Auto Accident Lawyer Broomfield

The hours after a car accident in Broomfield move fast. Your phone is already ringing. The insurance adjuster sounds helpful, maybe even sympathetic. They want a statement. They want you to sign something. They tell you they’re working to resolve this quickly so you can move on.

Here is what they do not tell you: they are not on your side. They never were. And the faster they can close your claim, the less they will have to pay you.

If you were injured in a Broomfield auto accident, you have rights the insurance company does not want you to know about. McCormick & Murphy, P.C. has seen how this plays out. We know what adjusters say when they think no attorney is watching. We know what your case is actually worth before they lowball you. And we know how to protect you when your own insurance company turns into the opponent.

Call 888-668-1182. The consultation is free. The conversation is confidential. And it might be the most important call you make this year.

What Happens in the First 72 Hours After a Broomfield Car Accident

The decisions you make in the first three days after your accident will shape everything that follows. Evidence disappears. Witnesses forget details. Surveillance footage gets overwritten. And insurance companies start building their case against you before you even realize there is a case.

At the scene, exchange information with the other driver. Names, phone numbers, insurance details, vehicle registration. Take photos of the damage to all vehicles, the street, traffic signals, skid marks, debris. If there are witnesses, get their contact information. Do not apologize. Do not speculate about what happened. Do not say you feel fine if you are not sure.

Call the police. Even if the damage seems minor. Even if the other driver is apologetic and wants to handle it without involving insurance. You need that official report. It documents the scene while memories are fresh and details are accurate.

Seek medical attention immediately. Not tomorrow. Not when you see how you feel. Today. Some injuries do not announce themselves right away. Whiplash, concussions, soft tissue damage—these can take hours or even days to show symptoms. If you wait, the insurance company will argue you were not really hurt. They will say the injury must have come from something else.

Do not give a recorded statement to anyone’s insurance company. Not the other driver’s. Not even your own. Not yet. Once it is recorded, you cannot take it back. Adjusters are trained to ask questions that sound innocent but are designed to minimize your claim. They will use your own words against you later.

Why the Insurance Adjuster Is Not Your Friend

The adjuster who calls sounds reasonable. They tell you they just want to understand what happened. They say it will help speed up your claim. They might even express concern about your injuries.

This is their job. They are good at it. And their goal is to pay you as little as possible.

Insurance companies make money by collecting premiums and denying claims. Every dollar they pay you is a dollar they do not keep. The adjuster’s performance is measured by how much they save the company, not by how fairly they treat you.

They will ask leading questions. They will take statements out of context. If you say your back is “a little sore,” they will document that you reported only minor discomfort. If you say you are not sure exactly how the accident happened, they will use that uncertainty to argue you were at fault.

They will offer you a quick settlement. It will sound like a lot of money. It will come with a deadline. They will pressure you to accept before you have time to think or consult an attorney. And once you sign, you cannot go back—even if you discover later that your injuries are worse than you thought, your medical bills are higher than expected, or you cannot return to work.

This is why you need someone in your corner who knows how the game is played. McCormick & Murphy, P.C. deals with these adjusters every day. We know their tactics. We know what your case is actually worth. And we know how to make sure you get every dollar you deserve.

How Fault Is Determined in Broomfield Auto Accidents

Colorado follows a modified comparative negligence rule. That means you can recover damages as long as you are not more than 50% at fault for the accident. But here is the catch: the insurance company will do everything they can to shift as much blame onto you as possible.

If they can prove you were 20% at fault, your settlement is reduced by 20%. If they can argue you were 51% at fault, you get nothing.

They will review the police report. They will talk to witnesses. They will analyze the damage to both vehicles and try to reconstruct the collision. They will look for any evidence that you were speeding, distracted, failed to yield, or violated any traffic law.

They will also review your medical records—not just from the accident, but from years before. If you ever complained of back pain or headaches in the past, they will argue that your current injuries are pre-existing conditions unrelated to the accident. If there is any gap in your medical treatment, they will claim you must not have been seriously injured.

This is why documentation matters. Photos from the scene. The police report. Witness statements. Medical records that clearly link your injuries to the accident. A journal documenting your pain, your limitations, your missed work, and how the injuries have affected your daily life.

And this is why you need an attorney who knows how to build a case. We gather evidence the insurance company hopes you will not find. We talk to accident reconstruction experts when necessary. We know how to counter the arguments adjusters use to minimize your claim. We fight for the truth, not the version that saves the insurance company money.

What You Can Actually Recover After a Broomfield Car Accident

Most people think a car accident claim covers their medical bills and maybe the damage to their vehicle. That is only the beginning.

You can recover compensation for every medical expense related to the accident. Emergency room visits, ambulance transport, doctor appointments, physical therapy, prescription medications, medical equipment. Not just the bills you have already received, but the treatment you will need in the future. If your injuries require ongoing care, that is part of your claim.

You can recover lost wages. Not just the days you already missed, but the income you will lose if your injuries prevent you from returning to work or require you to take a lower-paying job. If you had to use sick days or vacation time because of the accident, that counts too.

