You’ve been injured. Now the insurance company is calling. Before you say a word—read this.
After a crash, the calls come fast. Adjusters. Claim numbers. Quick offers. You’re in pain, confused, and trying to make sense of your situation—and now the insurance company is pushing for answers.
At Fisher and Associates P.C., we’ve seen how fast things can spiral for accident victims. And we’ve seen what insurance companies do to protect their bottom line.
Here’s how to protect yourself, your rights, and your recovery.
You’re Not Alone—But You Are at Risk
Let’s be real: insurance companies don’t make money by paying out claims. Even the friendliest adjusters are trained professionals with one goal—limit how much they pay you.
You’re recovering from injuries. You might be missing work. Bills are stacking up. And in the middle of that storm, they want you to sign documents or give a recorded statement.
That’s not right.
At Fisher and Associates P.C., we believe in leveling the playing field for Colorado accident victims. You deserve someone who understands the system—and isn’t afraid to fight back.
What You Need to Know About Insurance Tactics
1. Insurance Companies Are Not On Your Side
No matter how nice they sound, adjusters are working for their company—not for you.
Common tactics include:
- Asking for recorded statements early—before you fully understand your injuries
- Pressuring you to sign a release for all your medical records
- Offering fast cash settlements that don’t cover long-term costs
- Downplaying the seriousness of your injuries
These are not mistakes. These are strategies.
2. Your Rights Under Colorado Law
Colorado is an at-fault state. That means the person who caused the crash (and their insurance company) is financially responsible for your damages.
You may be entitled to compensation for:
- Emergency care and future medical bills
- Lost income and reduced earning potential
- Pain and emotional suffering
- Vehicle repairs or replacement
- Loss of enjoyment of life
Important: You are not legally required to speak with the other party’s insurance company or give a recorded statement.
The Mistakes That Can Cost You Thousands
Many people injured in accidents unintentionally sabotage their own cases. Here’s what to avoid:
- Saying too much: Even a casual “I feel okay” can be used to dispute your injury claim.
- Skipping the doctor: Delays in treatment give insurers ammunition to claim your injuries weren’t serious—or related to the accident.
- Signing a release too early: Once you accept a settlement, you can’t go back—even if new accident-related injuries emerge.
- Admitting partial fault without context: In Colorado, partial fault reduces your compensation (comparative negligence).
How a Personal Injury Lawyer Protects You
At Fisher and Associates P.C., we take the pressure off your shoulders. When you hire us:
- We handle all communication with the insurance company.
- We build your case using evidence they can’t ignore—like expert medical reports, accident reconstructions, and witness statements.
- We negotiate aggressively and only recommend settling if it’s truly in your best interest.
- We don’t get paid unless you win.
And unlike other firms, you’ll speak directly with an attorney, not a case manager or intake rep.
And you can trust that when insurance companies try to play hardball, we’re already three steps ahead.
Step-by-Step: What to Do After a Crash
Step 1: Get Medical Care Immediately
Even if you “feel fine,” internal injuries and soft tissue damage can take days to show. And a prompt visit with a medical professional also documents your condition for the record.
Step 2: Notify Your Own Insurance—Briefly
You’re required to report the crash, but keep it short and factual:
- Where and when the crash happened
- Vehicles involved
- Whether there were injuries
Don’t speculate or downplay your symptoms.
Step 3: Don’t Talk to the Other Driver’s Insurance Company
You are under no obligation to give a statement. If they ask, politely decline and refer them to your attorney.
Step 4: Document Everything
Photos of the crash. Copies of medical visits. Emails with adjusters. All of it matters. The more documentation you have, the stronger your claim.
Step 5: Call Fisher and Associates P.C.
Before you negotiate—or sign anything—talk to a lawyer who knows how to build a strong case and protect your future.
What Insurance Adjusters Don’t Want You to Know
- They have payout ceilings: Internal guidelines often cap how much an adjuster is “allowed” to offer without pushback.
- They get bonuses for settling low: Some adjusters are rewarded based on how little they pay out.
- Your claim is worth more than you think.
The Fisher and Associates, P.C. 3-Step Plan
Step 1: Call for a Free Case Review
Talk directly to a lawyer. We’ll listen to your story and suggest next steps.
Step 2: We Handle the Insurance Company
We shield you from calls, tactics, and pressure—while building a rock-solid case.
Step 3: You Get Fair Compensation
Whether through settlement or trial, we fight to get you the full value of your claim.
FAQs
Q: Should I talk to the other driver’s insurance company?
A: No. Let your attorney communicate for you. Even “friendly” questions can be used against you.
Q: What if I already gave a statement?
A: Call us now. We can take over and correct the record wherever possible.
Q: How long do I have to file?
A: In Colorado, the statute of limitations is typically 3 years from the date of the crash—but several factors can shorten that timeline significantly. It’s important that you speak with an attorney as soon as possible after your accident. Don’t wait.
Call Fisher and Associates P.C. Today
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Erica Long represents plaintiffs in all forms of accident cases including car and motorcycle accidents, wrongful death, and slip and fall injuries. She is licensed to practice law in both the State of Colorado and the State of California. Ms. Long earned her bachelor’s degree from the University of California, Berkeley and her Juris Doctor degree from the University of California, Berkeley School of Law.
