Making an Insurance Claim in Colorado

Making an Insurance Claim in Colorado

Insurance companies owe you a duty of good faith


Insurance attorneys in Colorado know that insurance companies must act in good faith from the beginning to the end of the claim. This goes for insurance claims for car accidents, bicycle accidents, pedestrian accidents, home property claims (due to fires, floods, hail, winds or other damage), business property (due to fires, floods, hail, winds or other damage).

It is important to speak to an insurance lawyer when you get hurt in an accident or lose property because of an accident. An insurance attorney will guide you through the process of making a claim and make sure the insurance company follows the rules.

In most cases, you paid for your insurance policy. The insurance policy and Colorado law tells the insurance company how to handle your claim.  But insurance policies and the law are not written for regular people. They are difficult to read and understand. Unfortunately, the policy language, law and the system overall is complicated enough to require using a lawyer from the start.

An insurance attorney will help you analyze your policy for applicable coverage, talk to the insurance company about the damage, make sure the insurance company is using unbiased experts, provide the insurance company with the information it needs to pay the claim.

In Colorado, the Division of Insurance oversees the insurance industry.  There you can find the rules that the insurance companies have to follow.  Consumers can also make complaints through the Division of Insurance.

Insurance Company’s Basic Responsibilities in Colorado

  • Obtain the information it needs to evaluate the claim
  • Evaluate the claim in an unbiased manner
  • Hire experts where needed to help analyze the claim and determine damages
  • Act fairly at all times
  • Follow the policy language
  • Evaluate the claim promptly
  • Pay the claim promptly

Talk to a an insurance attorney before you call the insurance company.  The insurance company is prepared for your call with sets of questions prepared by its attorneys. While they should be asking objective questions, often their goal is to reduce the amount the insurance company pays out. Some insurance companies incentivize this coduct through bonuses. You should know what you are required to tell the insurance company and what it is required to do for you.

Should I give a recorded statement to the insurance company for the person that hit me?


  • personal injury claims
  • car insurance claims
  • car accident claims
  • underinsured motorist vehicle claims
  • uninsured motorist vehicle claims
  • home insurance claims
  • pedestrian accident claims
  • bicycle accident claims
  • motorcycle accident claims
  • truck accident claims


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