Shared Responsibility For A Car Accident
You’ve been in a car accident in Colorado and the insurance adjusters say it was partially your fault. Does that mean you don’t have a claim to cover your injuries and property damage? If you were found to be at fault for causing the accident, you may file a claim against your own insurance company, but only up to the limits of policy coverage you may have taken out for collision insurance. That will help you pay for repair of your vehicle, but nothing else. Colorado is one of numerous states that have gone away from no-fault insurance. Drivers are now subject to a rule called proportional comparative fault, which is set at 50 percent. As long as you are not held to be more than 50 percent responsible for causing the accident, you have the right to file a claim for damages or sue the other driver for damages in excess of his or her insurance coverage. While filing a claim against an insurance company should be easy, it often isn’t. Even when filing against your own policy, you are likely to run into roadblocks and delays. Insurance companies don’t stay in business by paying fair settlements. Hiring an experienced personal injury lawyer is your best option to get the aggressive representation you need. At Flesch & Beck Law in Denver and Englewood, we have represented thousands of clients in motor vehicle accident injury and wrongful death claims. We know what strategies insurers will use when reducing or denying a settlement and we know the laws to help our clients get the full and fair compensation they need and deserve. Were You A Passenger Injured In A Car Accident Caused By Your Driver? We offer a free case evaluation and charge no retainer or attorneys’ fees. You pay only if we help you recover financial damages through a negotiated settlement or trial award. Call us at (303) 806-8886or use the email contact form to schedule a free consultation right away. After paying auto insurance premiums for years, you may find yourself suddenly needing to file an accident claim. Yet dealing with insurance companies can be intimidating. The policy language is dense with legalese. The claims process is confusing and frustrating. Perhaps you aren’t even sure where to begin. At Flesch & Beck Law, we handle car insurance claims every day. Here is how the basic claims process works. Of course, every case is different, so we invite you to reach out to us for guidance on your specific situation. Our lawyers would be happy to discuss your case during a free consultation. First, it is important to understand what the numbers mean on your insurance policy. By law, registered vehicles in Colorado are required to carry a minimum amount of insurance in case of an accident. Currently, there are three minimum requirements: You will typically see these numbers listed on your insurance policy as 25/50/15. If you get hurt in an accident with an uninsured driver, your insurance company will likely tell you the only option available to you is your uninsured/underinsured motorist (UM/UIM) coverage. However, you’ve probably discovered that your UM/UIM coverage is minimal. Most drivers carry the minimal coverage in Colorado, which is 15/25/50: If your damages exceed $50,000, you’re left with the remaining balance of medical costs, property damages and lost wages. Vehicle damages and a short hospital stay or surgery alone can eat up $50,000 quickly. Long-term costs, additional surgeries, lost earning potential and pain and suffering won’t even enter the equation if you rely only on your auto insurance UM/UIM coverage. Unlike many states, Colorado is NOT a no-fault state. If you are involved in a car accident in our state, you have the option of filing a claim for damages against your own insurance policy, filing a claim against the insurance company covering the driver found to be at fault for the accident or suing the at-fault driver for damages over and above the insurance coverage. It’s easy to make costly mistakes when dealing with insurance companies. With our attorneys on your side, you can avoid pitfalls that would otherwise leave money on the table. Our experienced attorneys know how to leverage all sources of insurance – the other driver’s policy, your own auto or homeowners policy, maybe third-party coverage – to piece together compensation. UM/UIM can be invoked in these scenarios: Car accidents aren’t always so cut-and-dried regarding which driver is at fault. In many cases, both drivers share some percentage of liability. Colorado uses a formula referred to as proportional comparative fault, set at 50%. The insurance adjusters determine the percentage of fault to be assigned to each driver. Only the driver who is found to be less than 50% at fault for causing the accident may file a claim against the other driver’s insurance or file a lawsuit.Filing A Claim Against Your Own Insurance Policy
Filing A Claim Against The Other Driver’s Insurance
From Offices in Denver And Englewood, Flesch & Beck Law Is Ready To Help
It is important to remember that passengers injured in car accidents are nearly always eligible to seek compensation from the negligent driver or drivers causing the accident. Even if your own driver is 100 percent at fault for the accident, you can file a claim for financial damages.Free Consultation · You Don’t Pay If We Don’t Help You Get Compensation
How Car Insurance Works
Understanding Auto Insurance (And How It Affects Your Accident Claim)
What The Numbers Mean
When The Numbers Come Into Effect
Scenarios That Can Trigger A UM/UIM Claim
Common Insurance Mistakes That You Should Avoid
What If You Bear Some Of The Fault?
