Serving Aurora, Denver Metro & Colorado | 15+ Years of Personal Injury and Car Accident Law Experience
Denied, Delayed, or Lowballed by Your Insurer? We’ll Make It Right.
You pay premiums for peace of mind. When a serious loss happens—car crash, hail/wind roof damage, fire/water loss, or medical bills—you expect your insurer to step up.
If instead you’re getting stall tactics, lowball offers, or outright denials, you may have a bad faith (unreasonable delay/denial) claim. At The Lawrence Law Firm, we hold insurance companies to their promises for clients across Aurora, Denver, and the Front Range (Arapahoe, Adams, Jefferson, and Douglas Counties).
From day one, we gather the paper trail, force the insurer to follow Colorado law, and pursue the full benefits—and penalties—available, so you can focus on getting life back on track.
What Is Insurance “Bad Faith”? (Plain English)
Insurers in Colorado owe policyholders a duty of good faith and fair dealing. They must promptly investigate, fairly evaluate, and pay claims that are reasonably clear. Bad faith happens when a company unreasonably delays or denies benefits, or otherwise treats its own policyholder unfairly.
Two common paths:
First-party bad faith: You vs. your insurer (auto UM/UIM, MedPay, homeowners/renters, commercial property, business interruption, etc.).
Third-party bad faith: The insurer unreasonably fails to settle a claim against its insured within limits, exposing the insured to an excess judgment. (Rights can sometimes be assigned to the injured claimant.)
Colorado law gives strong remedies in first-party cases—including the potential for extra-contractual damages such as penalties and attorney’s fees when the insurer’s conduct is unreasonable. We leverage those remedies to bring carriers to the table.
Bottom line: You’re entitled to more than “process.” You’re entitled to fair payment, on time.
Red Flags: Signs Your Insurer May Be Acting in Bad Faith
If you’re seeing any of the following, it’s time to talk:
Unreasonable delay: endless document requests, “we need more time,” or rotating adjusters with no real progress.
Lowball offers that ignore clear evidence (repair estimates, medical opinions, comparable valuations).
Failure to investigate key facts (no site inspection, no expert review, no witness outreach).
Misrepresenting policy terms or exclusions; cherry-picking language to avoid coverage.
Refusing to pay undisputed amounts while “continuing to investigate” the rest.
Demanding irrelevant or duplicative records designed to wear you down.
Denying without a reasonable explanation tied to the facts and the policy.
We line these issues up against Colorado standards and the claim file itself—then push for benefits, penalties, and fees. Our Colorado bad faith attorney will analyze the case and look at all potential possibilities.
Request a Free Consultation
Speak directly with a Colorado insurance bad faith attorney about your case. We’ll review your situation, answer your legal questions, and explain your options — all at no cost and with no obligation.
Types of Claims We Handle
Auto insurance: Uninsured/Underinsured Motorist (UM/UIM), MedPay, collision/comp; diminished value after repairs; total-loss valuation disputes.
Homeowners & renters: Hail/wind roof damage (very common in Colorado), fire/smoke, burst pipes/water, theft/vandalism, additional living expenses (ALE).
Commercial property: wind/hail, fire/water, business interruption and extra expense.
Health/disability (case-by-case screening).
Bad faith after a personal injury: your own carrier dragging its feet on UM/UIM or MedPay while liability is clear.
Why Hire a Colorado Bad Faith Insurance Lawyer?
Bad faith cases are built on details and deadlines. We add value by:
Obtaining and dissecting the claim file (internal notes, emails, guidelines, reserves, evaluation tools).
Mapping policy benefits & exclusions against the facts—then forcing the carrier to follow its own rules.
Demanding undisputed payments now, while the rest is investigated.
Using Colorado’s bad faith statutes (where applicable) to seek penalties and attorney’s fees for unreasonable delay or denial.
Retaining independent experts (roofing/engineering, contents valuation, medical economics) to prove the true value of your loss.
Litigating when necessary—depositions of adjusters, supervisors, and corporate reps; motions that compel compliance.
Insurers change posture when they realize the file will be scrutinized in court. A Colorado bad faith attorney can be indispensable in these types of cases.
What Colorado Law Can Provide (Remedies)
Depending on your facts and policy type, available remedies can include:
Contract benefits owed under the policy (what should have been paid).
Penalty damages for unreasonable delay/denial in first-party claims (often described as a multiple of the covered benefit), plus
Attorney’s fees and court costs in qualifying first-party cases, and
Common-law bad faith damages, including potential exemplary (punitive) damages where the legal standard is met.
Statutory interest for money wrongfully withheld.
We tailor the strategy to maximize leverage and the net recovery to you.
