Insurance Coverage and Bad Faith

Fighting Against Insurance Bad Faith in Colorado

Insurance is supposed to be a safety net. Many people live with a false sense of security because they pay premiums for all types of insurance:

  • Health insurance
  • Auto insurance
  • Homeowners insurance
  • Fire and flood insurance
  • Life insurance
  • Long-term care insurance
  • Accidental injury insurance

Furthermore, most employers pay premiums for their employees’ workers’ compensation coverage. Someone who experiences an injury or loss in a car accident or a workplace accident typically expects that an insurance claim will result in pay-out of benefits as expected.

What a shock, then, when one’s own insurance company turns out to be an adversary rather than a support system as policyholders believed would be the case.

In recent years, insurance companies’ tactics designed to avoid or minimize payment of benefits have seemed to become more and more insidious:

  • They deny claims on the basis of trivial technicalities.
  • They claim that a particular type of care — such as a new type of radiation treatment — is not covered because it is “experimental.”
  • They refuse to pay for prescription drugs that are newer and not yet proven effective — but which are recommended by patients’ doctors.
  • Long-term care insurers deny that clients are disabled as they claim.
  • They refuse to pay full value of a car after a crash.
  • They deny life insurance claims by insisting that a person committed suicide, died by an “act of God,” or died in an act of war.
  • They claim that soft tissue injuries and closed head injuries are exaggerated and are actually more psychological than scientifically proven.
  • They attempt to minimize pay-out of benefits through shifty tactics involving insurance policy “stacking” and “subrogation.”

In fact, the area of insurance claims and denials, insurance coverage and insurance bad faith claims is a complex area of the law. Whether you turn to us, Coppola & Melonakis, for representation in an insurance coverage dispute or use another lawyer, we recommend that you work with a law firm with extensive experience in this area.

Often, potential clients of Coppola & Melonakis do not hear what they were hoping to hear at their free initial consultation — yet they go grateful for the free advice and honest answers that we provide.

For Legal Advice on Insurance Coverage or Insurance Bad Faith, Contact a Skilled Attorney

Whether you need advice before making a claim for insurance benefits or your insurance company has denied coverage, our attorneys welcome the opportunity to listen and advise you. If your insurer acted in bad faith, you may have legal recourse that goes beyond restitution. Your insurer may have to pay your legal fees and additional penalties.

Contact our law office to schedule a free initial consultation with an insurance law attorney. We handle plaintiffs’ cases on a contingency fee basis. We don’t collect attorney fees unless we obtain monetary compensation for you.