Insurance & Your Injury Claim

A Guide to Navigating Coverage After an Accident

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Know the Tactics They Use. We Know How to Win.

Important: Insurance companies often have strict deadlines for reporting claims and may use delays against you. Contact an experienced attorney immediately to protect your rights.

Fighting Insurance Companies for Fair Compensation

If you’re involved in a personal injury claim, insurance coverage will play a major role in your case. While you exchange insurance information at the accident scene and expect a fair resolution, the reality is far different. Insurance companies are profit-driven businesses whose primary goal is to pay as little as possible for your claim.

The typical scenario involves dealing with an insurance adjuster who seems helpful but is actually trained to minimize your compensation. They use sophisticated tactics to devalue your claim, delay payments, and pressure you into accepting settlements far below what you deserve. Don’t let their friendly demeanor fool you—they are not on your side.

At Beck Law Office, we understand the insurance industry from the inside out. With our 24+ years of experience and former prosecutorial background, we know how to counter their tactics and fight for the compensation you truly deserve. We serve as your advocate against companies that have teams of lawyers working to protect their profits at your expense.

The Insurance Adjuster's Strategy Against You

Understanding Their True Role

Insurance adjusters present themselves as helpful professionals working to resolve your claim fairly. In reality, they are trained negotiators whose job performance is measured by how much money they save their company. Every dollar they don’t pay you is a dollar that goes to their company’s profits.

Common Adjuster Tactics:

Quick settlement offers before you know the full extent of your injuries
Recorded statements designed to get you to say something damaging
Delaying claim processing hoping you’ll become desperate and accept less
Disputing medical treatment claiming your care was unnecessary or excessive
Minimizing your injuries by suggesting they’re not as serious as claimed
Blaming you for the accident or claiming you contributed to your injuries

Why You Need Professional Representation

An experienced personal injury attorney changes the entire dynamic. Insurance companies know that lawyers understand the true value of claims and won’t be manipulated by standard tactics. When we represent you, adjusters must deal with someone who knows their playbook and can counter every move they make.

We handle all communications so you never have to worry about saying the wrong thing or falling for their manipulation tactics. Our job is to protect your interests while they’re trying to protect their company’s profits.

Common Types of Insurance in Personal Injury Claims

Understanding the different types of insurance coverage helps you know what compensation may be available and why having an advocate is crucial for accessing it.

Automobile Insurance Coverage

Liability Insurance

This is the foundation of any auto policy and covers bodily injury and property damage expenses caused by the at-fault driver. In Colorado, the minimum coverage is $25,000, which can be quickly exhausted in serious accidents when medical bills are substantial.

Your Rights: If you’re injured by someone else’s negligence, their liability insurance should cover your medical bills, lost wages, pain and suffering, and other damages. However, insurance companies often try to minimize these payments.

Collision Coverage

This pays for vehicle repairs up to the cash value of your car (not replacement cost). While this covers property damage, it doesn’t address your personal injuries.

Comprehensive Coverage

This covers damages not caused by auto accidents, such as theft, fire, vandalism, or natural disasters. Like collision coverage, it doesn’t help with personal injury claims.

Medical Payments (Med Pay)

This coverage pays for your medical expenses and those of your passengers regardless of who caused the accident. Med Pay applies whether you’re driving your car, someone else’s car, or injured as a pedestrian. In Colorado, the minimum coverage is $5,000, but policyholders must specifically request this optional coverage.

Important: Med Pay can provide immediate payment for medical bills while your personal injury claim is being resolved.

Uninsured/Underinsured Motorist Coverage (UM/UIM)

Uninsured Motorist (UM) covers your injuries if you’re hit by a driver with no insurance or a hit-and-run driver.
Underinsured Motorist (UIM) covers you when the at-fault driver’s liability coverage is insufficient to cover your damages.

Critical Information: Many drivers carry only minimum insurance, which may not be enough to cover serious injuries. UM/UIM coverage protects you when the at-fault driver can’t adequately compensate you.

