Denver Insurance Bad Faith Lawyers
Request Free ConsultationWhen an insurance company denies your claim without a valid reason, delays payment unnecessarily, or offers far less than you’re owed, it may be more than unfair. It may be illegal.
In Colorado, you have rights under state law that protect you against these unlawful practices, and you have options for holding insurance companies accountable. The Denver insurance bad faith lawyers with Fuicelli & Lee know that insurance companies can add unnecessary hardship to an already difficult time.
We’ve also seen how these tactics not only stall recovery but also create lasting stress for individuals and families trying to recover and rebuild. When insurers fail to honor their policies, we go to work to demand accountability and help clients pursue the full, fair, and complete value of their claim.
Denver Insurance Bad Faith Guide
- Key Takeaways for Bad Faith Insurance Lawsuits
- Why Choose Fuicelli & Lee for Your Insurance Bad Faith Case?
- What Is Insurance Bad Faith in Colorado?
- Warning Signs Your Insurer Is Acting in Bad Faith
- The Three D’s of Insurance Companies: Bad Faith in Practice
- Examples of Insurance Bad Faith We See in Denver
- What Are the Legal Remedies for Bad Faith Insurance in Colorado?
- Steps to Take if You Suspect Insurance Bad Faith
- How Fuicelli & Lee Stands Up to Insurance Companies
- FAQs for Denver Insurance Bad Faith Lawyers
- What to Do Next: Protecting Yourself After an Unfair Claim Denial
- Your Next Step: Call a Denver Insurance Bad Faith Lawyer Who Will Fight for You
Key Takeaways for Bad Faith Insurance Lawsuits
- Insurance companies must follow Colorado laws requiring fair treatment of policyholders; violations may justify legal action.
- Common bad faith tactics include delaying, underpaying, or unfairly denying legitimate claims.
- Victims of insurance bad faith can seek damages for financial losses and emotional distress under Colorado law.
- Prompt legal representation helps preserve evidence and strengthens your case against the insurance company.
- Fuicelli & Lee is a Denver-based law firm with a strong record of holding insurers accountable in bad faith cases.
Why Choose Fuicelli & Lee for Your Insurance Bad Faith Case?
Bad faith insurance cases hinge on careful legal work, clear evidence, and a law firm that knows how to challenge insurance companies effectively.
Fuicelli & Lee isn’t a settlement mill. We’re a Denver-based law firm that handles serious cases with care and conviction. When we take your case, you become our priority.
Skilled litigators with a track record of high-stakes civil cases
Our attorneys bring years of courtroom and negotiation experience to every insurance bad faith claim. We’ve handled complex civil cases involving large corporations, and we know how to build strong legal arguments that compel insurers to act fairly, whether in settlement negotiations or in front of a jury.
Client-centered guidance from start to finish
Every client receives individual attention. We limit our caseload to ensure you have direct access to your attorney and regular updates on your case. Whether you prefer virtual, phone, or in-person meetings, our team makes communication seamless and stress-free.
Proven results from high-stakes cases
Our trial lawyers have recovered millions for clients by preparing each case like it’s going to court—even if it settles. We don’t rely on quick settlements to move on to the next case. We build strong claims and fight for every dollar backed by evidence and legal strategy. Our track record of recent results includes several multi-million-dollar and six-figure settlements, including deals struck for bad faith insurance practices.
Contingency fee model with no upfront costs
If we don’t recover money for you, you owe us nothing. That includes consultations, case reviews, and preparation. We advance all legal costs so you can focus on your health and your future, not your finances.
Trusted by other attorneys for co-counsel
Nearly 80% of our cases come from referrals. When other lawyers encounter high-conflict or complex insurance disputes, they call Fuicelli & Lee. That says something about how we handle our cases and the outcomes we achieve.
What Is Insurance Bad Faith in Colorado?
Most insurance policies are governed by a legal concept known as the duty of good faith and fair dealing. That means your insurer is legally required to treat your claim honestly, thoroughly, and in a timely manner. When they fail to do so, it may violate Colorado’s remedies for unreasonable delay or denial of benefits (§ 10-3-1115 and § 10-3-1116), which govern bad faith insurance practices.
Insurance bad faith isn’t just a contract dispute. It’s a form of wrongful conduct that can entitle you to recover more than the value of the original claim. Courts in Colorado may allow you to pursue attorney’s fees, court costs, and even double damages if the insurer’s conduct meets the legal standard for bad faith.
