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Insurance Company Claim Denial Tactics to Look Out For

Contrary to what you might think, insurance companies don’t exist to help you with your claim. They aim to sustain themselves by ensuring the premium payments they bring in are more than the payouts they make. To help protect your claim, we thought we’d offer you an insight into some of the common insurance company tactics adjusters use to devalue or even deny your claim.

Calling You Soon After an Injury

Some insurance adjusters will call you soon after suffering an injury to catch you off guard and unprepared. They will do this to ensure that you haven’t had the time to speak to a lawyer or determine the full extent of all your injuries. As friendly as they might seem and as tempting as it might be to want to trust and engage with them, you must remember that they aim to capitalize on your vulnerable state, getting you to drop your guard and provide them with the information they can use against you later.

Offering You a Quick Settlement

When it comes to insurance company tactics, this is another common one. Most adjusters will contact you to offer you a quick settlement. They will try to get you to agree to it, not allowing you to learn the actual value of your claim.

Getting You to Sign a Medical Authorization

Insurance adjusters could send you a medical authorization to sign. What you might not know is that this authorization often extends beyond the medical records associated with the injuries you sustained in the accident.

This authorization aims to gain access to your medical history, including other injuries and treatments you have had over the years. The adjuster will then try to use this information to deny your claim based on a pre-existing condition or injury.

Delaying Payment

Most accident victims often face financial difficulties caused by lost wages and mounting medical bills. By delaying payment, adjusters hope that these difficulties will make you desperate enough to accept a settlement far less than what you are owed.

Misrepresenting the Coverage Amount

This tactic basically involves lowballing the amount of available coverage. An adjuster could tell you that only a certain amount is available even when the actual amount available is much higher.

Asking You for a Recorded Statement

Though this might seem like basic protocol, an adjuster asking you for a recorded statement is never for your benefit. They do this to tie you to specific information that they will use later to either show inconsistency or imply deception on your part.

Advising You Against Seeking Legal Help

Adjusters know that having a personal injury lawyer will go a long way in helping you get your claim’s full value. Therefore, they will use various insurance company tactics to try and convince you to handle your claim on your own. There are several other insurance company tactics adjusters will try to use to ensure that you don’t get your settlement. Hiring a personal injury attorney is the best way to protect yourself and increase the chances of getting your claim’s full value.

Now a Word from Bradley Pollock

Auto Legal Talk
By Bradley Pollock of Bell & Pollock, Injury Attorneys

A person injured in a car crash can seek compensation from the other driver’s liability insurance company. Almost all states require every registered vehicle or licensed driver have some vehicle liability insurance. When considering the cost of medical care the minimum amount of coverage legally required in Colorado is quite low at $25,000.00 per crash victim, $50,000.00 total for all injured people per crash.

If the other driver or owner has no insurance, or has insufficient coverage to pay you fully for your injuries, you may be able to get additional compensation through the uninsured or underinsured motorist coverage of your own policy. Your own policy may also provide medical payments coverage for immediate payment of some medical bills.

The following are brief descriptions of more types of coverage that an insurance carrier may offer. Coverage may vary slightly among insurance companies, so check your own policy to determine the exact rules of coverage and claims.

Liability. If you are at all legally responsible or, liable for a crash, liability coverage compensates victims for their injuries and damage to their property.

Uninsured Motorist. This coverage provides compensation from your own insurance company if you or the occupants of your vehicle are injured in a crash and the at fault party does not have liability coverage.

Underinsured Motorist. If you are injured in a crash with someone who has liability insurance insufficient to cover the full amount of your damages, your own underinsured motorist coverage may make up the difference.

Medical Payments. This coverage in your own insurance policy may pay your medical bills, or those of any occupant of your car, regardless of who was at fault in a crash.

Collision. Your insurance company pays for damage to your own vehicle minus your deductible regardless of fault. If involved in a car crash, it is usually the at fault party’s insurance carrier that pays for the property damage provided the at fault party has collision coverage.

It is imperative to review your policy to determine the coverages contained in your policy. After you are in a car crash is a terrible time to find out you don’t have the appropriate insurance coverage.

If you have questions about these issues, or if you’ve been injured by a drunk driver or a driver under the influence, simply contact the skilled motor vehicle accident lawyers at Bell & Pollock, P.C. for a free, no-obligation consultation to find out more about how we can help you. We are here to help you get justice, and we know how to devise the right Legal Game Plans™ to get victims full, fair compensation so they can recover and move on with their lives.™

To Learn Even More . . .

visit our website to listen to the show on this subject and all of our other radio shows on various legal topics.

