Denver Car Insurance Bad Faith Attorney

Everyone knows that there is a risk inherent in driving a car, and while the vast majority of the time car trips go without incident, we also know that car accidents are a fact of life. With millions of them annually across the country and right here in Colorado, there is a good chance that each of us will be involved in an accident at some time. This, of course, is why every state in the country requires that every driver carry liability insurance. In general, the function of insurance is to cover costs of some type of service as stipulated in the policy. Using car insurance as an example, when you pay your premiums keeping your policy up to date, the insurance company agrees to pay for repairs or medical bills that you incur as stipulated in the policy itself. Of course, there are different types of coverage, with different purposes and different limits. The liability insurance that is mandated here in Colorado comprises: bodily injury liability, which covers medical bills incurred by other people as a result of an accident the policy holder causes and property damage liability, which covers damage the policy holder causes to other people’s property.

There are a number of other types of auto insurance coverage, making it possible to essentially insure every aspect of the financial damage involved in a car accident, whether caused by the policy holder or not. Some of the most commonly recommended car insurance coverages are uninsured/underinsured motorist, collision, and comprehensive. With these three coverages, in addition to liability coverage, most damage to either property or people will be covered.

In any case, when you purchase auto insurance, you function on the assumption that, in case you need to file a claim, your insurance company will act in good faith. In the vast majority of cases, they do exactly that. However, it is an unfortunate reality that from time to time insurance companies act in bad faith. To make the legal concept of bad faith as simple as possible, it can be several things: entering into a contract with no intention of fulfilling it, dealing dishonestly with a contractual obligation, or just refusing to honor the terms of a contractual agreement. When a car insurance company refuses to pay a valid claim under the terms of your policy, it is acting in bad faith.

It is important to keep in mind that your insurance company has a staff of highly qualified attorneys that work exclusively with insurance issues. When an insurance company acts in bad faith, they may try to talk you into believing that they are following the policy, and sometimes consumers can be taken in by these tactics. If you feel that a car insurance company is acting in bad faith, speak with an experienced insurance bad faith attorney who can help you sort out the details. Keith Fuicelli is a Denver insurance attorney who will speak with you about your situation, and give you a FREE CONSULTATION, so that there is no risk to you in investigating your suspicion. Keith has experience fighting insurance companies on behalf of the consumer, and works on a contingency basis, meaning that you only pay him if he recovers compensation for you. For more information, and your free case evaluation, contact Keith at Fuicelli and Lee at (303)355-7202.