How Insurers May Try to Take Advantage of Veterans with Car Crash Injury Claims in Colorado

On this Veteran’s Day, we would like to thank all our Veterans and their families for their service and sacrifice.  Last year on Veteran’s Day, we blogged about the special types of damages Veterans may incur when they are hurt in a crash caused by someone else.  This year, we’d like to let Veterans know about a troubling trend we are seeing more frequently from some of the liability insurers in Colorado.

In Colorado, a personal injury victim is entitled to be compensated for her damages caused by the negligence of another person.  Those “damages” include medical bills. 

The amount of money a personal injury victim in Colorado is entitled to receive for her medical bills is the amount billed by the medical provider, not some lesser amount, such as the amount paid by her health insurer.

 In the case of a Veteran with Tricare who is hurt in a crash and initially treated in a civilian hospital, she is entitled to recoup the entire hospital bill (part of which must be repaid to Tricare).  The right to collect the entire amount billed is not applicable in every state, but it remains the letter of the law in Colorado.  In spite of this, here’s how some insurers may try to take advantage of Veterans with Car Crash Injury Claims in Colorado:    

Some insurers will offer an unrepresented injury victim a paltry sum for her pain and suffering and, under the terms of a settlement, will offer to pay back the Veteran’s benefits provider (like Tricare or the VA), but will offer the injured Veteran NOTHING for her “share” of the medical bills!

If the Veteran comes out of a settlement owing nothing to a medical provider, why should she care if she did not personally receive compensation for any medical bills?  Because she was entitled to more under Colorado law and because the insurance company abused her trust in the friendly claims adjuster to line the pockets of its shareholders. 

If you think this is the only way liability insurers take advantage of unwary claimants (including Veterans), think again:  at at-fault driver’s insurance company does not have an injury victim’s best interests at heart; the adjuster’s sole objective  is to get a signed release of his insured for as little money as possible.  Offering to pay less than they should for medical bills is just one way to accomplish this end goal.   

Want to learn more about issues which are unique to injured Plaintiffs who are also Veterans?  Read our blog post from a year ago:


If you or a loved one is a Veteran who was injured in a traffic crash because of another driver’s negligence, contact the Colorado Springs Injury Attorneys at Rosenbaum & Wootton, P.C. to schedule your free consultation by calling 719.634.0102 or click on this link to schedule your FREE INITIAL CONSULTATION.  

This entry was posted in Auto Accident, BLOG, Car Accident, Colorado Springs, Dealing With The Insurance Company, Motor Vehicle Accident, Personal Injury, PRACTICE AREAS. Bookmark the permalink.

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