Will Progressive Insurance Pay my Claim?

February 7th, 2014

After a car accident, injured accident victims usually look to their insurance companies to help them pay medical expenses and repair the damage done to their cars. Yet it is when the unthinkable happens that you find out just how reliable your insurance company is. While Progressive claims to one of the nation’s best insurance companies, nothing could be farther from the truth.

If your car accident is simple, your Progressive claims adjuster may come out and review the damages and your injuries rather quickly. Your adjuster may even offer you a settlement that seems like it should cover your injuries and the damage to your vehicle. Unfortunately for many policyholders, this settlement is designed to protect Progressive’s bottom line and reduce their liabilities. When injuries become chronic or require extensive rehabilitation or additional surgeries, injured victims usually realize that they received far too little—and unfortunately, by then it is too late.

Not only does Progressive offer accident victims low-ball settlements, they also have been caught engaging in bad faith practices. In 2011, Progressive was accused of altering the computer records of a policyholder after an accident to make it seem like they did not have enough insurance to cover their injuries. A jury awarded the injured man and his family more than $12 million.

Common Bad Faith Tactics

Progressive insurance is not the only company who engages in bad faith practices. Some of the most common bad faith tactics insurance companies use to get out of paying claims include:

  • Delaying claims payments

  • Denying valid claims

  • Failing to return phone calls

  • Terminating policies after an accident

  • Ignoring medical information that is vital to the claim

  • Ordering unnecessary testing

  • Failing to defend against third party claims

  • Losing paperwork

  • Falsifying records

  • And more

Insurance companies like Progressive usually rely on the fact that policyholders rarely have anyone on their side protecting their interests. When a policyholder retains a lawyer to help fight these insurance companies, they almost always receive compensation that is far greater than the settlement they were initially offered. Without legal representation, insurance companies can delay and deny claims for months—while you get farther and farther into debt. It’s not fair—but it’s how they do business.

Contact Us

Greg-GoldIf your insurance company has unfairly treated you or someone you love after a Colorado accident, you will need an experienced and compassionate Colorado personal injury attorney to handle your case. At the Gold Law Firm, we work hard to achieve the maximum compensation for all of our clients. Contact Gregory A. Gold of the Gold Law Firm today for a free consultation at (303) 694-4653.

Traumatic Brain Injury Lawsuits on the Rise

January 24th, 2014


Some personal injury lawyers in Colorado are staying busy as more and more brain injury victims come forward. Since the National Football League has paid out $765 million to settle such lawsuits, an increasing number of professional football and hockey players are claiming that their employers should have known of the dangers of brain injury in these sports, but did seemingly little to step up concussion prevention.

A recent lawsuit filed by five former members of the Kansas City Chiefs, cites research on concussion and brain trauma that dates back to the 1920s. The lawsuit also cites a 1937 meeting of the American Football Coaches Association documenting that attendees acknowledged a “keen awareness” of concussion risk.

The five plaintiffs in the brain injury lawsuit are Alexander Louis Cooper, a Chiefs linebacker (1985-1991); Leonard Griffin, Chiefs defensive end (1986-1993); Kevin Porter, Chiefs defensive back (1988-1993); Christopher Martin, Chiefs linebacker (1988-1993), who is joined by his wife in the lawsuit, and Joseph Phillips, Chiefs defensive tackle (1992-1993).

In their lawsuit, the former players claim that the Kansas City Chiefs knew or should have known the seriousness of concussions as early as 1966 when the Congress of Neurological Surgeons released a report on the topic. Court documents state that the plaintiffs claim to suffer from post-concussion syndrome, severe and persistent headaches, depression, mood swings, exclusivity, suicidal ideations and Chronic Traumatic Encephalopathy.

Meanwhile, former all-star hockey defenseman, Gary Leeman and nine others, filed a class-action brain injury lawsuit against the National Hockey League (NHL) for failing to take necessary precautions to protect professional hockey players from needless brain injuries.