If you have any questions about the topics discussed in today’s newsletter, or questions on other legal issues, give our office a call and one of our attorneys would be happy to talk with you.

More Information

Get more information about your rights and options following an accident by checking out one of our helpful books:

  • Don’t Get Hurt Twice in the Same Accident – This enlightening guide dispels some of the most common (and harmful) myths about car crashes, insurance companies, attorneys, and financial recoveries.
  • The Essential Guide to Car Insurance in Colorado – This guide helps all drivers better understand car insurance. If you’ve ever had a question about a claim, dispute or car insurance in general, this is a must-read.
  • Cowards of the Street: Hit & Run – This book uncovers the facts about hit and runs and how to financially recover from these crashes. It also shares about what you can do to protect yourself before and after a hit and run accident occurs.
  • Colorado’s Workers’ Compensation: The Ultimate Guide – This insightful book reveals everything you need to know in order to protect your rights as a worker – and to position a Colorado workers’ compensation claim for success.
  • Legal Game Plan – This educational book helps you better understand insurance company’s hidden game plan…and come up with one on your own!
  • Motorcycle Accidents (or How to Go Full Throttle Against the Insurance Companies) – This informative read will help motorcyclists come up with a plan of action to combat the insurance agencies. If you ride a motorcycle, you need this book.
  • 18 Mistakes You Could Make to Destroy Your Injury Claim – Found within is a precise guide regarding a trove of detailed mistakes one should avoid when pursuing a successful resolution to ones case. This work helps answer questions and details advice to protect oneself from common pitfalls and perils associated with a compensation claim.
  • Distracted Driving and Your Injury Claim  This comprehensive work assists all drivers in understanding the dangers of distracted driving and its relationship to your injury claim.
  • Premises Liability (Landowner Responsibility and Injury Recovery) – This definite piece renders the details behind the history of the Premises Liability Law in Colorado and highlights examples of responsibility which further offers a practical guide for injured victims.

Call our office to request copies of our books. You can also request a copy of any (or all) of these books on our website. And be sure to tune in to our weekly radio show to learn more about a variety of legal topics.

At Bell & Pollock “We Educate & Advocate”

The better educated you are, the better off you’ll be.

Remember, Bell & Pollock airs specialty “injury shows” for injured victims on the following stations, at the following times and days:

  • KBCR 96.9 FM at 8:00 am on Sundays
  • The Boat 1230 AM at 9:00 am on Sundays
  • KEZZ 94.1 FM at 9:00 am on Sundays
  • ESPN 98.9 FM at 8:30 am on Sundays
  • KRDO 105.5 FM at 8:30 am on Sundays
  • KRAI 93.7 FM at 7:00 am on Sundays
  • KRDO 120 AM 105 AM at 8:30 am on Sunday
  • Saturday Specialty Injury Show – The “Champions of the People” Injury show. Denver 60-minute Injury Show: KOA 850 AM at 10 AM, KRDO 1240 AM 105 FM in Colorado Springs at 11:00 AM, KRAI 55 AM in Craig at 8 AM and KBCR 96.9 FM in Steamboat Springs at 8:00 AM.

Bell & Pollock also has a live call-in show on Saturday morning on 630 AM KHOW and on KRDO 1240 AM 105 FM in Colorado Springs and on KEZZ 94.1 FM in Steamboat Springs, and on KRAI 55.0 AM in Craig, Colorado. The show starts at 7:00 AM every Saturday morning.


For the ninth consecutive year in a row, Bell & Pollock, P.C. has received an award from the Colorado Supreme Court with regard to its pro-bono representation of people in the community. This means that Bell & Pollock, P.C. has dedicated and devoted substantial time each year to helping people with legal work on a pro-bono basis.

Bell & Pollock, P.C. is very pleased with this award and has dedicated a large effort to helping people in the community. Remember that Gary Bell and Brad Pollock do a live call-in radio show at 7:00 am on 630 KHOW AM dial in Denver and it also airs on KRDO 1240 AM 105 FM in Colorado Springs, KRAI 55 AM in Craig and KEZZ 94.1 FM in Steamboat Springs.

It is a call-in show, and people can call in and ask any legal question on any legal subject. Gary Bell and Brad Pollock have been doing this for years and very much enjoy the interchange with the community and helping people who are seeking some form of legal help and answers to their questions.

The Bell Pollock Legal Show! You might want to tune in. Some of the questions and answers are eye opening!

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Here’s Gary Bell & Brad Pollock receiving one of their awards from the Colorado Supreme Court.

Call us at 720-613-6736 We are ready to help you!

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