Colorado Springs Insurance Bad Faith Attorneys

When you purchase an insurance policy, you expect your provider to uphold its promises and treat you fairly. In Colorado Springs, families rely on insurance to cover medical bills after accidents, repair property damage, or protect against unexpected losses. Unfortunately, insurance companies do not always act in good faith.

Bad faith occurs when an insurer deliberately delays, denies, or undervalues a valid claim. This conduct not only violates their legal duty to policyholders but also creates severe financial and emotional stress for victims already facing hardship.

At Pribila and Fields, we represent individuals and families throughout Colorado Springs who have been mistreated by insurance companies. With more than 40 years of combined experience, our attorneys understand the tactics insurers use to avoid paying claims and we know how to fight back. If you suspect your insurance company is acting in bad faith, our team is prepared to protect your rights and hold them accountable.

How Insurance Bad Faith Impacts Colorado Springs Policyholders

For many Colorado Springs residents, insurance is a lifeline during times of crisis. After a serious accident, house fire, or storm, policyholders count on their insurer to step in and provide timely financial support. When that support is wrongfully withheld, families may be left facing overwhelming bills and limited options.

Common ways bad faith harms policyholders include:

Medical care delays: Victims of car accidents or workplace injuries may be denied necessary treatment, forcing them to pay out-of-pocket.
Property damage disputes: Homeowners may wait months for repairs after fires or weather events, leaving families displaced or unsafe.
Auto accident claim denials: Insurers may argue coverage is excluded, even when policy terms say otherwise.
Lowball offers: Companies may push victims to accept settlements far below the true value of their losses.

The emotional toll is equally significant. Victims not only battle physical recovery and financial uncertainty but also the frustration of being ignored or mistreated by the very company they trusted to protect them.

Pribila and Fields is committed to restoring balance. We advocate for Colorado Springs policyholders to ensure insurers meet their obligations and provide fair compensation when families need it most.

Examples of Insurance Bad Faith Conduct

Not every mistake by an insurance company amounts to bad faith. However, when an insurer’s conduct crosses the line into unfair or deceptive practices, victims have legal rights under Colorado law.

Some of the most common forms of bad faith include:

Unreasonable delays: Failing to process claims in a timely manner.
Incomplete investigations: Ignoring available evidence or refusing to fully review damages.
Misrepresentation of coverage: Providing false or misleading explanations of policy terms.
Unjustified denials: Refusing to pay valid claims without proper cause.
Undervaluing claims: Offering settlements far below documented losses.
Failure to communicate: Avoiding calls, letters, or updates about the claim’s status.

Colorado law requires insurers to give policyholders’ interests equal consideration to their own financial interests. When they fail to do so, they may be held accountable for additional damages, including attorney fees and costs.

At Pribila and Fields, we have seen firsthand how these tactics disrupt lives. Our attorneys know the strategies insurers use, and we are dedicated to fighting for Colorado Springs families who deserve honesty, fairness, and compensation.

Colorado Laws Protecting Policyholders

Colorado law recognizes that individuals are often at a significant disadvantage when dealing with powerful insurance companies. To protect consumers, the state imposes strict duties on insurers to ensure fair treatment. These legal obligations require companies to:

Give equal consideration: Policyholders’ interests must be weighed fairly against the company’s financial interests.
Investigate promptly: Claims must be investigated in a timely and thorough manner.
Assess all damages: Insurers cannot ignore or downplay parts of a claim.
Maintain accurate records: Detailed notes and documentation must be kept during investigations.
Communicate consistently: Insurers must inform policyholders about available coverages and provide regular updates.
Pay benefits promptly: Valid claims must be paid without unreasonable delay.

When an insurer violates these duties, Colorado law provides strong remedies for victims. Under state statutes, policyholders may be entitled to two times the covered benefit, plus attorney fees and costs, if they can prove the insurer acted in bad faith. These penalties are designed not only to compensate victims but also to deter insurers from engaging in unfair practices.