In the lawsuit, court records refer to a study on brain injuries conducted by the NHL in 1997. As a result of the study, the league created a concussion program; however, according to the plaintiffs, it did nothing to implement the program until 2010, when it added rule 48, the so-called “head check” penalty.

The lawsuit filed in November in US District Court for the District of Columbia, further claims that the NHL purposely concealed the severe risks of brain injuries and consequently exposed the players to needless harm.

The deputy commissioner of the NHL, Bill Daly, released a statement saying the league recognizes that concussions are a serious matter, but it is satisfied with the way player safety was managed by the league and players’ association. He added that the league intends to defend itself “vigorously” against these charges.

Greg-GoldIf you or someone you love has suffered a traumatic brain injury, you will need an experienced and compassionate Denver personal injury attorney to handle your case. At the Gold Law Firm, we work hard to achieve the maximum compensation for all of our clients. Contact Gregory A. Gold of the Gold Law Firm today for a free consultation at (303) 694-4653.

Types of Spinal Cord Injuries

January 15th, 2014


Ambulance emt stretcherWhen the bony protection surrounding the spinal cord is damaged, a spinal cord injury occurs. This damage can happen by way of fractures, dislocation, burst, compression, hyperextension or hyperflexion. The injuries that result go by the terms cauda equina, conus medularis, central and anterior cord syndrome, or Brown-Sequard syndrome.

The location of a spinal cord injury determines which parts of the body are affected. After a thorough examination, a doctor will assign a level of injury and determine if the injury is incomplete or complete. An incomplete injury means that the spinal cord still has some ability to convey messages to or from the brain, and that some sensation and movement is possible below the point of injury. A complete injury indicates a total loss of sensory and motor function below injury site.

It is possible that the level of injury and function can change upon discharge to rehabilitation. These are general guidelines, and individual outcomes may vary.

Cervical level (C1-C8) injuries cause paralysis or weakness in both arms and legs, called quadriplegia or tetraplegia. All body regions below the injury site or top of the back may be affected. This type of injury can be accompanied by loss of physical sensation, respiratory issues, bowel, bladder and sexual dysfunction. It may be necessary to fit cervical level injury patients with a brace to help stabilize the very flexible neck region.

Because of the protection afforded by the rib cage, Thoracic Spinal Cord (T1-T12) injuries are less common. These injuries do not usually affect the arms and hands, but can cause paralysis or weakness of the legs (paraplegia), loss of physical sensation, bowel, bladder and sexual dysfunction. Because this area of the spinal cord controls signals to some of the muscles of the back and abdomen, most patients initially wear a stabilizing brace on the trunk.

Lumbar Spinal Cord (L1-L5) injuries result in paraplegia and sometimes loss of physical sensation, bowel, bladder and sexual dysfunction. This area of the spinal cord controls signals to the lower parts of the abdomen and back, the buttocks, some parts of the external genital organs and parts of the leg, and often requires surgery and external stabilization.

The Sacral area (S1-S5) of the spinal cord controls signals to the thighs, lower legs, feet and genital organs. Sacral level injuries can cause weakness or paralysis of the hips and legs causing bowel, bladder and sexual dysfunction.

Greg-GoldIf you or someone you love has suffered from a spinal cord injury after an accident you will need an experienced and compassionate Colorado personal injury attorney to handle your case. At the Gold Law Firm, we work hard to achieve the maximum compensation for all of our clients. Contact Gregory A. Gold of the Gold Law Firm today for a free consultation at (303) 694-4653.

Does State Farm Insurance Engage in Bad Faith Practices?

January 15th, 2014

After being accused of engaging in bad faith practices, the largest property casualty insurer in the U.S., State Farm Insurance, has been ranked the third worst insurance company in America by the American Association for Justice (AAJ). Due to its denial of claims and delay of claim payments, State Farm, who refers to themselves as “good neighbors”, placed behind only Allstate, Unum and AIG.

According to the AAJ report, State Farm has been accused of mishandling Katrina claims, denying and delaying policyholder claims and acting recklessly.

