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Insurance Issues
Denver Car Accident Attorneys

If you have been hurt in an automobile accident, insurance issues will usually arise. The at-fault party is ultimately responsible to pay for all of the damage caused. These damages include obvious items like lost wages and medical expenses as well as less obvious harms and losses like emotional distress, inconvenience, and physical pain.

The primary source of compensation comes from the at-fault party’s insurance policy. Colorado requires individuals to carry a minimum of $25,000.00 of automobile liability insurance. Finding out how much insurance coverage is available is not as easy as you might expect. Unlike other states, Colorado does not require the at-fault party to disclose how much insurance is available before a lawsuit is filed. If a lawsuit is filed, the defendant must disclose available insurance 30 days after being served with the Complaint.

Plaintiffs’ lawyers and insurance agents certainly agree that everyone needs to be sure they have enough insurance to protect you and your family should the unthinkable occur. Unfortunately, there are many situations where the defendant’s insurance policy is not enough to fully compensate for the damages caused. There are several options available when this occurs. For example, we can try to collect against the at-fault driver personally.

Mr. Fuicelli handled a case in which the at-fault driver, who happened to be drunk, turned left on a red arrow and caused very serious injuries to Keith’s client who was on a motorcycle. Making a bad situation worse, the defendant only had $100,000.00 in insurance coverage. The defendant’s insurance company quickly offered to settle the case for the $100,000 policy limits if the defendant was completely released of all personal financial responsibility. When Keith looked into the amount of equity the defendant had in her home, however, it became clear that the defendant had significant assets to pay any judgment. After a few months of intense litigation, and a second mortgage on the drunk driver’s home, the defendant wrote a check for an additional $100,000.00 to settle the case. Of course, every case is different. If you have any questions regarding your case, please call or email us for a free case assessment.Fuicelli & Lee, PC is here to help.

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