Insurance Bad Faith Attorney in Denver

Insurance is meant to provide financial protection and peace of mind, safeguarding your property, vehicle, family, and financial assets. In many cases, having insurance isn’t just advisable—it’s legally required. Whether it’s auto insurance, homeowner’s coverage, or health insurance, these policies are designed to offer support during life’s unexpected moments. However, navigating insurance policies and understanding their terms can often feel overwhelming, leaving policyholders unsure of their rights or coverage.

Unfortunately, disputes over insurance coverage tend to arise when you need it most—after a claim has been filed. At this critical juncture, policyholders often encounter a maze of confusing terms, exclusions, and stipulations that seem to defy common sense. This is where having skilled legal representation can make all the difference. Whether your claim is tied to a Personal Injury, property damage, or other unforeseen event, the attorneys at Evans Case are here to help you decipher your policy and ensure you receive the benefits you’re entitled to.

Our team also provides Personal Counsel for clients facing complex insurance matters, offering personalized guidance and representation. In addition to insurance-related disputes, we assist clients with broader legal issues, such as drafting Prenuptial Agreements to protect their assets and ensure clarity in financial matters. By addressing potential vulnerabilities before they arise, we help our clients secure greater peace of mind in all aspects of their financial lives.

At Evans Case, we understand how stressful insurance disputes can be and are committed to providing the support you need during these challenging times. Our attorneys will work tirelessly to protect your rights, advocate for your interests, and guide you through the intricacies of insurance law. Contact us today to schedule a consultation and learn more about how we can assist you with insurance claims, personal counsel, or other legal matters to help you protect what matters most.

How We Can Serve You

We represent individuals, homeowners, business owners and companies of all sizes in matters relating to wrongful insurance practices throughout the Denver metropolitan area and across the state. Whether you have millions of dollars of property damage due to a business fire loss or you have lost the ability to work because of a disability, if your insurer is refusing to pay, we can help.

With decades of experience working through confusing and contradictory policy language, and comparing that language to legal standards that insurance companies must meet, we can help answer your questions such as:

Who is covered;
What is covered;
The extent of coverage; and
The limits or exclusions that may apply.

An insurance company owes you a duty of good faith and fair dealing in handling you claim, and when it doesn’t meet that obligation, you have options. In appropriate cases an insurance company may be responsible to pay your claim plus three times the amount it wrongfully withheld and your attorney’s fees.

We know pursuing an insurance company is not something to take lightly. We understand the financial and emotional toll on you, your company and your family. We’ll help you deal with your insurance company. Examples of insurance coverage issues we have handled include:

Failure to settle claims against an insured within policy limits.
Refusal to pay disability benefits.
Coverage for company officers’ and directors’ liability.
Failure to pay auto insurance benefits.
Refusal to pay for fire damage.
Refusal to cover a rented motor vehicle.
Failure to pay health insurance benefits.

Frequently Asked Questions

How can an attorney assist with bad faith insurance claims in Denver?

An attorney specializing in bad faith insurance claims in Denver can evaluate your situation to determine if the insurer has unreasonably delayed or denied your claim without a valid basis. They can guide you through the legal process, ensuring all necessary documentation is properly prepared and submitted. The attorney will advocate on your behalf in negotiations or court proceedings to seek appropriate compensation for your losses. Their expertise in Colorado's insurance laws enables them to identify violations and hold insurers accountable. Engaging an attorney increases the likelihood of a favorable outcome and ensures your rights are protected.

What are common signs that an insurance company is acting in bad faith?

In Denver, an attorney can help with bad faith insurance claims by identifying unreasonable delays or denials and advocating for fair compensation under Colorado laws. Common signs of bad faith include lowball offers, misrepresentation of policy terms, and excessive delays. Policyholders in Colorado can seek remedies such as statutory claims for double damages and attorney fees, common law claims for economic losses, and even punitive damages for egregious conduct. Evans Case, LLP approaches bad faith insurance cases with thorough investigation, tailored strategies, and strong advocacy to hold insurers accountable. Their expertise and client-focused approach ensure that policyholders are informed and supported throughout the legal process.

What remedies are available for policyholders facing bad faith insurance practices in Colorado?

In Colorado, policyholders facing bad faith insurance practices have several remedies to pursue. They can file statutory claims under Colorado Revised Statutes §§ 10-3-1115 and 10-3-1116 to recover attorney fees and double the covered benefit for unreasonable delays or denials. Common law claims allow policyholders to seek damages for economic losses and emotional distress due to a breach of good faith and fair dealing. In extreme cases, punitive damages can be awarded to penalize insurers for egregious misconduct and deter similar actions in the future. These remedies aim to compensate policyholders fairly and hold insurers accountable for unethical practices.

How does Evans Case, LLP approach bad faith insurance cases in Denver?

Evans Case, LLP approaches bad faith insurance cases by thoroughly investigating the circumstances surrounding the claim to identify any instances of unreasonable denial or delay by the insurer. They provide personalized legal strategies tailored to the client's specific situation, ensuring that all actions align with Colorado's insurance laws. The firm is committed to advocating vigorously on behalf of their clients, whether through negotiation or litigation, to secure fair compensation. Their extensive experience in handling insurance disputes enables them to navigate the complexities of bad faith claims effectively. By maintaining open communication and offering compassionate support, Evans Case, LLP ensures clients are well-informed and confident throughout the legal process. To discuss your case and explore your options, please contact us.

Additional Information in Denver, Colorado

Colorado Revised Statutes 2023 - Colorado Consumer Protection Act: Focuses on laws related to consumer and business protections, including regulations impacting insurance practices. It outlines legal obligations for insurance companies, such as the duty to act in good faith and the prohibition of unfair claim settlement practices. For cases involving insurance coverage and bad faith, this resource is essential for understanding statutory remedies under Colorado laws, such as §§ 10-3-1115 and 10-3-1116, which address unreasonable delay or denial of claims. The document offers clarity on consumer rights, procedural requirements, and potential penalties for violations by insurers. By referencing Title 6, policyholders and attorneys can build stronger cases, ensuring compliance and holding insurers accountable for unethical or illegal actions.

Coalition Against Insurance Fraud: A U.S.-based alliance of insurance organizations, consumers, government agencies, and legislative bodies dedicated to combating insurance fraud through advocacy, education, and research. The site offers resources on various types of insurance fraud, including definitions, statistics, scam alerts, and guidance on reporting fraud. For policyholders dealing with insurance coverage and potential bad faith cases, the website provides insights into fraudulent practices by insurers, helping individuals recognize and understand unethical behaviors. By exploring the information available, policyholders can better identify signs of bad faith, such as unjust claim denials or delays, and learn about their rights and avenues for recourse. Utilizing these resources empowers individuals to take informed action against unethical insurance practices, ensuring they receive fair treatment and the benefits entitled under their policies.

National Association of Insurance Commissioners – Consumer: Comprehensive consumer resource center that offers tools and information to help individuals understand various types of insurance, navigate claims processes, and make informed decisions. This platform includes a Glossary of Insurance Terms, explanations of different insurance products, and practical tips for managing insurance needs throughout different life stages. For those dealing with potential bad faith insurance practices, the site offers guidance on filing complaints against insurance companies or agents, including access to the Consumer Insurance Search tool to research complaint histories. By utilizing these resources, consumers can better recognize unethical insurance practices and understand their rights and options for recourse. This empowers policyholders to take informed action to ensure fair treatment and proper handling of their insurance claims.