Superior Insurance Bad Faith Lawyers

Bad faith can occur when an insurer fails to handle your claim fairly and promptly. Colorado law requires insurers to evaluate first-party claims (claims you make on your own policy) reasonably and in good faith. Bad faith includes denying a valid claim without proper investigation, delaying payment unreasonably, ignoring evidence in your favor, or offering less than the policy allows without clear justification. We examine the policy language, the insurer's investigation notes, how long they took to respond, what communications they sent you, and whether their stated reason for denial or delay is supported by the facts.

Insurance deadlines depend on your specific policy, the type of benefit you claimed, and the legal claims available. Colorado law sets different timeframes for different types of insurance disputes. You must preserve your original insurance policy and create a complete timeline of your claim from the date you submitted it through all communications, denials, and delays. To protect your rights, contact us promptly so we can review your policy, your claim file, and the insurer's conduct and give you a deadline specific to your situation.

Unreasonable delay in investigating or paying a valid claim can be bad faith even if the insurer eventually pays. We look at how long the insurer took to respond, whether they conducted a reasonable investigation, how often they contacted you or requested information, and whether they held the file without activity. If you claimed an uninsured or underinsured motorist benefit after an accident on U.S. Highway 36 or another local road, delays in investigation, reserve evaluation, or payment can harm you while your medical bills accumulate. The timeline of your correspondence with the insurer and their internal notes are key evidence of whether the delay was reasonable.

McCormick & Murphy handles insurance bad faith claims on a contingency fee basis. That means the firm earns an attorney fee only if your case is settled or won in court. You pay no fee out of your own pocket unless we recover money for you. Costs advanced by the firm—such as court filing fees, expert reports, and discovery expenses—are separate from the attorney fee and are typically recovered from any settlement or judgment.

You need to show six elements: (1) you had a valid insurance policy; (2) you submitted a proper claim under that policy; (3) the insurer investigated or should have investigated your claim; (4) the insurer denied the claim or delayed unreasonably without a valid reason; (5) the denial or delay was unreasonable given the policy language and the facts; and (6) you suffered damages as a result. This means gathering your policy, proof of claim submission, the insurer's correspondence and internal notes (from discovery), evidence they did not investigate thoroughly, the dates of delays or denials, and documentation of your losses—medical bills, lost wages, or interest on late payments. If you were injured in an accident in Superior or nearby areas like Louisville or Broomfield, we also analyze accident reports and medical records from AdventHealth Avista in Louisville or other providers.