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Insurance Settlements vs. Personal Injury Claims

After a car accident, insurance companies are going to get involved. This is true whether there were serious injuries or not. An insurance company's main goal is to pay as little as possible or to pay nothing if it can get away with it. These companies look for loopholes and often make "low ball" settlements in order to save some money.

But a personal injury claim is different and puts the power back in the hands of the injured party. If you or someone you care about has been injured in a motor vehicle accident in Denver or the greater Denver metropolitan area, an experienced personal injury attorney at can fight for the financial compensation you deserve.

Car Accident Lawyers in Denver, Colorado

If you were involved in a car accident in Denver or the surrounding areas, the other driver's insurance company has likely contacted you or will do so soon. They may offer a settlement or attempt to deny your claim. You deserve financial compensation for your injuries in an amount that is actually fair.

No matter how small or how big your case may be, the team will keep you informed every step of the way throughout the process and they will handle every detail seamlessly to put you on the road to recovery. Our team at pride themselves on clear, honest, and open communication with each and every one of their clients.

Our attorneys at take cases on a contingency basis, which means that you pay nothing until your case has reached a favorable resolution. Let us put our years of experience to work for you and your loved ones.

Auto Insurance Claims Process

After an accident, both drivers' insurance companies are going to get involved. Even when another insurance company agrees the other driver was at fault and is willing to pay you something, the insurance claims process is designed to reduce the amount the insurance company will have to pay. Insurance companies are not looking out for you; they are looking out for themselves.

Calling the Insurance Company

As soon as they are able, both parties should call their insurance companies. This report to the insurance company puts both drivers' insurance providers on notice of the accident.

Claim Specialists

Once the claim is called in to one or both insurance companies, claims specialists will get involved. The claims specialist for the other driver's insurance company will investigate the claim with an eye for one of two things:

  • finding a loophole to get out of paying the claim, or
  • reducing the amount that will be offered as a settlement (a low-ball offer).

Claims specialists are trained and experienced in doing this. It is important to understand that even a friendly claims specialist from the other driver's insurance company has loyalty to their company, not you. They are looking after the interests of their company and their driver, not the victim.

Offers of Settlement from Insurance Companies

Insurance companies will often offer some money in the form of a settlement. This settlement amount is, supposedly, designed to compensate you for your injuries. Understand though, that if you accept a settlement, your case is over. If you later realize that this amount is far less than your actual costs, it can be too late.

These settlements are typically lower than the actual cost of your damages. Insurance companies look to save money on claims wherever they can, including on your claim.

Personal Injury Claims

A personal injury claim puts the power back in your hands. A personal injury claim is a lawsuit that seeks the amount of compensation you actually are entitled to, including for damages related to

  • medical bills,
  • rehabilitation costs,
  • pain and suffering,
  • loss of consortium, and
  • property damage.

A personal injury claim allows you to investigate the case and better prove that the other driver was at fault. The investigation will also make sure that your actual costs are actually covered, rather than a low-ball settlement offer from the insurance company.

A personal injury claim may end up in a settlement, an agreement between the parties to a certain cash value payment. It may also go to trial, where a judge or jury will decide the case. Even if the case settles, with the power in your hands, you can decide whether the settlement is fair and make sure you are not taken advantage of by a big insurance company.

Why A Lawyer Is Important

When dealing with a massive insurance company, it is crucial that you have an experienced advocate in your corner to protect your interests. The experienced team at has dealt with companies for many years and will fight to make sure that your actual expenses receive fair compensation.

Your attorney can investigate your case and find the evidence needed to prove that the other driver was at fault. Insurance companies will attempt to argue that you were at fault, or at least partly at fault, in order to pay less in a settlement. You should not have to deal with these tricks and strategies.

How Contingency Representation Works

Our firm takes cases on a "contingency" basis. What this means is simple: we don't get paid if you don't get paid. This is a major advantage for you for many reasons. One, you may already be hurting financially because of the wrongdoing of another driver. We are here to help you get compensation for that pain, and we do not get paid unless we are successful in your case.

Consult an Experienced Denver Auto Accident Lawyer

Insurance companies are not looking out for your interests. Settlement offers are not necessarily fair and are instead designed to save money. You deserve to be compensated for your actual costs, as well as for pain and suffering.

If you or a loved one has been injured in a car accident in the greater Denver metropolitan area, please do not hesitate to contact today at 303-642-8888 for a free consultation. We are here waiting for you.