The Colorado law states, in part, that the insured is "legally entitled to recover damages from owners or operators of uninsured [or underinsured] motor vehicles." (Credit: alexandre17/Shutterstock)
When Beverly Hughes was injured in a motor vehicle accident, she filed a claim with her insurer, Essentia Insurance Co., under the UM/UIM benefit provision of her policy, according to the appeals court's May 5 opinion. Essentia insured Hughes' two classic cars, but not the "regular use vehicle" she was driving at the time of the crash.
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