Note: Exact remedies depend on claim type and facts. We’ll analyze your policy and timeline and explain options in your consultation.
Our Process (Fast, Focused, Evidence-Driven)
Free case review
We evaluate coverage, timelines, denial letters, and communications for bad faith indicators.Paper trail & claim file
We request the complete claim file, relevant guidelines, and every communication. Missing entries speak volumes.Independent evaluation
Engineers/roofers, appraisers, medical experts, accountants—whatever your claim requires to establish true value.Demand & penalty posture
We make a fact-and-law demand for benefits + penalties + fees (where applicable), and for undisputed amounts now.Litigation if needed
Depositions of adjusters/supervisors, corporate policy discovery, and motions to compel. Insurers hate sunlight.Settlement or trial
We press for the best possible resolution—with a clear plan to prove the case if they won’t be reasonable.
You pay no attorney’s fee unless we win (contingency representation for most bad faith matters).
What You Can Do Right Now (Helps Your Case)
Create a timeline: every call, letter, email, and promise the insurer made (with dates).
Save the policy (full dec pages and endorsements), denial/lowball letters, and all emails/portals texts.
Get independent estimates (roofers, contractors, medical billing summaries) to benchmark the loss.
Don’t give repeated, irrelevant authorizations. Provide what’s reasonably related to the claim—nothing more.
Ask for reasons in writing: “Please explain the basis for your decision with reference to policy language and facts.”
Call us before recorded statements or EUOs (Examinations Under Oath).
The persona injury timeline ca be complicated, but it is something a Colorado bad faith lawyer can fully advise you about.
Colorado Bad Faith Attorney FAQs
What is the difference between a simple claim dispute and bad faith?
A reasonable disagreement about scope/value isn’t automatically bad faith. Unreasonable delay/denial, failure to investigate, or misrepresenting policy terms crosses the line. We compare your file to Colorado standards.
Can I recover penalties and my attorney’s fees?
In many first-party cases with unreasonable delay/denial, Colorado law allows pursuit of penalties and attorney’s fees, in addition to the overdue benefits. We’ll assess eligibility based on your facts.
How long do I have to file?
Deadlines vary by claim type (contract vs. statutory vs. common-law bad faith). In Colorado, breach of contract claims typically have a longer limitations period than certain statutory bad faith claims. The safest step is to talk with an attorney quickly so we can preserve all timelines.
Do I have to finish repairs or treatment before I bring a bad faith claim?
No. In many cases the insurer must pay undisputed amounts now while investigating the rest. We push for partial payments and advance benefits where supported.
My roof claim was underpaid after a hailstorm—worth pursuing?
Often yes. We see improper pricing, missing code items, no O&P, and depreciation games. Independent experts and code research can shift leverage fast.
Will my premiums go up if I sue my own insurer?
Retaliation for making a legitimate claim or exercising legal rights can raise other legal issues. We’ll discuss practical implications for your policy and goals.
Why Choose The Lawrence Law Firm
Bad faith focus: We routinely handle unreasonable delay/denial cases across auto, homeowners, and commercial property.
Deep file work: We know how to read claim notes, guidelines, reserves, and evaluation tools—and how to use them in negotiations and court.
Expert network: Engineers, contractors, appraisers, medical and economic experts who know Colorado claims.
Local experience: Front Range courts, carriers, and defense firms in Aurora, Denver, Arapahoe, Adams, Jefferson, and Douglas.
Clear communication: Direct access to your attorney and proactive updates.
Results mindset: Strategy aimed at maximizing your net outcome—benefits, penalties, fees, and interest when available.
Areas We Serve
Aurora • Denver • Lakewood • Arvada • Thornton • Westminster • Centennial • Littleton • Douglas County (Castle Rock, Parker, Lone Tree, Highlands Ranch) • Arapahoe County • Adams County • Jefferson County and nearby communities.
Speak With a Colorado Bad Faith Insurance Lawyer Today
If your insurer is delaying, denying, or lowballing your claim, you don’t have to accept it. Call The Lawrence Law Firm for a free, no-pressure consultation. We’ll review your policy and claim file, explain your rights under Colorado law, and push for every dollar—and penalty—you’re owed.
Schedule a Free Consultation
Areas of Practice
Service Areas
- Denver County
- Arapahoe County
- Adams County
- Douglas County
- Jefferson County
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Contact Information
Address
2821 S. Parker Rd. Suite 865 Aurora, CO 80014
Contact
lain@coloradodefenders.com Ph: 720-369-4929
Hours
Monday-Friday: 8 am - 6 pm Weekends and Afterhours By Appointment