Tactics Insurance Companies

At Galperin & Associates, we work with clients throughout Colorado who have suffered injuries due to the negligence of other drivers.

Often, those injured in car accidents can easily identify the fault of the other driver. Examples include blatant traffic violations such as speeding, running red lights, or cases where the driver was arrested for impairment at the scene of the accident.

Such clear-cut cases typically lead victims to expect that the negligent party’s insurance will adequately compensate them for their losses. They may think, “The other driver clearly broke the traffic laws by speeding or driving under the influence, so logically their insurer should cover my damages”.

While this reasoning seems straightforward, the practical reality can be quite different. Insurance companies can use a number of well-established strategies to reduce payouts or deny claims altogether.

Beware of Insurance Tactics That Compromise Car Accident Claims in Colorado

It’s important to recognise the different approaches that insurance companies can take to undermine car accident claims in Colorado. Although not all insurers engage in these practices, it is important to be prepared for such challenges when pursuing a claim on your own.


Common Insurance Company Tactics

Disputing liability insurers may try to pin some or all of the blame on you, suggesting that you were partly or wholly responsible for the accident.

Questioning Medical Treatment

Insurance companies often question the necessity and extent of your medical treatment, claiming that it was unnecessary or unrelated to the accident. They may also suggest that the injuries were pre-existing and not the result of the accident.

To counter your claims, insurers might bring in their medical experts to challenge your doctor’s assessments, downplaying the severity of your injuries. They might also seek access to your medical records in an attempt to find pre-existing conditions or injuries. It’s imperative not to release your medical records without consulting a proficient car accident lawyer in Denver, as this could jeopardize your case.

Surveillance Tactics

Some insurers go as far as hiring investigators to surveil claimants, looking for any activity that might undermine the legitimacy of their claims. It’s wise to be mindful of your activities and social media posts, as these can be misconstrued and used against you.

Recorded Statements

Exercise caution when providing recorded statements to insurance adjusters. They could use your own words to deny or diminish the value of your claim. Ideally, avoid any communication with the at-fault party’s insurer until you’ve spoken with a Denver personal injury attorney to understand your rights and protect your interests from the outset.

Delaying Claims Processing

Insurers might intentionally slow down the claims process, hoping you’ll settle for less due to frustration or financial pressures.

Lowballing Settlement Offers

It’s common for adjusters to present initial offers that are well below the true value of your claim, hoping you’ll accept out of urgency or financial necessity. Be wary of quick settlement offers that do not account for the full extent of your injuries and potential future medical costs. Accepting such an offer prematurely can close your claim, leaving any subsequent expenses for you to cover out of pocket.

Galperin & Associates

Partner with Skilled Auto Accident Attorneys

Experiencing a vehicle collision in Colorado can be overwhelming. For clarity on your situation and to explore your legal options for recovering damages, contact the experienced personal injury lawyers at Galperin & Associates in Denver. Call us at (720) 501-3451 or visit our website to arrange a no-cost, confidential consultation.

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Written and Legally Reviewed ByJacob Galperin

Jacob Galperin is a litigation attorney with an emphasis in personal injury. He has represented hundreds of injured victims and has been able to recover millions in compensation for his clients.

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