Insurance Bad Faith Lawyer in Denver, CO
When an insurance company unreasonably delays or denies your claim, Colorado law fights back. Lionheart Injury Law holds insurers to their word: insurance bad faith claims in Denver and statewide.
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What Can You Recover in a Colorado Bad Faith Case?
The math is brutal for insurers: two times the covered benefit, plus attorney fees, on top of the benefit itself. A stalled $250,000 claim becomes a $750,000-plus problem. Theirs, not yours.
Carriers stall because stalling usually works. It stops working against a firm that prepares for trial from day one and reads adjusters' own claim diaries to juries. So far, we are undefeated, and insurers price that in.
Send us the denial, the lowball, or the silence. With us, you speak directly with your attorney, there's no fee unless we win, and the consultation below is free.
How Colorado Law Punishes Insurance Bad Faith
Two claims work together. The statute (C.R.S. § 10-3-1115 and § 10-3-1116) makes an insurer that unreasonably delays or denies a first-party benefit pay two times the covered benefit plus attorney fees. Common-law bad faith adds full tort damages for the harm the insurer's conduct caused. The combination changes the economics: the carrier that saves money by dragging out your claim suddenly faces paying triple, plus your lawyer.
What Bad Faith Looks Like in a Real Claim
We see the same playbook across Denver claims: a UM/UIM claim valued at a fraction of the medical record after an uninsured driver crash; a hit and run victim asked for a fourth recorded statement; an insurer-picked medical exam that contradicts every treating physician; months of "still under review"; a demand for documents the insurer already has; or a flat refusal to produce the policy itself. Each tactic is documented, dated, and preserved, because the insurer's own claim file becomes the star exhibit.
How We Build a Bad Faith Case
The underlying claim gets proven first (the medicine, the coverage, the value), because bad faith is measured against what the insurer should have paid. Then the conduct record: every letter, every deadline the adjuster missed, the policy-production demand and its 30-day clock, and industry-standards experts who testify to how a reasonable insurer handles claims. Litigation opens the claim file, the adjuster's notes, and the internal evaluations the carrier never expected you to read.
What Types of Damages Are Available?
The covered benefit, doubled, plus attorney fees and costs under the statute; plus economic and emotional-distress damages under common-law bad faith where the conduct caused real harm. On the underlying injury claim itself: Under HB24-1472, non-economic damages are capped at $1.5 million (2025); economic damages and physical impairment damages are uncapped, and a fatal case carries the $2,125,000 wrongful death cap.
Venue, Deadlines, and Trial
Bad faith cases are filed in Denver District Court or federal court, depending on the carrier. Deadlines: generally two years for bad faith claims, with the underlying claim on its own clock (three years for auto, two for most others). Every day of delay is evidence; we document as we go. Insurers settle bad faith cases with firms that will try them, and we will.
Talk to a Denver Insurance Bad Faith Lawyer
Free consultation, no fee unless we win. We serve Denver and all of Denver County.
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