We understand that initially, the injured vehicle occupants recognized scenarios where the other driver was clearly at fault for the crash. This may include the driver running a red light, operating their vehicle at an excessive speed, or getting arrested for being impaired after the collision.
This often leads to most injury victims expecting the at-fault driver’s insurer or their insurance provider to cover the costs of their overall damages. In turn, they may determine there is no need to get an attorney involved. The thinking is, based on the previous example, “Your policyholder disobeyed a clear traffic law, was speeding, or impaired, making them clearly at fault for the crash, which means their insurance provider is liable for the damages.”
We understand. This line of thinking makes complete sense.
The reality is that is not always the case, as insurance companies may employ several long-used tactics to pay you less or deny the claim entirely.
Be Cautious of the Common Tactics Insurance Companies Use to Deny Colorado Car Crash Claims
Insurance companies often employ various tactics to deny or minimize car crash claims in Colorado. While not all insurance companies use these tactics, you must be aware of potential challenges you might face when filing a claim independently.
Here are some common tactics insurance companies may use to deny claims:
- Disputing Liability
The insurer may attempt to shift the blame for the accident onto you, arguing that you were partially or entirely responsible for the crash.
- Questioning Medical Treatment
Insurers may question the necessity and extent of your medical treatment, arguing that it was excessive or unrelated to the accident, or may say that your injuries were pre-existing and not caused by the accident.
Insurance companies might hire their medical experts to dispute the opinions of your treating physicians, attempting to minimize the severity of your injuries.
Insurers may request your medical records to search for evidence of prior injuries or conditions. Please do not give them access to your medical records without speaking with a skilled Denver personal injury attorney first, or you may inadvertently put your case at risk.
Some insurance companies hire investigators to conduct surveillance on claimants, looking for any activities that could be used to discredit or devalue their claims. Be cautious with your activity levels and what you post on social media. Pictures, videos, and even comments can be taken out of context and hurt your claim.
- Using Recorded Statements
Be careful when giving recorded statements to insurance adjusters, as they may use your words against you to deny or devalue your claim. Ideally, you should never speak with the liable party’s insurance provider until you consult with a Denver personal injury attorney so you are aware of your legal rights and options, and that both are protected from the start of your claim.
- Delaying Claims Processing
Insurance companies may deliberately prolong the claims process, hoping you will become frustrated or financially strained, ultimately accepting a lower settlement.
- Lowballing Settlement Offers
Insurance adjusters may initially offer you a settlement far below your claim’s actual value, hoping you will accept it due to pressure or financial need.
Some insurers may pressure you to accept a quick settlement offer before fully understanding the extent of your injuries and future medical costs. This can harm your claim and ongoing financial stability, as once you accept a settlement, the claim is closed. Any future expenses — medical or otherwise — that were not considered must be paid out of your pocket.
Partner with Experienced Auto Accident Attorneys Who Will Protect Your Best Interests
Getting hurt in a Colorado vehicle collision is a confusing time for everyone involved. To gain clarity on the crash and who can be pursued for your damages, contact our skilled personal injury lawyers in Denver at Donaldson Law, LLC by calling (720) 458-5000 or contact us online to schedule a free, confidential consultation to discuss your case.