Call To Learn More – Free Consultation And No Fees Unless You Win
If you were injured in a car accident in Colorado, hire a lawyer with experience handling car insurance claims every day. Call Flesch & Beck Law at (303) 806-8886or contact the firm by email to arrange a free consultation to discuss your case with a lawyer right away. We have offices in Denver and Englewood.
You’ve been in a car accident in Colorado and the insurance adjusters say it was partially your fault. Does that mean you don’t have a claim to cover your injuries and property damage? If you were found to be at fault for causing the accident, you may file a claim against your own insurance company, but only up to the limits of policy coverage you may have taken out for collision insurance. That will help you pay for repair of your vehicle, but nothing else. Colorado is one of numerous states that have gone away from no-fault insurance. Drivers are now subject to a rule called proportional comparative fault, which is set at 50 percent. As long as you are not held to be more than 50 percent responsible for causing the accident, you have the right to file a claim for damages or sue the other driver for damages in excess of his or her insurance coverage. While filing a claim against an insurance company should be easy, it often isn’t. Even when filing against your own policy, you are likely to run into roadblocks and delays. Insurance companies don’t stay in business by paying fair settlements. Hiring an experienced personal injury lawyer is your best option to get the aggressive representation you need. At Flesch & Beck Law in Denver and Englewood, we have represented thousands of clients in motor vehicle accident injury and wrongful death claims. We know what strategies insurers will use when reducing or denying a settlement and we know the laws to help our clients get the full and fair compensation they need and deserve. Were You A Passenger Injured In A Car Accident Caused By Your Driver? We offer a free case evaluation and charge no retainer or attorneys’ fees. You pay only if we help you recover financial damages through a negotiated settlement or trial award. Call us at (303) 806-8886or use the email contact form to schedule a free consultation right away. After paying auto insurance premiums for years, you may find yourself suddenly needing to file an accident claim. Yet dealing with insurance companies can be intimidating. The policy language is dense with legalese. The claims process is confusing and frustrating. Perhaps you aren’t even sure where to begin. At Flesch & Beck Law, we handle car insurance claims every day. Here is how the basic claims process works. Of course, every case is different, so we invite you to reach out to us for guidance on your specific situation. Our lawyers would be happy to discuss your case during a free consultation. First, it is important to understand what the numbers mean on your insurance policy. By law, registered vehicles in Colorado are required to carry a minimum amount of insurance in case of an accident. Currently, there are three minimum requirements: You will typically see these numbers listed on your insurance policy as 25/50/15. If you get hurt in an accident with an uninsured driver, your insurance company will likely tell you the only option available to you is your uninsured/underinsured motorist (UM/UIM) coverage. However, you’ve probably discovered that your UM/UIM coverage is minimal. Most drivers carry the minimal coverage in Colorado, which is 15/25/50: If your damages exceed $50,000, you’re left with the remaining balance of medical costs, property damages and lost wages. Vehicle damages and a short hospital stay or surgery alone can eat up $50,000 quickly. Long-term costs, additional surgeries, lost earning potential and pain and suffering won’t even enter the equation if you rely only on your auto insurance UM/UIM coverage. Unlike many states, Colorado is NOT a no-fault state. If you are involved in a car accident in