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Liberty Mutual Injury Claim

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Liberty Mutual Injury Claim

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Is an insurance company denying your claim? Don’t know where to turn to? Our Colorado Springs insurance claims attorneys make sure you’re not bullied by the insurance companies.

Certainly, insurance companies are justified in not paying out on an insurance claim—sometimes. But, how do you know for sure when it’s justified? That’s why you need an attorney with insurance claims experience on your side. We know the rules and we know when the insurance companies are breaking them.

Save yourself the frustration and wasted time of trying to fight an insurance claim on your own. Give us a call at Springs Law Group. We’re ready to help. Your first consultation is free of charge and strictly confidential.

What Is an Insurance Claim?

An insurance claim begins when you file a formal request with your insurance company asking for payment. The payment amount is based upon your previous agreement with the insurance company. The insurance company checks out your claim and either denies or approves the payment. If approved, the company will pay your claim.

How Often Are Insurance Claims Denied?

You might be surprised how often insurance claims are denied. The following statistics show the frequency of such denials:

  • According to AARP, 200 million health insurance claims are denied each year.
  • Insurance companies that cover home and auto deny around three percent of claims each year.
  • Workers’ compensation and life insurance claims are also denied on an alarming basis.

In addition, insurance companies might not deny your claim outright, instead offering pennies on the dollar of the value of your claim.

Why Insurance Claims Might Be Denied

A profitable insurance company makes money by collecting premiums, not by paying out all the claims it receives. Therefore, insurers will use any reason they can find to deny a claim. For instance, let’s assume you are injured in a wreck caused by another driver. The other driver’s insurance company will often do everything in its power to prevent or reduce the size of a payout. Even a small detail can prevent you from getting the payout you deserve.

The following are some examples of how an insurance company might deny or reduce payment on a claim:

Questioning Liability

If you are injured and seeking a claim from the responsible party’s insurance company, you have to prove negligence. In other words, you have to prove that another person or company was negligent in some way that led to your injury and accident.

How liability is denied depends on the type of accident in question. If you are injured at work, the insurance company might try to claim you knew the risk of your job and took on the risk. This takes the negligence away from your employer, and puts it on you. You might also be accused of doing something to cause your accident or to make it worse by not seeking care soon enough.

Minimizing Your Injuries

Another common tactic insurance companies employ is to minimize your injuries. They do this by seeking out evidence that shows your injury or accident wasn’t as severe as you claim, or that part of it was caused by a pre-existing condition or a subsequent, unrelated incident. They may even go to the trouble of hiring a medical doctor to attest to this fact.

Demanding More Evidence

Insurance companies demand that you prove your case with certain evidence. If you are unable to do so, they sometimes will deny or minimize your claim because of “lack of evidence.”

Evidence can include documentation from a physician proving that your injury came from the accident as you claim. A police report is also very important after a car accident. Without one, an insurance company can question who was at fault for the accident. Keep the following items together as evidence of your injury and accident:

  • Photographs of injuries or damage to your car or home.
  • Records of your lost wages.
  • Medical records showing treatment.
  • Medical bills showing amounts charged for treatment.

Remember, the more evidence you have on your injury, the easier it will be for you to prove your case. Your case will be stronger as a result.

How Can an Attorney Help With Insurance Claims?

Ideally, an insurance company would pay out what they owe without question. However, that’s not how it works. Instead, insurance companies have adjusters, doctors, nurses, and even lawyers working on their side. Their whole goal is to get you to say the wrong thing or do the wrong thing, so they can justify not paying your claim or paying a reduced amount.

That’s why our services at Springs Law Group are crucial. We understand all the tricks insurance companies utilize, and we are ready to fight for your rights. There are two main scenarios where a lawyer would be advantageous when it comes to an insurance claim:

  • Your own insurance company denies your claim. This situation can occur, for example, if your own insurer refuses to pay for property damage when you have a homeowner’s insurance claim. Another situation might involve your auto insurer not covering you in an accident you caused, or not covering injuries caused by someone else that were supposed to be covered under uninsured/underinsured motorist or medical payments (MedPay) coverage.
  • Someone else’s insurance refuses to pay. This scenario can take place when you are injured by someone else. Either the other party’s personal insurance or his employer’s insurance would then be responsible for paying your medical bills and other damages. In many cases, the insurance company should reimburse you for lost wages, pain and suffering, and other damages as well.