You can recover damages for pain and suffering. The physical pain you have endured. The emotional distress. The loss of enjoyment of life. If you can no longer play with your kids, enjoy your hobbies, or do the activities that made your life meaningful, that has value. Colorado law recognizes that.

You can recover compensation for permanent disability or disfigurement. Scars, loss of mobility, chronic pain that will never fully heal. If the accident changed your body or your abilities, that is a loss you should not have to bear alone.

If your spouse’s injuries affected your relationship, you may have a claim for loss of consortium. If the accident resulted in a fatality, surviving family members may be entitled to wrongful death damages.

The insurance company will not volunteer any of this information. They will offer you a number that covers a fraction of your actual losses and hope you do not know any better. Do not let them. Find out what your case is really worth before you agree to anything.

When the Other Driver Has No Insurance or Not Enough Coverage

Colorado requires drivers to carry minimum liability coverage, but not everyone follows the law. And even when they do, the minimum limits are often not enough to cover serious injuries.

If the at-fault driver is uninsured, you may be able to recover damages through your own uninsured motorist coverage. If they have insurance but the limits are too low, your underinsured motorist coverage may make up the difference.

Here is the problem: now you are making a claim against your own insurance company. The company you have been paying premiums to for years. And they will fight your claim just as hard as the other driver’s insurer would.

They will argue your injuries are not as serious as you claim. They will question whether the other driver was really at fault. They will lowball your settlement and hope you accept out of frustration or financial desperation.

This is one of the hardest truths about car accident cases. Your own insurance company is not your ally. Their obligation is to their shareholders, not to you. They will protect their bottom line before they protect your interests.

You need an attorney who is not afraid to take on your own insurer. McCormick & Murphy, P.C. has done this many times. We know the policy language. We know the bad faith tactics insurers use. And we know how to hold them accountable when they refuse to honor their obligations.

Why Pre-Existing Conditions Do Not Disqualify You

Insurance companies love pre-existing conditions. If you had any back pain, neck stiffness, or headaches before the accident, they will argue that your current injuries are not the result of the collision.

This is a distortion of the law. Under the “eggshell plaintiff” rule, a defendant is liable for all injuries caused by their negligence, even if the victim was more vulnerable due to a pre-existing condition. If the accident aggravated an old injury or made a previous condition worse, the at-fault driver is still responsible.

But you have to prove it. That means clear medical documentation showing what your condition was before the accident and how the collision changed it. It means expert testimony when necessary. It means fighting back when the insurance company tries to blame your pain on something that happened years ago.

Do not let a pre-existing condition scare you away from pursuing your claim. It does not disqualify you. It just means you need an attorney who knows how to handle this defense.

The Mistake That Costs You the Most

The worst mistake you can make after a Broomfield car accident is signing something before you talk to an attorney. A release form. A medical authorization. A settlement agreement. Once you sign, it is over. You cannot undo it.

The insurance company knows this. That is why they push you to sign quickly. They tell you it is just a formality. They say it will speed up your claim. They warn you that the offer is only good for a few days.

It is all pressure designed to get you to give up your rights before you understand what they are worth.

A medical authorization gives the insurance company access to your entire medical history. They will comb through years of records looking for anything they can use against you. An old injury. A gap in treatment. A note from a doctor years ago that mentions pain or limitations. They will use it all to argue that your current injuries are not related to the accident.

A release form means you are giving up your right to pursue any further compensation, even if you later discover your injuries are worse than you thought. Even if you need surgery. Even if you cannot return to work. Even if the medical bills keep coming long after the settlement check is spent.

Do not sign anything until you have talked to an attorney. The consultation is free. The advice could save you tens of thousands of dollars.

What McCormick & Murphy, P.C. Does for Broomfield Auto Accident Victims

We handle every aspect of your claim so you can focus on healing. We investigate the accident, gather evidence, talk to witnesses, and build the strongest case possible. We deal with the insurance companies so you do not have to. We negotiate aggressively and take cases to trial when necessary.

We work on a contingency fee basis. That means you do not pay anything unless we recover compensation for you. No upfront fees. No hourly charges. No out-of-pocket costs. We take the financial risk so you do not have to.

Our offices are located at 1547 N Gaylord St UNIT 303, Denver, CO 80206, and we represent clients throughout Broomfield, Denver, Wheat Ridge, Lakewood, Arvada, Westminster, Thornton, Northglenn, Commerce City, Aurora, Englewood, Littleton, Centennial, Greenwood Village, Lone Tree, Parker, Highlands Ranch, Castle Rock, Brighton, Longmont, Boulder, Louisville, Lafayette, Superior, Erie, Golden, Morrison, Evergreen, Conifer, Bailey, Pine, Idaho Springs, Georgetown, Estes Park, Fort Collins, Loveland, and Greeley.

Kirk McCormick and Jay Murphy have spent years fighting for injured people. We know how much these cases matter. We know what is at stake. And we know how to win.

If you were hurt in a Broomfield auto accident, call 888-668-1182. The insurance company is already working on their case. It is time you started working on yours.