Auto Accident Lawyer Littleton

You were hit. Maybe you were stopped at a red light on Santa Fe. Maybe someone ran the stop sign at Prince and Broadway. Maybe you were just driving home on Bowles Avenue when someone crossed the center line.

Now you’re sitting in your living room with an ice pack, a stack of medical bills, and a missed call from an insurance adjuster who says they just want to help you get this resolved quickly.

That adjuster is not your friend. They work for the insurance company. Their job is to pay you as little as possible, as quickly as possible, before you understand what your case is actually worth.

You need someone who knows what your case is worth. Someone who has seen exactly what you’re going through and knows how to fight back.

That’s what we do. Kirk McCormick and Jay Murphy have been handling car accident cases in Littleton and across the Denver metro for years. We know how insurance companies operate. We know the tactics they use. And we know how to make sure you get every dollar you deserve.

The First 72 Hours After Your Accident Matter More Than You Think

The insurance company is already working. Their adjuster called you within hours. They’re reviewing the police report. They’re looking for reasons to reduce or deny your claim.

You need to protect yourself right now. Here’s what that looks like:

Get medical attention immediately. Even if you feel fine. Adrenaline masks pain. Some injuries—whiplash, concussions, internal injuries—don’t show symptoms for hours or days. If you wait to see a doctor, the insurance company will argue you weren’t really hurt.

Document everything. Take photos of your injuries. Take photos of the damage to your car. Write down what happened while it’s fresh in your mind. Get names and contact information from witnesses. Save every medical bill, every receipt, every email.

Do not give a recorded statement to any insurance company. Not theirs. Not yours. Not yet. They will ask you questions designed to get you to minimize your injuries or accept partial blame. Every word you say will be used to reduce what they pay you. You are not required to give a recorded statement before talking to an attorney.

Do not sign anything. The insurance company may send you forms. They may say you need to sign a medical release so they can process your claim faster. What you’re actually signing is permission for them to dig through your entire medical history looking for pre-existing conditions they can use against you.

Call us. The consultation is free. The call takes fifteen minutes. We will tell you exactly what your rights are, what your case is worth, and what the insurance company is going to try to do next.

How Fault Is Determined in Littleton Car Accidents

Colorado is a fault-based state. That means the person who caused the accident is responsible for the damages. But determining fault is not always simple.

The insurance company will review the police report, interview drivers and witnesses, look at photos of the damage, and sometimes hire accident reconstruction experts. They will look for any reason to shift blame onto you.

Why? Because Colorado uses a modified comparative negligence rule. If you are found to be more than 50% at fault, you cannot recover anything. If you are found to be partially at fault—say, 20%—your recovery is reduced by that percentage.

So if your case is worth $100,000 and the insurance company can convince someone you were 20% at fault because you were going five miles over the speed limit, they just saved themselves $20,000.

This is where the adjuster will focus. They will ask you if you were distracted. If you were looking at your phone. If you had been drinking. If you were tired. They will take your words and twist them into admissions of fault.

We do not let that happen. We gather the evidence. We interview witnesses. We work with accident reconstruction experts when necessary. We build the case that shows exactly what happened and who is responsible.

What Damages You Can Actually Recover

The insurance adjuster will offer you a number. It will sound reasonable. It might even sound generous. It will cover your medical bills so far. Maybe a little extra for your trouble.

What it will not cover is everything you are actually entitled to under Colorado law.

You can recover compensation for:

• All medical expenses—not just the bills you have now, but future medical care, physical therapy, surgery, medications, medical equipment, anything your injuries require.
• Lost wages—every hour of work you missed because of the accident or medical appointments. If your injuries prevent you from returning to your job, you can recover the income you will lose in the future.
• Property damage—repair or replacement of your vehicle and anything else that was damaged in the crash.
• Pain and suffering—the physical pain, emotional distress, anxiety, and reduced quality of life caused by your injuries.
• Loss of enjoyment of life—if your injuries prevent you from participating in activities you used to enjoy, you can be compensated for that loss.
• Scarring and disfigurement—permanent physical changes caused by the accident.

The adjuster’s first offer will not include most of these. They are counting on you not knowing what you are entitled to.

We know. We have handled hundreds of car accident cases in Littleton and across the Denver metro. We know what your case is worth. And we will not settle for less.

Why Your Own Insurance Company Can Become Your Opponent

You pay your insurance premiums every month. You have been a loyal customer for years. You expect them to be on your side.

They are not.

If you have uninsured motorist coverage or underinsured motorist coverage—and you absolutely should—you may need to file a claim against your own insurance company if the at-fault driver has no insurance or not enough insurance to cover your damages.

When that happens, your own insurance company becomes the opponent. They will use the same tactics the other driver’s insurance company uses. They will minimize your injuries. They will dig through your medical records. They will lowball your claim.

This surprises people. But it makes perfect sense when you remember that every dollar they pay you is a dollar out of their pocket.

We deal with your insurance company so you do not have to. We handle the negotiations. We fight for the full value of your uninsured or underinsured motorist coverage. We do not let them take advantage of you just because you happen to be their customer.

What Happens When the Other Driver Has No Insurance

Colorado requires drivers to carry liability insurance. A lot of drivers do not.

If you were hit by an uninsured driver, you can still recover compensation—if you have uninsured motorist coverage on your own policy.

This is coverage you pay for. It protects you when someone who should not have been on the road hits you and has no way to pay for the harm they caused.

