Personal Injury Lawyer Westminster

You didn’t plan to be here. You didn’t expect someone else’s carelessness to leave you injured, unable to work, or sitting across from an insurance adjuster who seems more interested in closing your file than hearing what happened to you.

The bills are adding up. Your body isn’t healing as fast as you hoped. And now you’re trying to figure out whether what happened to you even counts as a case — whether you have the right to ask for more than the lowball settlement the insurance company just offered.

You do. And you don’t have to figure this out alone.

McCormick & Murphy, P.C. has spent years helping Westminster residents turn the worst moments of their lives into resolved claims, fair settlements, and a path forward. We know what you’re up against because we’ve seen it before — the delays, the denials, the pressure to accept less than you need. And we know how to push back.

What Counts as a Personal Injury Case in Westminster

If someone else’s negligence caused you harm, that’s a personal injury claim. It doesn’t have to be dramatic. It doesn’t have to make the news. It just has to be true.

Car accidents on U.S. 36 or Sheridan Boulevard. Slip and falls at local businesses. Dog bites in neighborhood parks. Pedestrian accidents on busy Westminster streets. Injuries from defective products. Medical mistakes that made things worse instead of better.

These cases share a common thread: someone owed you a duty of care, they failed to meet it, and you got hurt as a result. That failure — that negligence — is what opens the door to compensation.

But here’s what the insurance company won’t tell you: even if you think you’re partially to blame, you may still have a case. Colorado follows a modified comparative negligence rule, which means you can recover damages as long as you’re not more than 50 percent at fault. Your settlement will be reduced by your percentage of fault, but it doesn’t disappear entirely.

Why Westminster Cases Require Local Knowledge

Westminster sits at the intersection of multiple jurisdictions — touching Denver, Broomfield, Adams County, and Jefferson County. That geography matters when you’re building a personal injury case.

Different courts. Different timelines. Different local ordinances that might affect liability. A law firm that doesn’t know the area might miss the details that make or break your claim.

We work throughout the Denver metro area, including Westminster, Arvada, Thornton, Northglenn, Commerce City, and beyond. We know the roads where accidents happen most often. We know the hospitals where you’re likely being treated. We know the insurance adjusters who handle claims in this area and the tactics they use to minimize payouts.

That local knowledge isn’t just background. It’s leverage.

What You Can Recover in a Westminster Personal Injury Claim

The insurance company’s first offer is almost never their best offer. And it’s rarely enough to cover what you’re actually facing.

When we evaluate your case, we’re looking at the full picture of your damages — not just what’s already happened, but what’s still coming.

Medical expenses — every bill from the ambulance ride to surgery to physical therapy. Past treatment and future care if your injuries require ongoing medical attention.

Lost wages — the paychecks you’ve already missed and the income you’ll lose if you can’t return to work at the same capacity. If your injury affects your ability to earn a living long-term, that matters too.

Pain and suffering — the physical pain, emotional distress, and reduced quality of life that don’t come with a receipt but are no less real. Colorado law allows you to seek compensation for these non-economic damages.

Property damage — if your car, bike, or personal belongings were damaged in the accident, those costs are part of your claim.

The goal isn’t just to cover your medical bills. It’s to make you whole — to restore what was taken from you when someone else made a careless choice.

The Clock Is Ticking: Colorado’s Statute of Limitations

In Colorado, you generally have two years from the date of your injury to file a personal injury lawsuit. Miss that deadline, and your case is over before it starts — no matter how strong your claim is.

Two years might sound like a long time. It’s not.

Evidence disappears. Witnesses forget details. Surveillance footage gets deleted. The longer you wait, the harder it becomes to build a case that holds up under scrutiny.

And if you’re dealing with a government entity — say, a city vehicle was involved in your accident — the timeline is even shorter. You may have as little as 180 days to file a notice of claim.

This is why we tell every potential client the same thing: call now. Even if you’re not sure you have a case. Even if you’re still healing. Even if you think you can handle it on your own.

The initial consultation costs you nothing. But waiting too long could cost you everything.

How a Personal Injury Case Actually Works

Most people have never hired a lawyer before. The process feels intimidating because it’s unfamiliar. Here’s what actually happens when you work with us.

We investigate your case. We gather the evidence the insurance company hopes you won’t find — accident reports, medical records, witness statements, expert opinions. We reconstruct what happened so there’s no question who was at fault.

We calculate your damages. Not just what you’ve spent so far, but what you’re going to need. We work with medical experts, vocational specialists, and economists to build a full picture of your losses.

We negotiate with the insurance company. This is where most cases resolve. The insurer knows we’re prepared to go to trial, which changes the math on what they’re willing to offer. We push for a settlement that reflects the true value of your claim.

We file a lawsuit if necessary. Some cases don’t settle. When that happens, we take the fight to court. We handle the legal paperwork, the discovery process, the depositions — everything that stands between you and a jury verdict.

