If you have been hurt by the negligent actions of others, chances are, in one form or the other, insurance will come into play. Questions often arise concerning insurance and how it impacts your case. This section provides comprehensive information about insurance. Of course, feel free to call or email us with any questions you may have.

Who Pays for What?

Ultimately, the at-fault party is responsible to compensate injured parties for all of their economic and non-economic harms and losses. These damages include obvious losses like lost wages and medical expenses as well as less obvious harms and losses like inconvenience, emotional distress, and physical pain. The real issue involves who actually pays for these harms and losses. Read More >>

Uninsured / Underinsured Motorist Coverage

As you can imagine, in many cases the at-fault party does not have enough insurance, or none at all, to fairly compensate the injured parties. If this occurs, “uninsured/underinsured motorist” coverage may come into play. Read More >>

How Does Health Insurance Come Into Play

In July of 2003, Colorado switched from a system of “no-fault” automobile coverage, to a pure “tort” based system. What this means practically is that your health insurance is the primary source of medical treatment in the event you are injured in an automobile accident. Read More >>

What if I do not have Health Insurance?

More than 20% of Americans are without health insurance. If you have been injured as a result of someone else’s negligence and you do not have health insurance, you may find that obtaining quality treatment for your injuries is difficult. There are solutions. Read More >>

Rules of the Road

Insurance carriers must act in good faith in all dealings with their policyholders. Insurance should help people when they need it most. When you suffer a loss, insurance delays and denials inflict further harm that insurance was designed to avoid. Since few know how insurance works, the industry and courts have adopted informal “rules of the road” to guide insurance companies on how they should behave and not behave. Here are a few rules: Read More >>