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Denver Insurance Bad Faith Lawyer

The purpose of insurance is to provide a safety net in the event of an accident or disaster. When you make all of your premium payments on time and correctly file a claim, you expect your insurance company to honor that claim. The sad reality is that insurance companies do not always keep the same policies they issue.

If your insurance company improperly denied or refused to pay a valid claim, call the insurance bad faith attorneys at Dormer Harpring. Our team will stand beside you throughout your insurance bad faith claim and provide you with the experienced, client-focused legal representation you deserve.

At Dormer Harpring, we devote ourselves to a unique legal approach. We treat you as an individual with distinct needs and provide you with:

  • Personalized, responsive legal services
  • Compassionate support
  • Effective, aggressive representation in any setting

Dormer Harpring’s insurance bad faith lawyers fully understand the insurance company tactics used to compromise and deny policyholder claims. Our attorneys fight back against these ruses while protecting your interests and advancing your cause.

Call our Denver office today and schedule a free claim evaluation. We will gladly explain insurance bad faith claims as they apply to your situation and advise you of your legal options.

What Can a Denver Insurance Bad Faith Attorney Do for Me?

Suspecting bad faith in your insurance company is one thing, but proving bad faith is another. A skilled bad faith lawyer will help you establish insurance bad faith and pursue the maximum compensation available to you by law.

Our Denver insurance bad faith attorneys will also:

  • Investigate to ensure your insurance company is following the law
  • Build your claim through insurance company correspondence and documentation
  • Assess the value of your claim and demand appropriate damages
  • Try to resolve your claim in alternative dispute resolution before litigation
  • File your bad faith lawsuit with the appropriate court
  • Proceed to court if no settlement is possible

Insurance companies have adjusters and teams of lawyers working for them. You need a legal team on your side as well. At Dormer Harpring, we take on tough cases against large insurance corporations.

Contact our insurance bad faith attorneys to discuss your current situation and whether you have an insurance bad faith claim. We take cases on a contingency fee basis, meaning you do not pay until we win your claim.

What is an Insurance Bad Faith Claim?

Insurance policies are legally binding contracts between the policyholder and the insurance company. The policyholder agrees to pay insurance premiums. In turn, the insurance company pledges to provide a defense for and pay the insured if an accident occurs that is covered within the policy.

When an insurance company purposely tries to avoid honoring a policy or paying a valid claim, they are committing insurance fraud or acting in bad faith. Bad faith can include:

  • The failure to fulfill legal or contractual obligations
  • Entering into an agreement without the intention or means to fulfill it
  • Misleading another party, or acting dishonestly

Insurance bad faith makes an insurance company legally liable for damages that claimants incur due to a valid claim denial. Bad faith comes in many forms, including:

  • Refusing to pay a valid claim or settle a case without an explanation
  • Using deceptive practices to deny a claim
  • Canceling a policy or refusing to pay immediately following an accident
  • Failing to properly investigate or defend a claim for insurance coverage
  • Failing to promptly investigate or defend a claim for insurance coverage
  • Undervaluing a claim
  • Offering an insufficient payout on a claim
  • Denying facts even when supported by evidence
  • Ignoring attempts at communication
  • Using intimidating tactics towards claimants
  • Overwhelming claimants with paperwork
  • Withholding important information about benefits
  • Policy misrepresentations such as terms of coverage for the sole purpose of wrongfully denying a claim

Most of the time, insurance companies settle claims according to policy coverage and within proper claim limits. However, money can cause insurers to lose focus on their policyholders’ rights and put profits and shareholders first.

Warning Signs of Insurance Bad Faith

Insurance companies have a duty to deal with their claimants fairly and with good faith. When presented with a claim, an insurance company should settle that claim within the available coverage limit of the policy. As a policyholder, it is essential to know and recognize the warning signs of insurance fraud.

Warning signs of insurance bad faith may include any of the following:

  • Using unconventional, invasive, or bizarre investigation methods
  • Ignoring evidence or testimony provided by the claimant
  • Making unreasonable demands
  • Blaming the claimant for the accident
  • Post-claim underwriting, changing the terms of or canceling policies after submission of claims
  • Accusing the claimant of lying on the original insurance application

A claimant can help their attorney build a case for insurance bad faith by:

  • Documenting all interactions with the insurance company, including the date, time, representative, and topics of discussion
  • Keeping all correspondence from the insurance company such as emails and letters
  • Asking the insurance company to confirm every conversation in writing
  • Responding to all calls and correspondence from the insurance company

Most insurance bad faith cases settle with the help of an experienced lawyer before ever reaching a courtroom.

Compensation for Insurance Bad Faith

Colorado has an insurance bad faith law that permits an insurance claimant who is unreasonably denied or delayed payment of benefits to recover their attorney fees, court costs, and two times their covered benefit. The same insurance claimant may also recover damages for breach of the insurance contract itself.

Typical insurance bad faith cases include, but are not limited to:

  • Health insurance claims
  • Homeowners insurance claims
  • Fire and flood loss claims
  • Auto insurance claims
  • Life insurance claims
  • Commercial liability claims

There are statutes of limitations, or deadlines, for filing insurance bad faith claims. These deadlines depend upon the circumstances surrounding a claim. If a lawsuit is not filed within the statute of limitations, a victim loses their right to file the lawsuit.

Get Experienced Legal Counsel From a Denver Insurance Bad Faith Lawyer

If you are having trouble with an insurance company and suspect bad faith, contact Dormer Harpring to find out more about your options for recovery. Whether an insurance company refuses to pay all of or any part of your valid insurance claim, we can help.

At Dormer Harpring, we are proud to provide exceptional representation to people from all walks of life throughout Colorado. Our personal injury attorneys assist clients throughout Denver County, Adams County, Boulder County, Arapahoe County, Jefferson County, and the State of Colorado.

Call (303) 747-4404 or email us via the contact form on this page to find out more about our personalized services and commitment to caring, compassionate, and responsive legal advocacy.