our state, you have the option of filing a claim for damages against your own insurance policy, filing a claim against the insurance company covering the driver found to be at fault for the accident or suing the at-fault driver for damages over and above the insurance coverage. It’s easy to make costly mistakes when dealing with insurance companies. With our attorneys on your side, you can avoid pitfalls that would otherwise leave money on the table. Our experienced attorneys know how to leverage all sources of insurance – the other driver’s policy, your own auto or homeowners policy, maybe third-party coverage – to piece together compensation. UM/UIM can be invoked in these scenarios: Car accidents aren’t always so cut-and-dried regarding which driver is at fault. In many cases, both drivers share some percentage of liability. Colorado uses a formula referred to as proportional comparative fault, set at 50%. The insurance adjusters determine the percentage of fault to be assigned to each driver. Only the driver who is found to be less than 50% at fault for causing the accident may file a claim against the other driver’s insurance or file a lawsuit. If you were injured in a car accident in Colorado, hire a lawyer with experience handling car insurance claims every day. Call Flesch & Beck Law at (303) 806-8886or contact the firm by email to arrange a free consultation to discuss your case with a lawyer right away. We have offices in Denver and Englewood.Filing A Claim Against Your Own Insurance Policy
Filing A Claim Against The Other Driver’s Insurance
From Offices in Denver And Englewood, Flesch & Beck Law Is Ready To Help
It is important to remember that passengers injured in car accidents are nearly always eligible to seek compensation from the negligent driver or drivers causing the accident. Even if your own driver is 100 percent at fault for the accident, you can file a claim for financial damages.Free Consultation · You Don’t Pay If We Don’t Help You Get Compensation
How Car Insurance Works
Understanding Auto Insurance (And How It Affects Your Accident Claim)
What The Numbers Mean
When The Numbers Come Into Effect
Scenarios That Can Trigger A UM/UIM Claim
Common Insurance Mistakes That You Should Avoid
What If You Bear Some Of The Fault?
Call To Learn More – Free Consultation And No Fees Unless You Win
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- Personal Injury
- Car Accidents
- Catastrophic Injuries
- Documenting Your Injuries
- Medical Malpractice
- Personal Injury FAQ
- Premises Liability
- Slip and fall
- Proving Damages After an Accident
- Wrongful Death
- Denver Criminal Defense Attorney
- Bail Bonds
- Crimes Committed by Military Personnel
- Criminal Defense FAQs
- Domestic Violence
- Marijuana Offenses
- Juvenile Crimes
- Marijuana Public Use Laws
- Medical Marijuana
- Sealing of Records
- The Criminal Court Process
- Drug Crimes
- Drug Distribution Crimes
- Drug Manufacturing Crimes
- Federal Drug Crimes
- Illegal Use of Anabolic Steroids
- Illegal Use of Cocaine
- Illegal Use of Heroin
- Juvenile Drug Crimes
- DUI/DWI
- DMV Hearings After DUI
- Drunk Driving DUI Penalties
- DUI Breath and Blood Tests
- DUI Probation
- DUI Resulting in Injury
- Felony DUI
- Marijuana DUI
- Multiple DUIs
- Out of Denver DUI
- Sobriety Checkpoint DUI
- Sex Crimes
- Child Molestation
- Indecent Exposure
- Internet Sex Crimes
- Prostitution Offenses
- Rape Charges
- Sex Offender Registration
- Sexual Abuse
- Violent Crimes
- Kidnapping
- Hate Crimes
- Vehicular Assault – Manslaughter
- Weapons Offenses
- Theft Crimes
- Theft and Burglary
- Traffic Violations
- Driving on a Suspended License
- Violation of Probation or Parole
- Warrants
- White Collar Crimes
- Fraud, Forgery, and Money Laundering
- Identity Theft
- Underage DUI
- Car Accidents
- 10 Steps to Take After a Car Accident
- Car Accident FAQ
- Do you share some of the fault?
- How Car Insurance Works
- Motorcycle Accidents
- Rideshare Accidents
- Truck Accidents
- Types of Car Accidents