured and Underinsured Motorist Coverage kicks in when a driver is involved in an accident with a motorist lacking the insurance coverage necessary to cover the long-term cost of your injuries. Uninsured and Underinsured Motorist Coverage is your only protection. You get UIM to protect yourself,” Bell said.

About Bell & Pollock, P.C.

An experienced Colorado personal injury law firm serving Denver and residents statewide, Bell & Pollock, P.C. was founded by attorneys Gary Bell Jr. and Bradley P. Pollock. With offices in the Denver area and Steamboat Springs, CO, Bell & Pollock, P.C., has a strong track record for successfully handling a wide range of legal cases, including auto accidents, truck accidents, construction accidents and workers compensation issues. Bell & Pollock, P.C. works on a contingency fee basis. That means clients only pay attorney’s fees if they win. Contact Bell & Pollock, P.C. for a free case evaluation.

Bell & Pollock, P.C.
5660 Greenwood Plaza Blvd #220
Greenwood Village, CO 80111-1622
(303) 795-5900

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