After Hurricane Katrina wreaked havoc in 2005, State Farm routinely denied claims without basis. Private home inspectors later testified that State Farm instructed them to alter damage reports so the insurer could pay claims at a lower value or avoid paying claims altogether.

McKinsey and Associates, a New York consulting firm, was hired by Allstate and State Farm to recommend ways in which the insurers could better perform. Both insurers were instructed to deny claims, delay claim payments and contest lawsuits that should have been readily resolved.

State Farm insured homeowners in Oklahoma brought a class action lawsuit against the insurer after tornadoes caused $2 billion worth of damage there. A jury ruled that the company acted ‘recklessly’ and ‘with malice’ after it routinely under-valued the homeowners’ properties.

A customer satisfaction survey on FreeAdvice.com showed that the majority of State Farm customers were less than ‘extremely satisfied’ with their service. The breakdown of customer satisfaction among survey respondents looked like this:

Extremely Satisfied: 29%

Very Satisfied: 16%

Somewhat Satisfied: 9%

Unsatisfied: 12%

Very Unsatisfied: 34%

Some customers posted comments about State Farm on the survey administrator’s website. One comment expressed frustration over the insurer’s refusal to pay a small claim after 37 years of customer loyalty. Yet another expressed similar discontent after a homeowner’s single claim was filed and denied after 65 years of prompt and dilegent payment of premiums. In addition to having claims denied, customers have complained about being harassed and treated rudely by adjusters and an incompetent claims department. Many of the customers surveyed that, not only would they cancel their existing policies, they would also not recommend State Farm to anyone else.

Greg-GoldIf you are experiencing difficulty with your insurance company, you will need an experienced and compassionate Colorado insurance dispute attorney to handle your case. At the Gold Law Firm, we work hard to achieve the maximum compensation for all of our clients. Contact Gregory A. Gold of the Gold Law Firm today for a free consultation at (303) 694-4653.

How to Pursue a Whiplash Lawsuit

December 23rd, 2013


If you suffer from whiplash after a Colorado car accident, you know how painful and debilitating this injury can really be. Unfortunately, insurance companies and adjusters often view whiplash victims in a negative light and this is reflected in the settlements they offer. To make matters worse, whiplash victims may not experience the full severity of their injuries for days and even weeks following an accident.

When you have suffered a whiplash injury, the pain and stiffness in your neck could result in a lifelong disability, requiring medical treatment and significant rehabilitation. For many, they are unable to work, enjoy their hobbies, and maintain an active lifestyle. When this occurs, you need an experienced Colorado whiplash lawsuit attorney on your side to protect your interests and ensure that you receive the compensation you need to fully recover.

If you wish to pursue a whiplash lawsuit, your Colorado personal injury lawyer will need to investigate all angles of your accident to establish negligence and build your case. He will need to speak to eye witnesses, obtain the accident report, and may even need to employ forensic specialists.

Once negligence is established, your attorney will need to discuss your medical treatment and diagnosis with a physician. An MRI may be required to help prove that you sustained a whiplash injury. Your Colorado personal injury lawyer will need to determine how much medical treatment your injury is likely to cost you both now and in the future. Will your whiplash turn into a chronic condition? Will you require extensive rehabilitation or medical treatment?

These questions must be answered before negotiating with an insurance company or filing a lawsuit against the responsible party. Your Denver whiplash injury lawyer will be able to discuss all of your legal options with you, so you can determine if filing a whiplash lawsuit is in your best interest.

If you are awarded compensation for your whiplash injury, your lawsuit will likely cover any out of pocket expenses arising from the accident and injury, including any lost wages both now and in the future. You may also be awarded for pain and suffering.

Even if you choose not to file a whiplash lawsuit, it is important that you retain the services of an experienced Colorado whiplash injury lawyer immediately. Your attorney will be able to negotiate a significantly higher settlement with the insurance company and can help you obtain the maximum compensation to which you are entitled.

Greg-GoldIf you or someone you love was injured in an accident you will need an experienced and compassionate Colorado personal injury attorney to handle your case. At the Gold Law Firm, we work hard to achieve the maximum compensation for all of our clients. Contact Gregory A. Gold of the Gold Law Firm today for a free consultation at (303) 694-4653.

