A Denver bad faith claim attorney from Manning Herington Accident & Injury Attorneys helps you spot unfair tactics and document what happened. Our 99% success rate comes from our careful preparation and persistence. Your Denver bad faith insurance attorney can review claim letters and payment history to see where an insurer went off track. If you suspect bad faith, contact us to review your file and discuss what comes next.
Simple mistakes can happen and often get fixed once you point them out. Bad faith is different: the insurer ignores clear proof or misstates your policy. We review letters and call notes with you to spot when unfair treatment becomes a legal problem that needs action. We also check timelines and payment history for red flags that suggest the claim was handled unfairly.
Stalling shows up in missed return calls and repeated document requests you already answered. A denial that never cites the policy section is another red flag. Courts look at whether the company acted reasonably, which includes how fast it gathered facts and whether it talked to key witnesses. If the file shows no real investigation, delays start to look like a tactic instead of an error.
You can use date-stamped mail and adjuster logs to map what really happened. Compare each step to the company’s own handling rules and the timelines in your policy. When the file shows long gaps and copy-and-paste denial language, that record supports a bad faith claim rather than a simple dispute over value.
Internal files matter because they capture what the adjuster saw and did. A request from a Denver personal injury lawyer for the complete claim file often brings claim notes and call recordings. It can also include reserve changes or supervisor reviews. Those entries show who made each choice and whether anyone actually looked at your photos or repair estimates.
Accident-related denials can show a recurring practice, such as “no injury with low damage” notes used again and again or scripts that steer calls away from fair payment. Call logs may show short, rushed contacts that never cover key facts. When training materials and claim notes do not match what happened in your case, it supports your position that the insurer crossed the line into bad faith.
Bad faith is not limited to one type of claim. You might see it in vehicle, home, health, or disability matters when an insurer ignores key facts or the policy language. Here are common examples to watch for:
These actions go beyond a simple mistake and can cause real costs and delays. Under Colorado Revised Statutes § 10-3-1115, an insurer may not unreasonably delay or deny payment of covered benefits. If you notice these issues, document each step and act quickly to protect your claim.
You feel it at home when your insurer drags out a claim or refuses to pay. Bills add up while due dates keep coming. You also spend extra time chasing updates instead of focusing on work or rest. At Manning Herington Accident & Injury Attorneys, we help you get direct answers and handle the next steps without added stress.
Unpaid ER bills can move to collections while you are waiting for a decision from the provider. A body shop may hold your car until the insurer approves parts, and a rental can end before repairs finish. Save estimates with EOBs in one folder and note what was promised and when.
Colorado law sets deadlines for contract actions, and Colorado Revised Statutes § 13-80-103.5 outlines those time limits. Mark the date of loss and the dates on each denial letter. If payments stall or forms go missing, your file shows the delay and helps you stay within the required window.
Home and rental policies can falter after storms or water leaks. You may see a low estimate or a partial check. In some cases, the adjuster stops responding after an inspection. Save photos from the day of the loss and keep contractor bids together so the numbers are simple to compare. Keep a simple timeline of calls and emails so you can show when follow-ups were made.
If an insurer unreasonably delays or denies benefits, Colorado Revised Statutes § 10-3-1116 allows additional remedies beyond the amount due under the policy. Document phone calls and keep copies of adjuster notes. Track every expense you covered yourself. The stronger your paper trail, the easier it is to show what the delay costs you.
Questions about bad faith come up fast during a claim. These answers show how to protect your rights in Colorado and keep your file organized. Use this FAQ to learn more about what to ask and what to keep as your claim moves forward.
No. The company can suggest a shop or a clinic, but you decide. If an independent medical exam is scheduled, go to the appointment and bring your records. Write down the examiner’s name and the time. Ask for a copy of the report. For repairs, ask for your own written estimate and save photos of the damage. Send both items to the adjuster so the difference is on the record.
It signals the insurer is reviewing coverage while continuing to process the claim. It does not end your claim or excuse slow handling. Reply with any missing documents and ask the adjuster to list the exact policy sections at issue. Keep the envelope and the date on the letter. Follow up in writing so your file shows a clear timeline of your responses.
Check your policy. A recorded statement is often requested, but you can ask for the questions ahead of time and keep your answers limited to what you know. An examination under oath may be required by the contract. Get the date in writing and ask for a copy of the transcript afterward. Save every email about these requests in the same folder as your claim notes.
Statutory bad faith can allow two times the covered benefit plus reasonable attorney fees and court costs. Common law bad faith may also allow additional losses tied to the handling of the claim, based on the facts. Keep bills and receipts. Add proof of missed work so the dollars at stake are easy to see and calculate.
No. Appraisal is a contract tool used to address value disputes. It does not excuse unreasonable delays or misstatements of coverage. It also does not excuse gaps in the investigation. If the company invokes appraisal, meet the deadlines and choose a qualified appraiser. Keep all communication in writing. Your documents should show you cooperated while still challenging any unfair conduct.
If your insurer keeps delaying or making excuses, you deserve someone who listens to your side and explains what’s really going on. Your bad faith claim attorney in Denver at Manning Herington Accident & Injury Attorneys will step in to deal with the company so you are not stuck chasing answers. When you contact us, we can review your file together and talk through your potential next steps.