At Pribila and Fields, we use these laws to hold insurers accountable. Our team carefully reviews claim files, correspondence, and company actions to identify violations. We understand that these cases are not just about money; they are about restoring fairness and protecting families from being taken advantage of during vulnerable times.

Building an Insurance Bad Faith Claim in Colorado Springs

Successfully pursuing a bad faith claim requires more than showing that your insurer made a mistake. It involves proving that the company acted unreasonably, unfairly, or dishonestly in handling your case. This can be a complex process, which is why experienced legal representation is critical.

Key elements of a strong insurance bad faith claim include:

Policy review: Examining the insurance contract to determine the coverage you were entitled to receive.
Claim records: Gathering letters, emails, call logs, and other communications with the insurer.
Investigation analysis: Assessing whether the company conducted a full and fair investigation of your damages.
Expert testimony: Using medical, financial, or industry experts to demonstrate the true value of your claim.
Pattern of behavior: Showing that the insurer’s actions were not just an error, but part of a deliberate or reckless practice.

At Pribila and Fields, we build comprehensive cases that highlight every way an insurer failed to act in good faith. Our attorneys dig deep into the details, uncover evidence of misconduct, and work to demonstrate the harm caused by those actions.

By taking this strategic approach, we give our clients the best chance at recovering full compensation. More importantly, we help level the playing field between individuals in Colorado Springs and the powerful insurance companies they face.

Types of Insurance Policies Involved in Bad Faith Claims

Insurance bad faith can occur under almost any type of policy. Whether you are protecting your home, your health, your business, or your vehicle, an insurer has a duty to handle claims honestly and fairly. At Pribila and Fields, we have represented Colorado Springs clients in disputes involving:

Auto insurance: Denials or delays related to car accidents, including uninsured/underinsured motorist coverage, vehicle repairs, and medical expenses.
Homeowner’s insurance: Wrongful denial of claims involving fire, storm damage, flooding, or theft.
Commercial insurance: Businesses facing denied liability coverage, business interruption claims, or property losses.
Health and disability insurance: Unreasonable delays or denials of coverage for medical treatment, rehabilitation, or long-term disability.
Life insurance: Disputes over beneficiary rights or wrongful denials of coverage after a family member’s passing.

Each type of policy involves different rules and claim-handling procedures. For example, auto insurance claims may involve multiple insurers and policies, while commercial coverage often requires interpreting complex contractual terms. Regardless of the policy type, the underlying issue is the same: insurers must put the interests of their policyholders on equal footing with their own profits.

At Pribila and Fields, we have the experience and resources to challenge bad faith practices across all types of policies. By holding insurers accountable, we not only secure justice for individual clients but also help deter wrongful practices that affect families and businesses throughout Colorado Springs.

How an Insurance Bad Faith Attorney Can Help

Taking on an insurance company without legal representation can feel overwhelming. Insurers have extensive resources, experienced adjusters, and legal teams devoted to protecting their bottom line. An attorney levels the playing field and ensures your rights are protected at every stage of the process.

At Pribila and Fields, our Colorado Springs insurance bad faith attorneys assist clients by:

Investigating insurer conduct: Reviewing claim files, communications, and internal practices to uncover unfair treatment.
Challenging denials and delays: Filing appeals, submitting additional evidence, and holding insurers accountable for wrongful decisions.
Negotiating fair settlements: Engaging directly with insurers to pursue compensation that fully reflects your losses.
Litigating when necessary: Preparing strong cases for court when insurers refuse to resolve claims fairly.
Protecting long-term interests: Ensuring claims account for ongoing expenses, future care needs, and all categories of damages.

An insurance bad faith claim is not just about recovering unpaid benefits; it is also about restoring balance and dignity after being mistreated by a company you trusted. Our attorneys understand both the legal complexities and the personal frustrations that come with these disputes. We are committed to fighting tirelessly for Colorado Springs families so they receive the compensation and fairness they deserve.

Serving Colorado Springs and Surrounding Areas

Pribila and Fields proudly represents insurance bad faith victims throughout Colorado Springs and the surrounding communities. We understand that unfair claim practices can affect families and businesses across El Paso County, and we are committed to making experienced legal help accessible wherever it is needed.

