Frequently Asked Questions
1. What will my first visit to your office be like?
During your first visit, I will discuss with you the circumstances of
your care, your resulting injuries, and outline how we will proceed.
You are encouraged to ask questions, especially if you don’t
understand the legal forms or the procedures. You will receive
information telling how you can help me handle your claim. To
prepare your case, I will investigate your accident. I will contact
witness, police and medical personnel. I will research the legal
precedents and, if necessary, consult with experts, such as accident
reconstruction or medical experts.
2. What should I do if insurance adjusters wish to speak
with me about my claim?
Insurance company adjusters may try to talk to you about your claim.
Don’t be afraid to refuse; instead, refer them to my office to talk to me.
Do not sign any insurance or medical forms, especially insurance
release forms, without first checking with me.
3. How much time do I have to file my claim?
If you or a family member is injured in any accident, call me right
away because there is a legal time limit (statute of limitations) for
filing claims. In addition, the sooner you call my office, the sooner I
can begin the investigation. Critical evidence is sometimes lost
within hours. Remember, the other party’s insurance company has
probably already started their investigation, so we want to begin ours
as soon as possible.
4. How much compensation will I receive? What is fair?
Under today’s laws, fair compensation means more than just paying
your immediate bills. Long term or permanent disabilities, medical
bills, wage and economic losses, mental anguish, pain and suffering
(past and future), and the loss of capacity to enjoy life are also
considered when calculating fair insurance compensation for your
injuries. Permanent injuries last a lifetime. Hopes, dreams, and even
careers are sometimes shattered as a result of another’s fault and
carelessness. Knowing how to calculate fair compensation can make a
big difference in the amount you receive.
1. What is at-will employment?
In Colorado, this means you can be hired or fired for any reason, no
reason or the wrong reason. There are many exceptions to this which
would have to be explored in each individual case.
2. What is my protection from discrimination?
Discrimination against employees is not necessarily illegal. Only
discrimination on a prohibited basis is illegal as is retaliation against
employees who complain in good faith about prohibited
discrimination. Prohibited discrimination includes discrimination by
an employer against an employee because of the employee's race,
religion, national origin, age, sex, pregnancy, or disability.
3. Do I have a claim for wrongful termination?
Employees often think that the term wrongful discharge or wrongful
termination refers to any unjust termination and that there is a specific
legal claim for unjust termination. Wrongful discharge refers only to a
specific legal claim recognized by Colorado courts that permits
employees to sue for damages where an employee is terminated for
opposing conduct that is illegal or against public policy. There is
no recognized legal claim that permits an employee to sue for a
termination just because the termination is unjust or wrong.
4. What can I do if I am harassed at work?
Employees can bring a sexual harassment claim where:
The employer takes an adverse employment action against an
employee because he or she does not comply with a request for a
sexual favor; the employee faces a hostile environment where he or
she is treated with hostility because of their sex; the employee faces an
environment at work that includes unwelcome sexual advances or
other unwelcome sexual jokes, comments, or physical contact that
renders the environment hostile.
Race harassment claims usually involve a hostile environment where
employees who are members of a minority are treated in a
disrespectful manner. Like sexual harassment claims, the employer
may have a defense in certain circumstances if the employee does not
utilize available grievance procedures.
1. What is private disability insurance?
In private disability claims, you must have insurance. This can be
provided through your employer or association or as an alternative,
contracted for the individual.
2. What are property and casualty insurance denials?
Property insurance covers damages to or loss of property, including
homes, autos or luxury items such as jewelry or computers.
Casualty insurance is purchased to cover legal expenses incurred
from bodily injury or property damage to someone else. Property and
casualty insurance is subdivided into two major lines: personal
3. What are the typical types of auto insurance coverage in
Liability insurance is insurance that pays damages where a person or
organization is found responsible for injury or harm caused, for
example, in the case of negligence.
Property damage liability insurance covers you if your car damages
someone else's property. Usually it is their car, but it could be a fence,
a house or any other property damaged in an accident. It also
provides you with legal defense if another party files a lawsuit against
you. It is mandatory in most states.
Medical payment insurance (Medpay) covers medical expenses to
you and your passengers injured in an accident. There may also be
coverage if as a pedestrian a vehicle injures you. This coverage applies
regardless as to who is at fault. Coverage is limited to the terms and
conditions contained in the policy.
Uninsured motorist coverage is an addition to a standard automobile
insurance policy that provides coverage in the event the other driver is
both legally responsible for the accident and is not insured. Uninsured
motorist coverage pays for injuries to the policy holder and his or her
passengers, and in certain cases for damage to property.
Underinsured motorist coverage is an auto insurance policy provision
that extends coverage to include bodily damage caused by a motorist
with insufficient insurance. Underinsured motorist coverage is
designed to provide the injured party with compensation above what
is allotted by the at-fault party's policy.
Collision insurance covers damage to your car when your car hits, or
is hit by, another vehicle, or other object. Pays to fix your vehicle
minus the deductible you choose. To keep your premiums low, select
as large a deductible as you feel comfortable paying out of pocket. For
older cars, consider dropping this coverage, since coverage is
normally limited to the cash value of your car.
Comprehensive insurance covers your vehicle, and other vehicles (in
limited scenarios) you may be driving for losses resulting from
incidents other than collision. For example, comprehensive insurance
covers damage to your car if it is stolen; or damaged by flood, fire, or
animals. It pays to fix your vehicle less the deductible you choose. To
keep your premiums low, select as high a deductible as you feel
comfortable paying out of pocket.