Contact top-rated Denver bad faith insurance lawyers at Callender Bowlin if you need urgent assistance after suffering from your insurance company’s unfair practices.
Based in Houston, Texas, the boutique litigation law firm has offices in Denver and Albuquerque. Its founding partners, Mark Callender and Josh Bowlin, have over two decades of experience trying cases in federal and district courts in various venues nationwide.
Callender Bowlin has a long track record of success in maximizing damages and defending the rights of policyholders from insurance companies who have treated them unfairly and violated their covenant. Feel free to browse through the verified testimonials of our satisfied clients in Denver.
Why Choose Callender Bowlin?
At Callender Bowlin, our team of bad faith insurance lawyers is dedicated to standing by our clients every step of the way through the claims process in Denver. We fiercely believe that if you’re entitled to compensation, you should receive every penny you deserve under the law.
Obtaining the sum that you rightfully deserve under your policy should be straightforward. However, insurance companies often complicate matters, prioritizing their profits over your needs. It’s crucial to remember that they don’t work for you – they profit by collecting premiums and minimizing payouts.
Determining the true value of your case can take time and effort, leaving you unsure of how to secure your rightful payment. That’s where our compassionate and experienced bad faith insurance attorneys come in. As a boutique law firm specializing in unfair practices of insurance companies, we’ve handled a long list of bad faith claims. We’re here to fight for you and your rights.
How Much Do We Charge: We operate on a contingency fee arrangement. This means that our clients do not pay any legal fees upfront. Instead, our fees are contingent upon the successful outcome of the case.
Contact Us Now: If you or a loved one has experienced bad faith from your insurance company or any other unfair practice, you can get help and representation from a Denver insurance lawyer at Callender Bowlin. We’re always available to provide support. Call (719) 350-4872 now or send us a message.
How Can We Help You In A Bad Faith Insurance Claim?
A Denver bad faith insurance claim lawyer is crucial to have by your side when an insurance company fails to fulfill its contractual obligations, often by unreasonably denying or delaying valid claims.
A skilled attorney specializing in insurance law can navigate the complexities of these claims, ensuring that the policyholder’s rights are protected and advocating on their behalf. They possess the expertise to interpret insurance policies, identify instances of bad faith, and negotiate with insurance companies to secure fair compensation for their clients.
Moreover, a lawyer can provide invaluable support throughout the entire claims process. From gathering evidence to building a strong case, they work diligently to hold insurance companies accountable for their actions.
Whether it involves negotiating a settlement or pursuing litigation, a trusted legal expert from Callender Bowlin deeply understands bad faith insurance claims and can provide the guidance and representation needed to pursue maximum compensation for policyholders wronged by their insurance providers.
About Bad Faith Insurance Claims in Denver
The Duty of Good Faith
When you enter into a contract, there is an implied covenant of good faith and fair dealing. This means each party must fulfill the terms of the agreement, especially in an insurance policy,
Since the concept of insurance is a matter that’s vested with public interest, insurance companies must uphold several duties to policyholders, including:
- Investigating a claim thoroughly and properly;
- Defending the insured in a liability insurance regarding covered claims against him;
- Indemnifying or paying settlement costs and court-ordered damages when a covered claim had been substantiated;
- Settling under reasonable circumstances to protect the insured from further losses and potential litigation.
If an insurer unreasonably and unfairly fails to fulfill these obligations, they are breaching their duty of good faith, thereby exposing themselves to a possible bad faith insurance claim.
Relevant Laws In Denver
The Unfair Claims Settlement Practices Act and the Consumer Protection Act are Colorado’s statutes that guard consumers against deceptive insurance tactics.
Insurance providers must adhere to guidelines set out by the Unfair Claims Settlement Practices Act while handling claims. The legislation bans several unfair insurance practices that could affect policyholders.
The statute, for instance, mandates that insurers promptly acknowledge and respond to correspondence involving claims. Moreover, the law requires insurers to immediately look into allegations and set reasonable criteria for doing so.
The legislation also prohibits insurers from refusing claims without completing a reasonable assessment, from misrepresenting critical information or policy clauses, or from failing to provide a timely and adequate explanation for a claim denial.
Additionally, the Consumer Protection Act is a more comprehensive statute that covers many other firms, including insurance providers. As for specific state authority, anyone may visit the Colorado Division of Insurance’s webpage and submit a complaint form there.
The division will investigate the complaint and can contact the insurance provider to find additional information or seek a resolution. Should they determine that the provider broke the law in Colorado, they may enforce disciplinary action against the company, involving fines, the revocation of licensing, or other sanctions.