When Do I Need to Contact an Attorney to Help Me With an Insurance Claim?

Time is of the essence when dealing with an insurance claim. Therefore, as soon as possible after an accident, seek the help of an attorney. At Springs Law Group, we offer free consultations. This meeting will reveal how we can help you with your insurance claim.

How Much Does it Cost to Hire an Attorney’s Help?

Attorney fees will depend largely on the type of claim. In cases involving large amounts of money, an attorney takes a portion of the damages awarded after a case is won; this is called a contingency fee. In other cases, the attorney might charge a flat fee or charge by the hour. We can discuss our fees and how we go about earning our fee when you come in for your free consultation. Keep in mind that your claim can provide you with significant compensation to replace lost wages and other damages, including pain and suffering. Therefore, your first priority should be to find out how to get the compensation you are owed.

How to Get Help Right Now

Contact Springs Law Group to learn what your options are and whether or not you have a strong case. The first consultation with one of our insurance claims lawyers in Colorado Springs costs you nothing. If you have questions about your insurance claim, call Springs Law Group today at 719.421.7141

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Top-Rated Personal Injury Firm Serving Colorado Springs & Beyond

Personal injury victims represented by a lawyer recover up to 3x more.

“I would recommend this firm and their amazing staff to anyone.”

Springs Law Group is an amazing group to work with! I got into a rough accident, and they never ceased to let me know they were there working hard to help me in my hour of need. It was always very easy to reach out to someone if I had any questions, and they were always happy to answer any questions I had.

Danielle G.
“I couldn’t have had a better experience.”

The entire team at Springs Law group has been nothing but amazing. Jake and the rest of the staff were great to work with and extremely professional. They were very attentive and answered any questions and concerns I had. I was always able to contact them and they were very responsive and communicated with me

Jane Y.
“I cannot thank him and his team enough for their support.”

Big thanks to Mr. Jake Kimbell and his team for their assistance with my case. He helped me through an incredibly challenging part of my life, and most importantly helped navigate through the convoluted legal channels of my case. I cannot thank him and his team enough for their support.

Justin S.
"If you are hesitant to retain an attorney, stop stressing it - call these guys!"

I never have a problem with getting a response when I need them – which is not the case with most other firms. They really truly care about each client. As a plus, they always have positive attitudes, which matters tremendously when you are in a stressful legal situation.

Amanda
“Springs Law Group did a great job representing me after I was rear-ended by a drunk driver.”

Springs Law Group is an amazing group to work with! I got into a rough accident, and they never ceased to let me know they were there working hard to help me in my hour of need. It was always very easy to reach out to someone if I had any questions, and they were always happy to answer any questions I had.

Denise R.
“I couldn’t have had a better experience.”

Springs Law is very friendly and professional. I always felt that they were on my side and cared about my injury and what I was going through. I highly recommend them.

Sandy

Our Process

1
Investigation
Gather evidence. Get police reports. Obtain insurance policies.
2
Treatment
You focus on healing. We help guide you through the process.
3
Medical Records
Get the records we need to make sure you have a strong case.
4
Demand Prep
Prepare and send our demands to the insurance company.
5
Negotiation
Negotiate with the insurance company for max compensation.
6
Settlement
Reach a settlement offer you agree with or we file a lawsuit.
7
Litigation
If we have to go to court, our trial lawyers get ready to win.

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Our Team

Tori Dean-Ross
Litigation Legal Assistant
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Christopher Nicolaysen
Partner
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David Hinkle
Pre-Litigation Attorney
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Julia Avellaneda
Pre-Litigation Attorney
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Amanda Mechenbier
Litigation Case Manager
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Holly Edison
Pre-Litigation Case Manager
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Ashley Stieber
Intake Coordinator
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Jenny DeVan
Pre-Litigation Paralegal
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Crystal Anderson
Liens Specialist
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Rachael Scribner
Office Administrator
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Colorado Springs Personal Injury Lawyer

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