Warning Signs Your Insurer Is Acting in Bad Faith
Most people don’t know they’re being treated unfairly until it’s too late. If something doesn’t feel right with your claim, there’s a chance your insurance company isn’t operating in good faith.
Here are some common red flags:
- Repeatedly asking for the same documents without explanation
- Delaying communication for weeks or months
- Offering a lowball settlement far below your documented losses
- Claiming your policy doesn’t cover a procedure or damage when it clearly does
- Canceling your policy after a claim is submitted
If any of these apply to your situation, speaking with an insurance bad faith attorney with Fuicelli & Lee can review your claim and explore the legal options you may have.
The Three D’s of Insurance Companies: Bad Faith in Practice
Insurance companies are profit-driven businesses. Every dollar they pay out is a dollar off their bottom line. This creates a powerful incentive to minimize payouts, even when claims are valid. Some insurers use specific tactics to protect their profits:
- Delay: Slowing down communication to discourage you from pursuing the claim
- Deny: Rejecting valid claims based on vague or contradictory policy interpretations
- Defend: Forcing litigation in hopes that you’ll settle for less than what you’re owed
These strategies are frustrating, and claimants may give up out of frustration or a misguided trust in the insurance company’s decision. However, they may also be red flags under Colorado’s bad faith insurance laws.
Examples of Insurance Bad Faith We See in Denver
Bad faith insurance practices can manifest in many ways, but they usually stem from corporations choosing to value higher profits over people’s needs. Our team often sees these patterns in claims where policyholders acted in good faith, but insurers failed to do the same. These are some of the most common situations where our Denver bad faith insurance lawyers step in to help.
Auto insurance claim denials
After an auto accident in Denver, most people assume their policy will kick in. Instead, insurers often delay payment, lowball the estimate, or deny coverage altogether. This includes uninsured motorist claims, collision damage, and medical payments coverage. In some cases, insurers use vague language or outdated forms to justify their decisions. We hold them accountable when these tactics cross the line.
Denied life insurance benefits
Life insurance is meant to provide stability after a devastating loss. But too many families are forced to fight for benefits because the insurer claims a lapse in coverage, an application error, or an uncovered cause of death. These disputes often surface at the worst possible time—when loved ones are grieving and overwhelmed. Fuicelli & Lee understands how much you have at stake. We relentlessly challenge wrongful life insurance denials to secure the benefits families need.
Health or medical insurance bad faith
Health insurers sometimes deny coverage by labeling necessary treatments as experimental or medically unnecessary. Other times, they point to minor paperwork issues or claim a provider was out-of-network, even in emergency situations. These delays and denials can seriously harm your health and finances. Our bad faith insurance attorneys in Denver know how to analyze medical policy language and push back when care is unfairly denied.
Homeowners insurance disputes
Property owners rely on insurance to protect what matters most. When fire, storm, water, or theft damage occurs, the claims process should work for you, not against you. Yet insurers often misclassify damage, minimize repair costs, or take months to respond. We handle bad faith homeowners insurance claims involving undervalued repairs, denied coverage, and excessive delays.
Other first-party bad faith claims
In addition to the above, we also handle first-party insurance disputes involving disability policies, renters insurance, and supplemental coverage. In every case, we assess whether the insurer followed its legal obligations under Colorado’s bad faith statutes and your specific policy terms.
Bad faith doesn’t always look obvious at first. What starts as a delay or vague denial often reveals deeper issues with how a claim was handled. That’s why it helps to have a Denver insurance bad faith lawyer review your situation and explain your legal options.
What Are the Legal Remedies for Bad Faith Insurance in Colorado?
Colorado insurance law allows you to pursue more than just your original claim if your insurer has acted in bad faith. Depending on the facts of your case, your attorney may help you pursue:
- Compensation for unpaid or underpaid claims
- Emotional distress damages caused by the insurer’s conduct
- Attorney’s fees and litigation costs
- Double damages under Colorado Revised Statutes § 10-3-1116
Proving bad faith requires documentation, clear evidence of misconduct, and experienced legal analysis. An experienced bad faith insurance claim lawyer in Denver can gather this evidence and guide you through the process.
Steps to Take if You Suspect Insurance Bad Faith
If your insurance company has treated you unfairly, taking immediate action can make a significant difference. The sooner you involve a lawyer, the better your chances of protecting your legal rights.
Here are some steps to consider:
- Hire a bad faith insurance lawyer: Legal guidance is essential from the beginning. Your lawyer will handle communications, document violations, and build a case for damages.
- Keep records of all correspondence: Save emails, letters, call logs, and internal claim notes if you have access to them.
