Denver Insurance Bad Faith Lawyer

Denver insurance bad faith lawyer

You have the right to hold your Colorado insurance company legally accountable for unfair claim settlement practices. You may be able to collect up to double your actual damages and your attorney’s fees if your insurance company operates in bad confidence or pays claims slowly and without a valid reason. This may include slow payment or wrongful denial of your medical bills. If you’re having trouble getting an insurance company to meet its responsibility to you, get help at once from an experienced personal injury and Denver insurance bad faith lawyer at the law firm of Norton and Bowers, P.C.


Insurance companies have a duty to provide you protection in accordance with your allowance policy. Unfortunately, not every insurance company will act in good confidence towards policyholders and honor the original agreement. “Bad faith” happens when your own insurance company treats you unfairly or below the professionally accepted standard of care. A knowledgeable personal injury lawyer or Denver insurance bad faith lawyer can explain to you Colorado’s Unfair Claim and Settlement Practices Act. If your insurance company is acting in bad faith, speak to your attorney about filing bad faith claims. The law can protect you from bad faith insurance practices so that coverage problems don’t add to your difficulties after a personal injury or other insurance claim. Insurance bad faith practices prohibited by Colorado law include:

  • Unreasonable delays in responding to your claim or investigating your loss
  • Persistent attempts to settle claims at unreasonably low amounts
  • Dishonest or inaccurate reasons for denying a claim
  • Unfairly using the threat of cancellation to force a low settlement
  • Using repeated or conflicting information requests as a delaying tactic

In addition, third party insurance companies may also be accused of acting in bad faith. For example, if you are injured in a motorcycle or car accident and entitled to receive a settlement from the other party’s allowance company, they may act in poor faith. These insurance companies may be acting in bad confidence if they don’t thoroughly investigate the claim, respond to in a timely manner or settle it within the policy limits. If the insurance company has denied your claim after an auto accident even though you are entitled to it, take action and seek representation from an experienced attorney. An attorney can poke holes in the insurance company’s defense strategy and get you the compensation you deserve.

It’s important to keep in mind that there is a difference between having a disagreement with an allowance company and experiencing one that is acting in bad faith. Insurance adjusters are typically not acting in poor  faith if they do not agree with you on a settlement, however they should provide you with reasoning for why the settlement is lower than you expected.


Insurance poor faith is a term used to denote the practices that an allowance company may engage in to deny your claim, on an unreasonable basis. When an insurance adjuster is acting in poor faith, he may attempt to deny your claim, or delay it or otherwise treat your claim unfairly based on no legal grounds. In other words, he may not have any legal basis to deny your claim, or to offer you a claim value that is much lower than it is worth.

That immediately excludes many actions of insurance companies, because often companies do have a legal basis for their actions. However, if you believe that your insurance adjuster is behaving unfairly to you, and is behaving in poor faith, you may want to speak to a Denver insurance bad faith attorney about protecting your rights.

For instance, if your insurance adjuster is denying your claim because of a mistake in assessing your claim, but there is a reasonable basis for that assessment, then you may not have an insurance bad confidence  claim. Sometimes innocent mistakes are made, and these do not constitute bad faith.

It’s not always easy to tell whether these mistakes were intentional nature, and were an attempt to stonewall you, or whether these were genuine errors. Speak to a Denver insurance poor confidence attorney about whether you have grounds for an insurance bad faith claim.


If an insurer is found to be acting in bad faith, the company may have to pay damages in excess of the existing policy’s limit. The damages that the victim receives may vary depending on a number of factors including the poor faith tactic used and the type of insurance claim. However, victims may recover compensation for:

  • Emotional distress
  • Personal injury damages
  • Interest dating back to the time that the claim was filed
  • Damages for the insurer’s poor conduct
  • Economic damages
  • Attorneys’ fees.

In some cases, the court may also award punitive damages to punish the insurer for bad conduct. These damages are more common in bad confidence  cases that involve some degree of fraud, malice or willful or wanton conduct.


Colorado law addresses many of the other tactics common to insurance bad faith practices. Retaining an attorney who knows how to put an insurance company on notice is often enough to make the company start treating you right. Norton and Bowers, P.C. is one of the top firms in the area when it comes to handling insurance claims and disputes over insurance coverage. We serve clients on a contingency fee basis or by the hour for these type of cases. Depending on the type of insurance bad faith case, you may have no attorney’s fees until we obtain a settlement or award through litigation.

If you believe that your insurer is acting in poor faith, collect evidence that could be used to show their intent. Be sure to keep track of any interaction that you have with the insurance company. Keep a record of any electronic or written communication, and take notes during phone calls. Ask for any decisions about your claim to be sent to you in writing so you can have everything on record. Provide all of this information to your attorney to assist in the case and prove that the insurer was acting in bad faith.

Our attorneys have years of experience handling these cases and fighting for fair treatment on behalf of people in Denver. If you are fighting with an insurance company in Denver or anywhere in the state of Colorado, please call us today at 303-400-8100 or fill out the form on this website to arrange a free insurance bad faith consultation. You’ll be able to speak directly to an attorney about your case to discuss the best way to move forward with your issues. Offsite, weekend, and evening appointments are also available. Let Norton and Bowers, P.C. go to work for you as quickly as possible.

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