Westminster Insurance Bad Faith Lawyers

Colorado law requires insurers to investigate first-party claims fairly and promptly and to deny coverage only with a reasonable basis. Bad faith can occur when an insurer delays or denies a claim unreasonably—for example, by ignoring medical evidence, failing to investigate, misrepresenting policy language, or applying a denial reason not supported by the facts. A simple disagreement over coverage can become bad faith if the insurer's conduct was dishonest or reckless. We review the full claim file, policy language, and the insurer's stated reasons to determine whether the handling crossed that line.

Deadlines for bad faith claims depend on the type of benefit involved—first-party medical or disability benefits, uninsured/underinsured motorist coverage, or property claims—and may be shortened by your policy or the claim circumstances. Colorado generally allows a reasonable time to file suit after the claim is denied or unreasonably delayed, but the exact deadline varies. Do not delay. Preserve your complete policy and claim timeline immediately and contact our office for a case-specific review of your deadline.

UM/UIM coverage protects you if you are injured by a driver without adequate liability insurance. Your own insurer must evaluate your bodily injury claim fairly, the same as any first-party claim. Bad faith can occur if your insurer denies UM/UIM benefits without proper investigation, delays unreasonably while you wait for relief, or misapplies policy limits. These claims are common after collisions on Westminster roads including U.S. Highway 36 and Federal Boulevard. We analyze the policy limits, your damages, and whether the insurer's handling was fair.

McCormick & Murphy handles insurance bad faith claims on a contingency fee basis. You pay no attorney fee unless the case is settled or won. Advanced case costs—such as expert fees, court filings, and discovery costs—are separate from the attorney fee and will be discussed with you. We can often recover costs from the settlement or judgment.

Request your complete claim file, including the policy, all correspondence, recorded statements, the adjuster's claim notes, reserve amounts, supervisory reviews, coverage evaluation letters, and the basis for any denial. You may also request internal communications and investigative reports. These materials, obtained through formal discovery during litigation, often reveal whether the insurer investigated fairly or acted unreasonably. Bring what you have now—policy, denial letter, payment records, and timeline—and we will guide discovery to uncover the insurer's full handling record.