Homeowner’s Insurance Coverage

Bodily Injury Coverage

When someone is injured on your property due to dangerous conditions, homeowner’s insurance typically covers their medical expenses, lost wages, and other damages up to policy limits.

Medical Expenses Coverage

Some homeowner’s policies provide automatic medical payment coverage for injuries on your property, regardless of fault. This can pay immediate medical bills without requiring a lawsuit.

Common Scenarios:

Slip and fall accidents on your property
Dog bite incidents (though many insurers now exclude dog bite coverage)
Accidents during social gatherings or maintenance activities
Off-property incidents where you accidentally injure someone

Important: If a lawsuit is filed against you, the insurance company must provide legal defense, but their interests may not align with yours.

Health Insurance Considerations

Your health insurance can play a crucial role in personal injury claims by:

Paying immediate medical expenses while your claim is being resolved
Providing access to quality care without waiting for settlement
Protecting your assets from medical debt

Subrogation Rights: Your health insurance company may have the right to be reimbursed from your personal injury settlement for medical bills they paid. An experienced attorney can often negotiate these liens to maximize your recovery.

How Insurance Coverage Affects Your Claim

The amount and type of insurance coverage available significantly impacts your claim’s value and the tactics insurance companies use.

Why You Need an Advocate Against the Insurance Company

Scenario 1: Low-Impact Accident with Adequate Coverage

The Situation: You’re in a minor fender-bender with soft tissue injuries like whiplash.

Insurance Company Strategy: The adjuster will offer a quick, low settlement, arguing that minimal vehicle damage means minimal injuries. They know juries may be skeptical of significant injury claims from minor accidents.

How We Counter: We document all your injuries with medical evidence, demonstrate how even minor impacts can cause real injuries, and ensure you receive proper treatment before considering any settlement.

Scenario 2: Serious Accident with Minimum Coverage

The Situation: You suffer severe injuries, but the at-fault driver only has minimum insurance ($25,000 in Colorado).

Insurance Company Strategy: They’ll settle quickly for policy limits, knowing even a modest jury verdict would exhaust their coverage.

How We Maximize Recovery: We investigate all possible sources of compensation, including your own UM/UIM coverage, other potentially liable parties, and assets of the at-fault driver beyond insurance.

Scenario 3: Serious Accident with High Coverage Limits

The Situation: You have significant injuries and the at-fault driver has substantial insurance coverage.

Insurance Company Strategy: With more money at stake, they’ll fight harder, use more sophisticated tactics, and may require filing a lawsuit to motivate fair settlement offers.

How We Fight Back: We’re prepared for litigation from day one, conducting th

Insurance Companies Are Not on Your Side

Their Primary Goal: Maximize profits by minimizing claim payments
Your Primary Goal: Fair compensation for your losses
The Conflict: These goals are directly opposed, making them your adversary, not your ally

They Have Unfair Advantages

Teams of experienced adjusters trained in claim reduction tactics
In-house lawyers and contracted law firms
Medical experts who work exclusively for insurance companies
Vast resources to investigate and contest your claim
Delay tactics knowing you need money for medical bills and living expenses

How We Level the Playing Field

Expert Knowledge: We understand insurance company tactics because we've been fighting them for over 24 years
Legal Experience: Our former prosecutorial background gives us unique insight into building compelling cases
Resources: We work with medical experts, accident reconstruction specialists, and economists to prove your full damages
No Upfront Costs: We work on contingency, so we only get paid if we recover compensation for you

What We Do for You

Handle all communications with insurance companies
Protect you from giving damaging statements that could hurt your case
Investigate thoroughly to find all sources of compensation
Calculate the true value of your claim, including future losses
Negotiate aggressively for fair settlements
Take cases to trial when insurance companies won’t offer fair compensation

The Beck Law Office Advantage

Former Prosecutor’s Insight: Attorney Lori Beck’s experience as a Deputy District Attorney provides unique insight into building compelling cases that achieve maximum compensation.
24+ Years of Experience: Extensive experience calculating and recovering all types of damages for injured clients throughout Colorado.
No Fees Unless We Win: We work on a contingency basis, so you pay no attorney fees unless we secure compensation for you.
Comprehensive Case Development: We collaborate with medical experts, economists, and other professionals to fully document and prove all your damages.