- Follow your medical treatment plans: Gaps in care can be used against you in both bad faith and underlying injury claims.
- Journal your experience: Writing down how the insurer’s delays or denials are affecting your life can help support non-economic damages.
When an insurance company acts in bad faith, it breaks its legal and financial commitment it made to you, often at the moment you need support the most.
How Fuicelli & Lee Stands Up to Insurance Companies
After helping injured clients across Colorado for years, we’ve seen how policyholders are treated when they’re most vulnerable. That experience changes you. It gives you an urgency to fight for people the way you’d want someone to fight for your own family. At Fuicelli & Lee, we see every client as a person with a story, not a case number.
We’ve built our reputation by standing up to major insurers and winning. Our goal is not only to resolve your bad faith dispute for a maximum amount, but to handle it in a way that earns your complete trust and satisfaction. We also strive to help prevent similar mistreatment for others in the future. We offer free consultations, contingency fee arrangements, and virtual case management options for clients across Colorado.
FAQs for Denver Insurance Bad Faith Lawyers
How do I sue an insurance company for bad faith in Colorado?
Your case must show that your insurance company unreasonably delayed, denied, or underpaid your claim without a valid reason. Your lawyer will gather evidence of policy violations, correspondence, and financial harm to support a claim under Colorado’s bad faith insurance laws.
How long do I have to file a bad faith claim in Colorado?
The statute of limitations for bad faith insurance claims is two years from the date of the bad faith action. This may be different from the statute for your original claim, so speak with a lawyer immediately to protect your timeline.
What damages can I recover in an insurance bad faith case?
In addition to the value of your original claim, Colorado law may allow recovery for emotional distress, attorney’s fees, and two times the covered benefit if the insurer violated statutory duties. Each case is different, so speak with a lawyer about what applies in your situation.
Can I pursue a bad faith claim even if I settled the original insurance claim?
Possibly. If you accepted a settlement under pressure, or if the insurer acted unreasonably during the claims process, you might still have grounds for a bad faith lawsuit. The details of the settlement agreement matter, so have it reviewed by a lawyer.
Will filing a bad faith claim affect my current insurance coverage?
Insurance companies are not allowed to retaliate against you for exercising your legal rights. If you believe your insurer is acting unfairly after you file a complaint or lawsuit, your attorney can address that directly and may pursue further claims if necessary.
What to Do Next: Protecting Yourself After an Unfair Claim Denial
If your insurer has treated you unfairly, it’s not just about the money—it’s about accountability. Holding them responsible may help you recover financially, but it can also protect others from experiencing the same behavior. Taking the right steps early can help your attorney build a stronger case.
Here’s what to do:
- Consult a bad faith insurance lawyer as soon as you suspect misconduct.
- Preserve your communication records with the insurance company, such as denial letters, emails, and call logs
- Continue with all prescribed medical treatment if injuries are involved. Any gaps in your treatment give insurers an opportunity to question the seriousness of your injuries and challenge your claim.
- Keep a journal documenting your pain, recovery, and stress related to the insurance process.
- Avoid signing anything from your insurance company without your lawyer reviewing your case.
Your claim is worth more than silence or delay tactics. Legal help is available, and it starts with a conversation.
Your Next Step: Call a Denver Insurance Bad Faith Lawyer Who Will Fight for You
When insurance companies fail to uphold their promises, the consequences ripple through your life. Trust breaks. Bills pile up. Recoveries stall. But you don’t have to stay stuck in that place. Fuicelli & Lee, Denver personal injury attorneys, help people across Denver and throughout Colorado hold insurers accountable and pursue full, fair, and complete compensation under the law.
We approach every case with preparation, urgency, and genuine care for your outcome. If an insurance company is unfairly delaying, denying, or underpaying your claim, let’s talk. There’s no cost to call, no pressure to commit, and no fee unless we win your case for you.
Call (303)444-4444 or contact us online to schedule your free consultation with a Denver bad faith insurance lawyer today.
Client Testimonials
“Keith and his team are amazing! My husband was in a coma for almost 2 months. We reached out to Keith because we felt the insurance company acted in bad faith. Keith walked us through the entire process and helped us feel comfortable and gave us hope we wouldn’t have a huge medical bill from the hospital. Keith went through all options with us and kept in communication for a year. He was always quick to respond on any questions we had. We highly recommend Keith and his group.”– KOURTNEY S.⭐⭐⭐⭐⭐
Fuicelli & Lee Injury Lawyers, PC – Denver Office
Address: 1731 Gilpin Street Denver, CO 80218
Phone: (303) 444-4444