You're riding your scooter in a crosswalk. The pedestrian signal is green. Suddenly, a careless driver comes through and hits you with their car. While in the hospital, you learn injuries sustained in the accident will require ongoing medical treatment. You file claims with your insurer and the driver’s. Both insurance companies deny you.
Ignoring clear evidence, the insurance companies rewrote reality: They turned your small scooter into a Vespa-type motor vehicle that went on a reckless joyride.
Our Personal Injury Team intervened. We contacted our client’s liability carrier, the motorist’s carrier, and the client’s medical payment carrier. After reminding them of Colorado’s good faith and fair dealings laws that regulate insurance companies, all three carriers reversed their decisions. Each insurer paid out the policy limits, which totaled $130,000 for our client.