We serve clients in:

Colorado Springs and the greater El Paso County area.
Fountain, Cimarron Hills, and Security-Widefield.
Military communities, including Fort Carson and the U.S. Air Force Academy.
Neighboring towns, such as Monument, Manitou Springs, Palmer Lake, and Woodland Park.
The University of Colorado Colorado Springs (UCCS) community, including students, faculty, and staff facing insurance disputes.

Accessibility is a cornerstone of our practice. We offer flexible meeting options and can travel to clients when necessary, ensuring distance or injury does not prevent you from getting the help you need. Wherever you live in or around Colorado Springs, Pribila and Fields is ready to stand by your side against unfair insurance practices.

Why Choose Pribila and Fields for Insurance Bad Faith Claims

When facing off against a powerful insurance company, experience and dedication matter. At Pribila and Fields, we bring more than 40 years of combined experience in personal injury and insurance bad faith litigation. Our exclusive focus on injury and wrongful death law gives us deep insight into how insurers operate and how to hold them accountable.

Clients choose us because we prioritize clear communication and direct access to their attorneys. From the first consultation through settlement or trial, you will always know where your case stands. Our reputation in Colorado Springs is built on integrity, persistence, and results.

For families facing the stress of an insurer’s wrongful denial or delay, we provide more than legal advocacy. We provide reassurance that your rights will be protected.

Additional Personal Injury Services Offered

While our firm is dedicated to standing up for Colorado Springs policyholders in insurance bad faith claims, Pribila and Fields also represents clients across a wide range of serious personal injury cases. Each case requires careful investigation, strong advocacy, and a commitment to achieving fair compensation for victims and their families.

Our attorneys handle:

Car accidents: Representing drivers and passengers injured by negligent motorists.
Truck accidents: Pursuing claims against trucking companies and commercial carriers.
Motorcycle accidents: Advocating for riders seriously injured on Colorado roads.
Wrongful death: Supporting families who have lost loved ones due to negligence.
Catastrophic injuries: Including traumatic brain injuries, spinal cord injuries, and severe burns.
Pedestrian accidents: Protecting those struck while walking in crosswalks, intersections, or along roads.
Bicycle accidents: Representing cyclists injured by careless drivers or unsafe road conditions.
Premises liability: Claims against negligent property owners for unsafe conditions.
Slip and fall accidents: Helping victims recover damages from dangerous property hazards.

Whether your case involves a negligent driver, unsafe property, or an insurance company acting in bad faith, our attorneys have the experience and resources to pursue justice on your behalf.

Contact Pribila and Fields Today for Your Colorado Springs Insurance Bad Faith Claim

If you believe your insurance company is acting in bad faith, do not wait to seek help. The longer insurers delay, the harder it becomes to recover what you are rightfully owed. At Pribila and Fields, we are committed to holding insurance companies accountable and securing the compensation you deserve.

Call 719-888-3720 today or connect with us online to schedule a free and confidential consultation. You can also visit our Contact page to connect with our team. Let our Colorado Springs insurance bad faith attorneys put their experience to work for you and fight for the fair treatment you are entitled to under the law.

Frequently Asked Questions

How can a bad faith insurance attorney help me with my claim?

A bad faith insurance attorney can help you significantly with your claim by ensuring your rights are protected under the law. Our attorneys focus on holding insurance companies accountable when they do not act in good faith. We help by ensuring prompt and thorough investigations of claims, enforcing your right to be kept informed about your coverage and the status of your claim, and assisting in recovering benefits that insurance companies may be reluctant to pay. In cases where an insurance company has acted in bad faith, attorneys can help recover additional compensation, which might include double the benefits plus attorney fees and costs as mandated by Colorado law.

What are common examples of insurance bad faith?

Common examples of insurance bad faith include denying a claim without a reasonable basis, failing to conduct a proper investigation of the claim, delaying the processing of a claim unnecessarily, refusing to pay a claim without explaining why, and not communicating clearly or regularly with the claimant. These actions can lead to a situation where an insured individual may need to seek legal help to resolve the issue and receive the benefits owed under their policy. If you suspect your insurance company is engaging in these practices, consulting with an insurance bad faith attorney in Colorado Springs can help you determine the best course of action.

