Colorado Springs Insurance Bad Faith Lawyer

Bad faith takes many forms. Common examples include:

• Unreasonably delaying payment of a valid claim
• Denying a claim without a reasonable basis
• Lowball settlement offers
• Failing to investigate a claim properly
• Misrepresenting policy terms or coverage

Understanding how the harm happened is the first step in proving who is responsible, and it shapes the entire claim. We look closely at the facts and the conduct of everyone involved so that fault is placed where it belongs.

The way a case is built depends on the circumstances. Our Colorado Springs team handles:

• Unreasonably delayed claims
• Wrongfully denied claims
• Underpaid property or injury claims
• Uninsured and underinsured motorist disputes
• First-party benefit disputes

No matter how your case arose, the core question is the same: did someone else’s negligence cause your harm, and what has it cost you? We answer that question with evidence and pursue every dollar you are owed.

What you do afterward can protect both your health and your claim. If you are able:

• Keep copies of your policy and all correspondence
• Document every call, letter, and payment
• Do not accept a lowball offer under pressure
• Get an independent estimate of your loss
• Call The Law Giant to review the insurer’s conduct

Some serious injuries do not show symptoms right away, so prompt medical care protects both your recovery and the record that ties your injuries to what happened.

An insurer’s unreasonable conduct can leave you facing:

• Unpaid medical bills and repair costs
• Financial hardship from delayed benefits
• Stress and uncertainty
• Pressure to accept less than you are owed
• Loss of benefits you paid for

The insurance company is directly responsible for its own unreasonable conduct, and in some cases the individual adjuster who handled the claim may share liability. We gather the claim file and the insurer’s records to prove the delay or denial had no reasonable basis.

How The Law Giant Builds Your Case

A strong claim rests on evidence, and the best evidence disappears quickly. From the first call, we gather the reports, records, and photographs, preserve any video, and track down witnesses before memories fade, working with experts where needed to show exactly what happened and how it has affected your life.

The Statute of Limitations: Two Years

In Colorado you generally have two years from the date of the injury to file this type of claim (C.R.S. 13-80-102). Deadlines pass faster than people expect and evidence disappears, so it is important to speak with a lawyer early.

Colorado’s 50 Percent Comparative Fault Rule

Colorado follows a modified comparative negligence rule (C.R.S. 13-21-111). You can recover as long as you are less than 50 percent at fault, with your award reduced by your share of the blame, and at 50 percent or more you recover nothing.

Limits on Pain-and-Suffering Damages

Colorado caps noneconomic damages, such as pain and suffering, at $1.5 million for claims that arise on or after January 1, 2025. Medical bills, lost wages, and damages for physical impairment or disfigurement are not capped (C.R.S. 13-21-102.5, HB24-1472).

Colorado gives policyholders a strong remedy. Under C.R.S. 10-3-1115 and 10-3-1116, an insurer may not unreasonably delay or deny payment of a covered benefit, and a policyholder who proves it can recover reasonable attorney fees, court costs, and two times the covered benefit, on top of the benefit itself. This statutory claim exists alongside a common-law bad-faith claim, which can also recover damages for the financial and emotional harm the insurer’s conduct caused. Together these give Colorado policyholders real leverage against an unreasonable insurer.

A full claim can account for every way the injury has affected your life, including:

• The full benefit you were owed
• Two times the covered benefit (statutory)
• Reasonable attorney fees and court costs
• Consequential financial losses
• Emotional distress (common-law claim)

The value depends on the severity of your injuries, the cost of your care, the impact on your daily life, and the available insurance. We calculate each category in full, including future costs insurers prefer to ignore.

Knowing what to expect makes the process far less stressful. A typical claim moves through several stages:

• Investigation, where we gather the reports, records, and evidence
• Treatment, where you focus on healing while we document your injuries and costs
• A demand, where we present the insurer with a full accounting of your losses
• Negotiation, where we reject low offers and press for a fair number
• Litigation, where we file suit and prepare for trial if the insurer will not be fair

Most cases settle along the way, but insurers pay more when they know a firm is fully prepared to go to court, so we build every case from the start as if it will end in front of a jury.

After an injury, the insurance company on the other side is not on your side. Its adjusters are trained to limit payouts and often move fast, requesting a recorded statement, a broad medical release, or a quick settlement before the full extent of your injuries is known. Anything you say can be used to reduce your claim, and a fast check that seems generous is often far less than your case is worth. Letting The Law Giant handle those conversations protects you from the common traps and keeps the focus on your full recovery.

If your case involves anything more than a minor injury, it is worth talking to a lawyer before you speak with the insurance company, especially if fault is disputed, your injuries are serious, or the insurer is already pressuring you to settle. The consultation is free and hiring us costs nothing up front, so there is no risk in learning what your case is worth.

The Law Giant has recovered more than $850 million for injury victims, and we bring that experience and trial strength to every case, large or small. We handle the insurance company, the paperwork, and the investigation so you can focus on healing, and because we work on contingency, you pay nothing unless we win.

Insurance companies make stronger offers when they know a firm is ready and able to take a case to trial, and that is the leverage we bring to your claim. From the first call, our team keeps you informed and fights for the full value of your losses.

The Law Giant handles a full range of injury cases in Colorado Springs, including car accident, truck accident, motorcycle accident, premises liability, workplace injury, and wrongful death.