Christmas Season Yields Increased Car Accident Fatalities

December 13th, 2013


The National Highway Traffic and Safety Administration wants to remind everyone that ‘Tis the Season for Car Accidents’. That’s right—more drivers are killed in alcohol-related crashes on Christmas Day and New Year’s Day than at any other time during the holiday season. While this statistic is sobering, it is one that the NHTSA hopes will convince partygoers to think twice before drinking and driving.

If you are driving this holiday season in Denver or anywhere in the State of Colorado, there are several holiday driving tips that could keep you and your loved ones safe.

Always Designate a Driver – If you are planning on attending an office party, a holiday party, or any get together where alcohol will be served, be sure you have a designated driver. If you don’t, be sure to have the number of a cab company in your wallet, so you aren’t tempted to drive drunk.

Prepare Your Car for Winter—Winter weather brings snow and ice to the Denver area. Before you head out this holiday season, winterize your car, check your tires, and make sure your fluid levels are adequate. Underinflated tires cause more than 600 fatalities a year.

Plan Ahead for an Emergency—Before you head out in winter weather, be sure that your car is prepared for anything that could happen. Check your emergency kit to be sure you have working flares, bandages, and a blanket in case your car breaks down in cold weather. Being stranded on the side of the road during a blizzard is a real risk and planning ahead could save your life.

Never Drive Distracted—Cellphones are great in an emergency situation, but they should never be used while driving. Texting while driving, talking on the cellphone, and using GPS devices can take your concentration off of the road. This can lead to devastating Denver car accidents and holiday fatalities.

Ask Your Friends to Quiet Down—Sometimes the other people in our car can distract us more than they realize. If your friends are especially rowdy or excited, ask them to help you drive safely by quieting down in the car. This will allow you to focus on the road and hazards in your way.

Contact a Denver Car Accident Attorney for Help

Greg-GoldIf you or someone you love is injured in a car accident this holiday season, you will need an experienced and compassionate Colorado personal injury attorney to handle your case. At the Gold Law Firm, we work hard to achieve the maximum compensation for all of our clients. Contact Gregory A. Gold of the Gold Law Firm today for a free consultation at (303) 694-4653.

Allstate Insurance Claims and Bad Faith Insurance

December 11th, 2013

You’ve seen the commercials and heard the slogans: When you’re a member of Allstate, “You’re in good hands with Allstate”. Unfortunately, nothing could be farther from the truth and Allstate works diligently to protect its company’s bottom line and prevent large payouts.

In recent years, Allstate was the subject of investigation by the National Association of Insurance Commissioners for unfair settlements involving bodily injury claims in 45 states. Their software program, known as Colossus, improperly calculated settlement claims and Allstate was forced to pay a $10 million regulatory settlement as a result of this investigation.



How bad is Allstate? So bad, that the American Association for Justice once ranked Allstate as the worst insurance company in America. They received this ranking in large part for their continued engagement in bad faith practices, such as denying and delaying valid claims.


Even Allstate’s former CEO Thomas Wilson admitted that their dedication was solely to their shareholders—and NOT their policyholders. Allstate even gives awards to adjusters who deny the most claims and hold shredding document parties.



If you are one of Allstate’s policyholders, this news may come as quite a shock. Sadly, Allstate is not the only insurance company who engages in this type of bad faith behavior. They are just one of many large insurance companies that care more about their bottom line than their policyholders.



As such, when you are involved in an accident of any kind, you need an experienced Colorado insurance lawyer on your side to negotiate with insurance companies on your behalf and obtain the maximum compensation for your injuries.



At the Gold Law Firm, we don’t let the large insurance companies take advantage of our clients and we don’t let them offer our clients a low-ball settlement offer. Instead, we hold them accountable and we fight aggressively for our clients to ensure that they receive the compensation they need to fully recover.



