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A truck accident can leave you with catastrophic, life-changing injuries, mounting medical bills, and uncertainty about your financial future. If the crash happened on busy Denver roads like Colfax Avenue or I-25, the insurance company for the trucking company will most likely reach out quickly. While they may seem helpful, their primary goal is to minimize the amount they pay out. To protect your rights and secure fair compensation, it’s best to understand the strategies they use. If you’ve been injured, seek help from a Denver truck accident lawyer who knows how to counter these tactics effectively.

1. Dragging Out the Claims Process

Insurance companies use delays as a weapon against accident victims. They may take weeks to respond to your claim, request unnecessary paperwork, or claim they need additional investigations before making a decision. Their goal is to frustrate you into accepting a subpar settlement or giving up altogether.

 

Trucking insurers know that accident victims struggle with lost wages and medical costs, so they intentionally slow the process to pressure you into settling for less. A skilled attorney can push back, ensuring deadlines are met and your claim moves forward.

2. Offering a Quick, Low Settlement

If an insurer offers a fast payout, it’s usually because they know your claim is worth much more. They hope you’ll take the money before realizing the true value of your injuries and future medical needs. Once you accept, you cannot go back and ask for more compensation later.

Truck accidents often lead to long-term health issues, from spinal injuries to traumatic brain damage. You should never accept an offer before consulting with a lawyer who can determine the value of your claim, including medical expenses, lost earnings, and pain and suffering.

3. Shifting Blame to the Victim

Trucking insurance companies often try to pin at least part of the blame on the injured party. They may argue that you were speeding, following too closely, or making an unsafe lane change at the time of the accident. Colorado follows a modified comparative negligence rule, meaning if they can claim you were more than 50% responsible, you won’t receive any compensation.

 

Insurance adjusters may use statements you make against you. Even something as simple as saying, “I didn’t see the truck coming,” could be twisted into an admission of fault. This is why it’s crucial to let an attorney handle communications with the insurer on your behalf.

4. Questioning the Severity of Your Injuries

Another common tactic is disputing the seriousness of your injuries. The insurer might claim that your pain is exaggerated or that your injuries were pre-existing and not caused by the truck accident. They may even hire their own medical expert to dispute your doctor’s diagnosis.

 

A truck accident lawyer can collect strong medical evidence to counter these claims. This includes working with specialists, gathering diagnostic reports, and securing testimony from healthcare professionals who can confirm the extent of your injuries.

5. Using Surveillance and Social Media Against You

Insurers don’t just rely on paperwork—they actively investigate claimants. They may conduct surveillance to see if you’re engaging in activities that contradict your injury claims. They also monitor social media accounts, looking for photos or posts that suggest you’re in better condition than you claim.

 

Even an innocent picture of you at a family gathering can be used against you. The best approach is to limit your social media activity and avoid discussing your accident online while your case is ongoing.

6. Disputing Liability with Complex Trucking Regulations

Trucking accidents are different from standard car crashes because they involve federal and state regulations. Insurance companies may exploit these complex rules to argue that their client wasn’t liable. They might claim the truck driver was an independent contractor or that a third party, such as a maintenance company, was responsible.

 

An experienced Denver truck accident lawyer understands these regulations and can gather the necessary evidence to prove fault. This may include obtaining electronic logging device (ELD) records, driver hour logs, and maintenance reports to demonstrate violations that contributed to the crash.

Protect Your Rights After a Truck Crash

Falling for these insurance tricks can cost you thousands of dollars in lost compensation. The best way to protect yourself is to work with a legal professional who understands the aggressive tactics insurers use. A dedicated Denver truck accident lawyer can fight for the full settlement you deserve, ensuring you aren’t pressured into accepting less than your claim is worth. If you’ve been injured, don’t wait—reach out for legal support today.