Beck Law Office Advantage

Why You Need Experienced Legal Representation

Maximizing Your Compensation

Insurance companies are profit-driven businesses that aim to pay as little as possible for claims. Without experienced legal representation, you may:

Accept settlements far below the true value of your case
Miss important categories of damages you're entitled to recover
Fail to document and prove your losses
Face tactics designed to minimize or deny your claim

Complex Legal and Medical Issues

Personal injury cases involve complex interactions between:

Medical evidence and expert testimony about your injuries
Economic calculations of current and future losses
Legal standards for proving negligence and damages
Insurance policies and coverage issues
Colorado law governing damage calculations and caps

Your Questions About Insurance and Injury Claims, Answered

Who pays for my medical bills after an accident in Colorado?

Several sources may cover your medical expenses: your health insurance can pay immediately while your claim is pending; Med Pay coverage pays regardless of fault; the at-fault driver’s liability insurance should ultimately cover your bills; and if the other driver is uninsured, your UM coverage may apply. We help coordinate these coverages to ensure your bills are paid and maximize your recovery.

Can I use my own health insurance for accident-related medical care?

Yes, and you should. Using your health insurance ensures you get immediate medical care without waiting for settlement. Your health insurance may have subrogation rights (the right to be repaid from your settlement), but an experienced attorney can often negotiate these liens to maximize your final recovery.

What if I don't have health insurance?

You still have options for medical care. Some doctors and medical providers will treat personal injury patients on a lien basis, meaning they’ll wait for payment until your case settles. Med Pay coverage from your auto insurance can also pay for immediate treatment. We can help connect you with healthcare providers who understand personal injury cases.

Do I have to give a statement to the other driver's insurance company?

No, you are not required to give a recorded statement to the other driver’s insurance company, and we strongly advise against it. These statements are designed to get you to say something that can be used against you later. Let us handle all communications with insurance companies to protect your interests.

What if I had a pre-existing injury?

Pre-existing conditions don’t prevent you from recovering compensation. Under Colorado law, you can recover damages if the accident aggravated, worsened, or accelerated a pre-existing condition. Insurance companies often try to blame all your problems on pre-existing conditions, but medical evidence can show how the accident made your condition worse.

What other important information should I keep track of?

Document everything related to your accident and injuries: all medical records and bills; correspondence with insurance companies; photos of your injuries and their progression; a pain journal documenting how injuries affect your daily life; missed work time and lost wages; and out-of-pocket expenses related to your accident. This documentation helps prove the full extent of your damages.

How long do I have to file a claim with the insurance company?

Report accidents to insurance companies as soon as possible, typically within 24-48 hours. However, Colorado’s statute of limitations gives you three years to file a lawsuit for personal injury claims. Don’t let insurance companies pressure you into quick settlements by claiming artificial deadlines.

Don't Fight Insurance Companies Alone

Insurance companies have teams of adjusters, lawyers, and experts working to minimize your claim. They count on you not knowing the true value of your case or the tactics they use to reduce settlements. You need an experienced advocate who knows their playbook and can fight back effectively.

Every day you wait gives insurance companies more time to build their case against you. They’re already investigating, gathering evidence, and developing strategies to minimize your compensation. The sooner you get experienced legal representation, the stronger your case becomes.

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(720) 209-1469

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We Look At The Law Differently

What Our Personal Injury Clients Say

"I am fortunate to have had Lori Beck represent me for my car accident. Everything about my case was handled professionally and I am very happy with the outcome."

Melanie Scott ⭐⭐⭐⭐⭐

"Lori helped me more than I had expected. Value definitely exceeded the dollar here."

Derick Brown ⭐⭐⭐⭐⭐

Serving Insurance Claim Clients Throughout Denver

Beck Law Office represents personal injury clients dealing with insurance companies throughout the Denver Metro Area and Colorado:

Our local knowledge of Colorado insurance regulations and court procedures gives our clients a distinct advantage in fighting insurance companies.