Before you speak to an insurance company, it is crucial that you contact a Colorado insurance attorney. You may unknowingly damage your claim by speaking with an insurance adjuster. Remember, they are looking for ways to deny your claim or reduce your settlement. Any information you provide them can be twisted to lower your claim.



Greg-GoldIf you or someone you love was injured in an accident or has an insurance dispute you will need an experienced and compassionate Colorado personal injury attorney to handle your case. At the Gold Law Firm, we work hard to achieve the maximum compensation for all of our clients. Contact Gregory A. Gold of the Gold Law Firm today for a free consultation at (303) 694-4653.




What are DUI Accident Injuries?

December 11th, 2013


2010-06-21-jgm-fayettejpg-2551b35f741068d1_largeIf you are injured in a DUI accident, the injuries you sustain could be severe and require extensive medical treatment and rehabilitation. When an intoxicated person gets behind the wheel of a vehicle, their reaction time is slowed. This can lead to more serious accidents, and consequently, more serious injuries.

The severity of your DUI accident injuries will depend largely on several factors:

  • The speed at which the DUI driver hit your vehicle

  • The location of the impact

  • The type of vehicle you were driving

  • The type of vehicle the drunk driver was driving

For example:

If you are riding a motorcycle and a DUI driver in a truck broadsides your bike at a high rate of speed, then your injuries will be significant and could be life threatening.

What are the Types of DUI Accident Injuries?

Types of DUI accident injuries include:

  • Traumatic brain injuries

  • Spinal cord injuries

  • Broken bones

  • Soft tissue injuries

  • Lacerations

  • Amputations

  • Burns

  • Disfigurement

  • And more

How is Liability Determined after a DUI Accident in Denver?

After a DUI accident in Denver that caused serious bodily injury, it can be difficult to place liability. While the DUI driver is certainly liable, there may be other parties responsible for your accident and your injuries, including the bar where the driver was served, the owner of the bar, and even a homeowner who allowed a partygoer to drive drunk. Dram shop liability laws are complicated, however, and require an experienced Denver DUI injury lawyer to help determine liability.

Can I Obtain Compensation for a DUI Injury?

After a DUI accident in Denver, your Denver DUI attorney will need to investigate all aspects of your accident to build your case. If you are injured by a DUI driver, you are able to file a lawsuit and seek monetary compensation for medical expenses, rehabilitation costs, long-term care, lost wages, pain and suffering, decreased quality of life, loss of consortium, and more. Your Denver personal injury lawyer will be able to help you choose the legal path that is best for you and your situation.

Greg-GoldIf you or someone you love was injured in a DUI accident you will need an experienced and compassionate Colorado personal injury attorney to handle your case. At the Gold Law Firm, we work hard to achieve the maximum compensation for all of our clients. Contact Gregory A. Gold of the Gold Law Firm today for a free consultation at (303) 694-4653.

What to do after an automobile or car accident?

November 13th, 2013


A car accident can occur anytime but there are many do’s and don’ts that must be kept in mind if a person is involved in a car accident even if they are not injured. One can get advantage by consulting a personal injury lawyer if they are involved in personal injury litigation stemming from a car accident.

Stay at the accident spot

If an accident occurs in which you suffer injuries or the accident causes property damage, staying at the accident spot is necessary until the police tell you that you can go home. Leaving the accident spot can result in driver’s license sanctions and you can also be charged when the law requires a person to wait for the police.

Help the injured person

If someone is injured in an accident and a person is present there who is trained in administering first aid, then that person can help the injured person. However, care should be taken not to move the injured person from one place to another. The matter should also be reported to the police. The person who calls the police must tell the officer that individuals are injured and should also tell the number of individuals if there are more, so that enough emergency personnel respond to the scene. If it is night time, then people present at the accident scene should turn their flashers on to make the traffic aware of the accident.

Get the related information

If an accident occurs, the person involved in the accident should get all the information given below:

• Name, address, driver’s license number, insurance information, and license plate number of the other driver.

• Name, address, and telephone number of individuals who were present there when the accident happened and who saw it with their own eyes.