We keep you informed. You’re not a case number. You’re a person whose life got turned upside down. We explain what’s happening at every stage, answer your questions, and make sure you understand your options before any decision gets made.

What the Insurance Company Is Really Doing

The insurance adjuster who called you after your accident probably sounded friendly. Concerned, even. They asked how you were feeling. They said they wanted to help.

Here’s what they didn’t say: their job is to pay you as little as possible.

Every dollar they save on your claim is a dollar that stays in their company’s pocket. They are not your advocate. They are not on your side. And the strategies they use are designed to undermine your case before you even realize you have one.

They’ll ask for a recorded statement and use your words against you later. They’ll offer a quick settlement before you know the full extent of your injuries. They’ll claim your injuries were pre-existing or that you waited too long to see a doctor.

They’ll tell you that you don’t need a lawyer — that hiring one will just slow things down and eat into your settlement with legal fees.

That last part is especially misleading. We work on a contingency fee basis, which means you pay nothing upfront and nothing out of pocket. We only get paid if we win your case. And study after study shows that injury victims who hire lawyers recover significantly more money than those who go it alone — even after legal fees are deducted.

The insurance company knows this. That’s why they don’t want you to call us.

You Don’t Pay Unless We Win

One of the biggest reasons people hesitate to hire a personal injury lawyer is cost. You’re already drowning in medical bills. You’re missing work. The last thing you need is another expense you can’t afford.

We get it. That’s why we don’t charge you a dime unless we recover compensation for you.

No upfront retainer. No hourly billing. No surprise invoices. If we take your case, we cover the costs of investigation, expert witnesses, court filings — all of it. We only get paid when you do, and our fee comes as a percentage of your settlement or verdict.

That means we have every incentive to maximize your recovery. Your success is our success. We don’t win unless you win.

This also means we’re selective about the cases we take. We can’t help everyone. But if we believe in your case, we’ll fight for it like it’s our own.

What to Do Right Now

If you were just injured, there are steps you can take today to protect your rights and strengthen your case.

Get medical attention immediately. Even if you feel okay. Even if the pain seems minor. Some injuries don’t show symptoms right away, and a gap in treatment gives the insurance company ammunition to claim you weren’t really hurt.

Document everything. Take photos of the accident scene, your injuries, and any property damage. Get the names and contact information of witnesses. Write down what you remember while it’s still fresh.

Don’t give a recorded statement to the insurance company. You’re required to report the accident, but you’re not required to answer detailed questions without a lawyer present. Politely decline and call us first.

Don’t sign anything. No medical releases. No settlement agreements. No waivers. Once you sign, you may give up your right to pursue additional compensation — even if your injuries turn out to be worse than you thought.

Keep records of everything. Medical bills, repair estimates, pay stubs showing lost wages, receipts for out-of-pocket expenses. This documentation becomes the foundation of your damages claim.

Call a personal injury lawyer. The sooner we get involved, the more we can do to protect your claim. Evidence is fresh. Witnesses are available. And the insurance company knows you’re serious.

Why McCormick & Murphy

Kirk McCormick and Jay Murphy built this firm on a simple principle: injury victims deserve lawyers who will fight for them, not just process them.

We’re not a high-volume operation churning through cases as fast as possible. We take the time to understand what happened to you, what you’re facing, and what you need to move forward.

We’ve represented clients throughout the Denver metro area — from Westminster to Aurora, Lakewood to Thornton, Boulder to Castle Rock. We know Colorado personal injury law inside and out. We know the local courts. And we know how to build cases that win.

But more than that, we know what it’s like to be on your side of the table — to feel like the system is stacked against you and no one is listening. We listen. And then we go to work.

Your Rights Don’t Expire Just Because the Insurance Company Says So

You have two years under Colorado law to file a personal injury lawsuit. But the insurance company will do everything in its power to make you think your window is smaller — or already closed.

They’ll pressure you to settle quickly. They’ll imply that if you don’t accept their offer now, you’ll get nothing later. They’ll suggest that hiring a lawyer will just drag things out and cost you money.

None of that is true.

You have time to make an informed decision. You have the right to consult with a lawyer before you sign anything. And you have the right to pursue full and fair compensation for your injuries — not just whatever the insurance company feels like offering.

Don’t let them bully you into a bad deal. Don’t let them convince you that what happened to you doesn’t matter.

It matters. You matter. And you have options.

Call Us Today

You don’t need to have all the answers. You don’t need to know whether you have a case or what it’s worth or how the legal process works.

You just need to pick up the phone.

McCormick & Murphy, P.C. is here to help Westminster residents who’ve been injured through no fault of their own. We offer free consultations, and we don’t charge you a penny unless we recover compensation on your behalf.

Call us at 888-668-1182 or visit our website to get started. The sooner you reach out, the sooner we can start fighting for the settlement you deserve.

Your injury happened. You can’t change that. But you can change what happens next.