But your insurance company will not make it easy. They will require you to prove the other driver was at fault. They will require you to prove your injuries. They will offer you a fraction of what your claim is worth and hope you take it because you do not know any better.

We make sure you get what you paid for. We file the uninsured motorist claim. We gather the evidence. We negotiate with your own insurance company and force them to honor the policy you have been paying for.

Never Accept the First Settlement Offer

The insurance adjuster will call you. They will sound friendly. They will say they want to resolve this quickly so you can move on with your life. They will make an offer.

It will be too low.

The first offer is always too low. It is a negotiating tactic. The adjuster is betting you do not know what your case is worth. They are betting you need the money and will take whatever they offer just to get it over with.

Once you accept, you sign a release. You give up your right to come back later if your injuries turn out to be worse than you thought. You give up your right to seek additional compensation if you need surgery or long-term physical therapy.

You cannot undo that release. What you settle for is what you get. Forever.

Before you accept any offer, talk to us. We will review the offer. We will tell you what your case is actually worth. We will tell you what the insurance company is leaving out.

Then you can make an informed decision. Not a decision based on fear or pressure or not knowing what your options are.

How Pre-Existing Conditions Are Used Against You

You had back pain before the accident. You saw a chiropractor a few years ago. You were in another accident ten years ago.

The insurance company will find out. They will request your medical records. And they will argue that your current injuries are not from this accident—they are just a flare-up of an old problem.

This is one of the most common tactics insurance companies use to deny or reduce claims. And it works, because most people do not know how to fight it.

Here is the truth: you are entitled to compensation if the accident made your condition worse. If you had occasional back pain before and now you cannot get out of bed, the accident caused new harm. You deserve to be compensated for that new harm.

We work with your doctors. We get detailed medical opinions that separate the pre-existing condition from the new injuries caused by this accident. We build the case that shows exactly how the crash changed your life.

The insurance company cannot dismiss your claim just because you were not in perfect health before the accident. We make sure they do not try.

Why You Should Not Try to Handle This Yourself

You do not know what your case is worth. You do not know what the insurance company is required to pay. You do not know which questions to answer and which ones to refuse. You do not know how to fight back when they twist your words or deny your claim.

The insurance company knows you do not know. That is why they want to settle with you directly. That is why they called you so quickly. That is why they sound so friendly and helpful.

Once you hire an attorney, they cannot talk to you anymore. They have to talk to us. And when they talk to us, they cannot use the same tactics they use on unrepresented claimants.

They cannot ask you for a recorded statement. They cannot trick you into admitting fault. They cannot pressure you into accepting a lowball offer before you understand what your injuries will cost you in the long run.

We level the playing field. We handle every conversation with the insurance company. We review every document they send. We calculate the true value of your claim based on your actual medical expenses, lost wages, future care needs, and pain and suffering.

Then we demand it. And if they refuse, we file a lawsuit and take them to court.

What to Expect When You Call McCormick & Murphy

The call is free. The consultation is free. You are not signing anything. You are not committing to anything. You are getting information you need to make the right decision for yourself and your family.

We will ask you what happened. We will ask about your injuries. We will ask what the insurance company has said to you so far.

Then we will tell you what your case is worth. We will tell you what the insurance company is going to do next. We will tell you what your options are.

If you decide to hire us, we handle everything. We gather the medical records. We talk to the insurance company. We negotiate the settlement. We file the lawsuit if we need to.

You focus on recovering. We focus on getting you every dollar you deserve.

We work on contingency. That means we do not get paid unless you get paid. No upfront fees. No hourly bills. If we do not win your case, you owe us nothing.

We represent clients in Littleton, Highlands Ranch, Centennial, Englewood, Lone Tree, Castle Rock, and throughout the Denver metro area. We know the local courts. We know the judges. We know the insurance companies and their lawyers.

We know how to win.

You Have Rights the Insurance Company Hopes You Do Not Know About

The insurance adjuster will tell you that you do not need an attorney. They will say hiring a lawyer will just slow things down. They will say they are offering you a fair settlement and there is no reason to complicate things.

They are lying.

You have the right to be fully compensated for every injury, every dollar of lost income, every medical bill, and every bit of pain and suffering this accident has caused.

You have the right to refuse to give a recorded statement until you have talked to an attorney.

You have the right to refuse to sign a medical release that gives the insurance company access to your entire medical history.

You have the right to take your time, understand your injuries, and make sure you are not settling your case before you know the full extent of the harm.

You have the right to hire an attorney who will fight for you instead of trying to handle this on your own against a billion-dollar insurance company that does this every single day.

The insurance company hopes you do not know any of this. Now you do.

Call Us Before You Talk to the Insurance Company Again

You have been in an accident. You are hurt. The insurance adjuster keeps calling. You do not know what to say. You do not know what your case is worth. You do not know if this is even worth pursuing.

It is. And we can help.

Kirk McCormick and Jay Murphy have handled hundreds of car accident cases in Littleton and across the Denver metro. We know how insurance companies operate. We know the tactics they use to minimize or deny claims. And we know how to fight back.

The consultation is free. The call takes fifteen minutes. We will tell you what your rights are, what your case is worth, and what to do next.

Do not wait. Do not talk to the insurance adjuster again until you talk to us. Do not sign anything. Do not accept any offer.

Call McCormick & Murphy at 888-668-1182. We will take it from here.