Why should I hire an insurance bad faith attorney in Colorado Springs?

Hiring an insurance bad faith attorney in Colorado Springs is beneficial because local attorneys are familiar with Colorado's specific insurance laws and court systems. They can effectively navigate local legal nuances and have likely handled similar cases in the area, increasing the likelihood of a favorable outcome for your case. Additionally, local attorneys can provide more personalized and accessible services due to their proximity.

What counts as an “unreasonable delay or denial” under Colorado’s bad faith statutes?

Colorado law prohibits insurers from unreasonably delaying or denying payment of benefits owed to a first-party claimant. A delay or denial is considered unreasonable when there is no reasonable basis for the insurer’s action. The statute clarifies who is a first-party claimant and frames what conduct can be challenged. Your records of communications, requests, and claim handling can help establish unreasonableness. If the insurer lacked a fair basis for its decision, you may have a statutory claim. The definition and remedies are set out in Colorado’s insurance code.

What extra damages can I seek if my insurer violates these rules?

If your claim was unreasonably delayed or denied, Colorado law permits you to sue for two times the covered benefit, plus reasonable attorney fees and court costs. These statutory remedies are in addition to any benefits owed under the policy. The availability of double damages creates a strong incentive for fair claim handling. Your attorney will evaluate whether conduct meets the statutory standard and document losses. Courts apply these provisions to protect policyholders from unfair practices. The remedies are detailed in Colorado’s section on unreasonable delay or denial of benefits.

Should I file a complaint with the Colorado Division of Insurance, and will that affect a lawsuit?

Filing a complaint can prompt regulatory review and may help resolve certain issues or create a paper trail of claim handling. The Division of Insurance provides a consumer portal for questions and complaints. The NAIC also offers guidance on how to file and research complaints against carriers. A regulatory complaint does not replace a private lawsuit and can be pursued alongside legal action. Your attorney can advise on timing so the complaint complements your litigation strategy. Use official channels to document concerns while your lawyer assesses statutory bad faith remedies.

What should I do if I suspect my insurance company is acting in bad faith?

If you suspect your insurance company is acting in bad faith, it's important to gather evidence of all communications and decisions related to your claim. Document everything and keep detailed records. You should also reach out to an attorney who specializes in insurance bad faith claims, as they can provide specific guidance and evaluate if your insurance company's actions constitute bad faith. Moreover, our attorney can help you understand your rights and the appropriate steps to take to protect your interests. Our experienced attorneys at Pribila & Fields, P.C. are ready to assist you in holding your insurance company accountable. Feel free to contact us for a consultation.

Additional Information in Colorado Springs

Colorado Division of Insurance - Consumer Resources: Provides useful information, tools, and tips to help Colorado consumers navigate insurance matters. It includes guides on various insurance topics, a facility to file complaints, and resources on disaster preparedness and specific health insurance rights. This section is helpful in a bad faith insurance case as it offers avenues to file complaints directly with state regulators and access detailed guides on handling disputes with insurance companies.

National Association of Insurance Commissioners - Consumer: Educational material and tools to help consumers understand insurance better, including explanations of different insurance types and claims processes. It offers resources like a glossary of terms, a life insurance policy locator, and tips for navigating insurance challenges. This site is valuable for handling bad faith insurance cases as it helps identify and address common issues with insurance providers, offers guidance on filing complaints, and provides direct links to state insurance departments for further action.

U.S. Department of Labor - Health Plans and Benefits: Detailed information about employee benefits plans regulated by the Employee Retirement Income Security Act (ERISA). This information includes explanations of participants' rights and plan administrators’ duties, essential for understanding potential issues in an insurance bad faith case related to health plans. Access to such information can help identify breaches in duty and guide legal strategies when insurers fail to act according to federal regulations governing health benefits.

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Colorado Springs Insurance Bad Faith Attorney