State Farm Auto Insurance Claims in Colorado
Car accidents can involve many unpleasant consequences, including painful injuries, an inability to work in your usual capacity, and potentially permanent disabilities. What many victims initially fail to consider among the list of potential complexities, however, is how difficult it often is to work with insurance companies. Whether you are seeking coverage under your own insurance policy or dealing with the insurer of the person who caused your injuries, negotiating with insurance companies can be frustrating and time-consuming. The Boulder car accident attorneys at Cook, Bradford & Levy can help take the stress out of the situation for you. We have handled many claims involving insurance companies, including State Farm, which insures more private automobiles in Colorado than any other insurance carrier. Colorado’s Division of Insurance estimates that State Farm has roughly 18% of the private auto insurance market share in Colorado, with the next largest carrier only having 7%. This means that the odds are high that you will be dealing with State Farm in your claim. If you have been involved in a motor vehicle accident and are dealing with State Farm in any capacity, we suggest that you reach out to the experienced Boulder State Farm claims attorneys at Cook, Bradford & Levy so that we can put our experience to work for you.Assert Your Rights Under a State Farm Policy
If you have been injured in vehicle car or truck accident, you can file a negligence claim to recover compensation for your injuries and damages. You must prove that the driver who caused your injuries failed to use proper care at the time of the crash. Perhaps they were distracted or fatigued, or perhaps they were speeding. If the at-fault driver’s insurer was State Farm, this means that you may need to negotiate with or litigate against State Farm. On the other hand, if the at-fault driver was uninsured or underinsured, and you have a policy with State Farm, you probably will need to pursue the benefits from that policy. An experienced Boulder State Farm claims attorney can help make sure your rights are protected throughout the claims process.
Even if you are a State Farm policyholder, we know from experience that this does not mean that State Farm is on your side and ready to pay out your claim promptly. Although insurance companies try to present a friendly front, they often engage in delays, lowball settlement offers, and other unfair tactics when handling a claim because they are trying to avoid paying policy benefits. (This is because their business model depends on paying out as few claims as possible.) The insurance carriers’ mentality is set forth in the powerful 2010 book Delay, Deny, Defend: Why Insurance Companies Don’t Pay Claims and What You Can Do About It, by Jay M. Feinman.
Knowing your rights when dealing with an insurance company and understanding the benefits to which you are legally entitled is a critical step toward recovering the compensation that you deserve. If an insurer like State Farm is not playing by the rules when it comes to providing policy benefits or responding to your requests for coverage information, you can bring an insurance bad faith claim against it to seek compensation. In an insurance bad faith claim, the insured seeks compensation for the insurer’s breach of the policy agreement and lack of good faith and fair dealing in administering the policy. Our experienced State Farm car accident attorneys can help Colorado residents determine whether they may have a cause of action against an insurance company, in addition to their underlying claim for damages arising from the accident.
Victims of car crashes may be able to receive compensation for pain and suffering, medical costs, property damage, lost income, and other economic and non-economic losses. However, they need to take action promptly to protect their rights. You can be sure that State Farm will have a team of investigators and attorneys working on the case from the outset, so you need to level the playing field by retaining an attorney of your own.Contact a Boulder Attorney for an Insurance Claim Involving State Farm
The last thing that you should be doing after suffering injuries in a head-on collision, drunk driving accident, or another serious accident is fighting with an insurance company. Whether you are attempting to make a claim with your own auto insurer or with the at-fault driver’s insurer, knowing your rights is critical. At Cook, Bradford & Levy, our personal injury lawyers insist that insurance companies play by the rules and honor the terms of their policy agreements. We have substantial experience negotiating with insurers, and we are willing and ready to stand up for our clients’ rights in the courtroom, if necessary. Serving people in Boulder, Louisville, Longmont, Lafayette, Erie, Superior, Denver, Thornton, Aurora, Broomfield, Lakewood, Fort Collins, Greeley, and Summit County, our attorneys offer a free consultation to discuss your situation and how we may be able to assist you. To set up your appointment, call us now at 303-543-1000 or contact us online.