• One should ask the police officers who are investigating the incident to provide you with a business card with the incident number, so that you can get an accident report.

• You may also want to note down information about how the accident happened, like the direction of vehicles in which they were travelling when the accident happened and what the vehicles were doing when the collision happened.

Do not admit to any mistake

A person should not accept his/her mistake even if they think that the accident occurred due to their mistake because there are many hidden facts that can prove that the other driver was at fault.

Do not talk to any other individual present at the accident spot other than the police

One should only tell facts related to the accident to the police officers so that they can draw their own conclusion from the facts.

Consult a doctor and get medical care

The person involved in the accident should consult a doctor and tell if they are facing any health issues or having problems after the accident like loss of memory, headache, blood or fluid in ear, spine injury, dizziness, or an unusual physical or mental feeling. It is good to take medical care because there are many problems that can occur as a result of the accident but are hidden.

Greg-GoldIf you or someone you love was injured in an accident or has an insurance dispute you will need an experienced and compassionate Colorado personal injury attorney to handle your case. At the Gold Law Firm, we work hard to achieve the maximum compensation for all of our clients. Contact Gregory A. Gold of the Gold Law Firm today for a free consultation at (303) 694-4653.

Frequently Asked Questions about wrongful death claim in Colorado

October 22nd, 2013


Ambulance emt stretcherA common term you must have come across in an accident or injury case is wrongful death. However, if you are confused about what exactly is wrongful death and how it is dealt in court, these answers will help you.

What is wrongful death?

The term wrongful death is described as the unnecessary or unintentional death of someone caused by the negligence of another person. Common cases of wrongful death include reckless or drunk driving, death caused by an unsafe or defective product etc.

Who can make a wrongful death claim?

According to Colorado’s wrongful death law, close family members are entitled to bring a wrongful death claim. These relations include a surviving spouse, parents of the decedent as well as the siblings of the decedent in case the decedent has no surviving children or parents. In some cases, the exact person who can bring a wrongful death action varies, so it will be helpful to consult an attorney if you are not sure.

What is the amount of compensation that you can obtain?

Several factors determine the amount of damages such as the age and life expectancy of the decedent at the time of death, the decedent’s contributions in the past, occupation and earnings, their health condition at the time of the accident, as well as the decedent’s habits.

What type of damages can you get?

According to Colorado laws, wrongful death claims can be made to obtain monetary damages to cover any earnings which the deceased would have provided. The type of damages cover loss of support, loss of love which the survivor of the decedent suffered from and lost benefits such as insurance. In other cases, the type of damage can also cover punitive damages which are intended to punish the wrongdoer, such as in a drunk driving accident.

Colorado law also allows the survivor to recover any expenses associated with the death of the deceased such as funeral expenses and any medical expenses incurred for treatment of the deceased after the accident.

Do all states have the same laws regarding wrongful death?

No, each state has its own wrongful death laws, so before you bring a wrongful death action, it is a good idea to discuss a wrongful death lawyer in your area who will be familiar with the complex laws of your state and those that apply to your individual claim.

Should I consult an attorney to pursue a wrongful death case?

Yes. It is important that the plaintiff consults a wrongful death attorney because the law in this area is complicated and an attorney will better be able to sort everything out for you.

How quickly should I contact an attorney?

In most cases, it is understood that you contact an attorney just after the accident. This ensures that witnesses are interviewed and details of the accident are recorded while everything is fresh. The longer you delay, the weaker your case can be. Your lawyer will also obtain any photographs from concerned personnel and make sure that your rights are protected at all times.

Greg-GoldIf you or someone you love was killed in an accident or as a result of the negligence of another, you need an experienced and compassionate Colorado wrongful death attorney to handle your case. At the Gold Law Firm, we work hard to achieve the maximum compensation for all of our clients. Contact Gregory A. Gold of the Gold Law Firm today for a free consultation at (303) 694-4653.

Author Bio:

Read about the professional and educational background of attorney Jeanne Morales and see if she is the best shot to represent you in Texas bankruptcy, SSD or immigration cases.