Principle Attorney
Whether you were injured in a crash on I-70 during ski season, sideswiped near Red Rocks after a concert, or hit while exiting I-25 in downtown Denver, the insurance adjuster may sound helpful, even sympathetic. But make no mistake—their job is to protect the insurance company, not you. They are trained to close claims quickly and save money. In this blog, we’ll break down the tactics they use, how you can protect yourself, and when to bring in legal help.
Common Insurance Adjuster Tactics to Watch For
Insurance adjusters often act fast. One common tactic is offering a quick settlement before you’ve even had a complete medical evaluation. These offers are usually much lower than what your case is worth. They’re hoping you’ll accept and move on before discovering the full extent of your injuries. We’ve seen these quick offers made to drivers recovering from accidents along E-470 or near congested interchanges like I-25 and U.S. 36, where multi-vehicle crashes are common.
Another move adjusters make is asking for a recorded statement. While they may claim it’s just routine, anything you say can be used later to minimize your payout. Even something as simple as saying “I’m feeling better” could be twisted to suggest your injuries weren’t serious.
You should also be cautious about your online activity. Insurance companies often review social media accounts to find photos, posts, or comments that could undermine your claim.
We’ll help you stay ahead of these tactics and avoid traps that could cost you the compensation you deserve.
Understanding the Fine Print: What Your Policy Really Says
Insurance policies aren’t written to be easy to understand. Terms like “bodily injury coverage,” “medical payments,” or “coordination of benefits” may look familiar, but can be misleading. You may think you’re covered when you’re not, or miss additional coverage you didn’t know existed.
Key things to check in your policy:
- Coverage limits for bodily injury and property damage
- Whether multiple policies (like a driver’s and vehicle owner’s) apply
- Exclusions that limit what’s covered
We’ll review your policy with you, explain what it means, and help you identify all available coverage.
Bad Faith Insurance Practices You Should Know About
Not all insurance companies act fairly. In fact, some go out of their way to avoid paying valid claims. That’s called acting in bad faith, and it’s against the law.
Here’s what bad faith can look like:
- Ignoring your calls or emails
- Delaying payment without explanation
- Denying your claim without a valid reason
- Misrepresenting your policy coverage
These practices often show up after major collisions on I-70 or weather-related crashes in Summit County, especially when out-of-state drivers are involved.
If we see signs of bad faith, we can take legal action to hold the insurance company accountable. That may include seeking additional damages for their misconduct.
When You Need a Lawyer on Your Side
Some injury claims are straightforward. Others become complicated quickly, especially when the insurance company starts to push back. If any of the following apply, it’s time to talk to a personal injury lawyer:
- Your injuries are serious or long-lasting
- The insurance company is being uncooperative
- You’re being blamed for something that wasn’t your fault
- You feel overwhelmed or unsure how to respond
We’ll take over communication, build a strong case, and fight for the full compensation you’re owed. There’s no risk to you—our consultations are free, and we only get paid if we win.
You Deserve a Fair Fight
Insurance companies know what they’re doing, and they count on the fact that most people don’t. That’s why we do what we do. From downtown Denver to the foothills of Jefferson County, we’ve helped injury victims across Colorado hold insurers accountable and secure the compensation they deserve. If you’ve been hurt and don’t feel like you’re being treated fairly, give us a call. Contact the Law Offices of Dianne Sawaya today. Let’s talk about how we can help.