It’s essential to consult with a Denver bad faith insurance law firm to help you navigate these laws and seek appropriate remedies.
Types of Bad Faith Insurance Practices
Bad faith is a type of misconduct from an insurance company that can be committed in various ways. Forbes Advisor has listed common behaviors that can be considered bad faith:
- The insurer denies a claim without justification that clearly should be covered;
- The insurer makes an unreasonably low settlement offer for an obviously covered claim;
- The insurer refuses to investigate a claim for no reason;
- The insurer conducts an investigation into a claim for no good reason;
- The insurer refuses to consider any evidence suggesting a claim should be approved, instead searching only for justification to deny the claim;
- The insurer refuses to settle a case when it is clear a policyholder is at fault, leaving the policyholder vulnerable to a lawsuit that could result in a damage award exceeding policy limits.
Where Do Most Bad Faith Insurance Practices Occur?
Bad faith insurance practices most commonly occur during the claims process, where insurers may unreasonably deny, delay, or undervalue valid claims made by policyholders.
These practices often arise in the context of personal injury claims, where insurers may act in bad faith to avoid paying out rightful compensation.
It’s essential for individuals facing such situations to seek legal guidance to protect their rights and hold insurance companies accountable for their actions.
Types of Damages and Compensation From Bad Faith Insurance Claims
Generally, your insurance company is liable for damages when they act in bad faith. Thus, you’ll be able to recover compensation for the following:
- Actual financial losses that were incurred due to the insurer’s refusal to process the claim within a reasonable period;
- Interest on the sum of money, as stated in the policy, that was unreasonably withheld for a covered claim;
- Penalties under relevant law that prohibit unfair claims practices;
- Punitive damages to hold the insurer liable for its misconduct;
- Damages for psychological and emotional anguish;
- Legal costs, such as court expenses and lawyer’s fees that were spent to pursue the claim against the insurer.
Role of a Specialized Attorney
Legal Strategies and Client Representation
A lawyer can help you through the complex legal process, which entails looking into the claim, negotiating with the insurance provider, and, if required, going to court to file a claim.
The first stage in an investigation is to acquire evidence. This might consist of witness statements, property assessments, consulting experts in their field, and other pertinent information. The intent is to locate any possible legal or contractual violations committed by the insurance company’s failure.
The next step is usually negotiating with the insurance provider. To resolve the conflict, the parties may agree to a specified sum through settlement agreements. Other conflict resolution processes like arbitration or mediation may also be taken into account.
If negotiations are ineffective, litigation may be required to help the victim of insurance bad faith. This entails bringing a lawsuit and pursuing it in court. Each side has the opportunity to ask for and collect evidence from the opposing side throughout the process of discovery. Ultimately, the matter is resolved in court through hearings and a trial.
The Importance of Expertise and Personal Experience
Since resolving a bad faith insurance claim involves multiple steps, having a lawyer with expertise and personal experience can leverage ensure that you will receive the maximum compensation.
At Callender Bowlin, our skilled lawyers have a track record of success managing complicated insurance claims and defending the rights of our clients. You can be sure that you are employing the right actions to safeguard your legal rights and obtain the compensation you are due with our advice and advocacy.
Working with a Local Denver Bad Faith Insurance Lawyer
When facing a bad faith insurance dispute in Denver, working with a local lawyer has its advantages.
A local lawyer is familiar with the specific laws and regulations in Denver, as well as the local court procedures. This familiarity can be instrumental in building a strong case and navigating the legal system efficiently.
Navigating Legal Complexities in Bad Faith Insurance Cases
Bad faith insurance cases can be legally complex, involving a multitude of statutes, regulations, and case law. These complexities require a lawyer with a keen understanding of insurance law and a track record of success in similar cases.
By partnering with a law firm that specializes in insurance claims, clients can be guided through the legal intricacies with confidence, knowing they have a dedicated advocate by their side.
Contact A Denver-based Bad Faith Insurance Lawyer Now
A highly reputable Denver bad faith insurance lawyer is within reach as you try to navigate a complicated claims process. Our firm fearlessly represents people who have been deprived of proper compensation under covered claims.
With our vast resources and network of legal experts, we are ready to face powerful insurance companies. We can confidently handle your case – and winning is the only option.
If you or a loved one has experienced bad faith from your insurer or any other unfair practice, contact us now at (719) 350-4872 or send us a message for a free comprehensive case review to discover how we can support you during this challenging time.
Callender Bowlin LLP
1550 Wewatta St
Denver, CO 80202
(303) 505-8700
