McDivitt Isn't Afraid to Take on Insurance Companies

While insurance is essential to have, it can also serve you the short end of the stick when you actually have to file a claim. Are you aware of these five secrets that insurance companies are keeping from you? Read below and stay informed!

Formal Statements Can Be Traps

It's standard practice for insurance companies to contact you after an accident to give a formal statement. This is a way for them to deny your claim and reduce the amount of your payout. You reserve the right to contact an attorney prior to making a formal statement or talking to a claims adjuster.

First Settlement Offers Are Often Too Low

Insurance companies start with low-dollar amounts and will pressure you into accepting their first offer. Before you even start discussing offers with an insurance provider, speak to a lawyer and they can negotiate a higher payout.

Release Forms Can Wreck Your Case

Insurance companies often insist that they can’t write you a check unless you sign a release form. This act waives your right to pursue additional claims and get further compensation for your injuries and increasing medical bills. Be advised, you should never sign a release form without consulting with an attorney first. An attorney will guide you through the terms of your release and help you obtain more compensation.

Insurance Companies Must Act in Good Faith

Insurance companies are required by law to act in good faith and are required to uphold insurance contracts and pay policyholders in a timely manner. If they engage in unethical practices, which many insurance companies do, you absolutely have the right to take action. When this occurs, your lawyer can file a lawsuit against the insurance company. 

Hiring an Attorney Can Increase Your Settlement

Insurance companies want to settle quickly because they don’t want accident victims to seek legal representation, meaning less money for you. With an attorney, you are more likely to receive a much larger settlement than the insurance companies would like you to think.

McDivitt Law Firm believes everyone deserves justice. All of our services are available on a contingency basis which means you don't owe us anything unless you win your case.



In 1974, Mike and Karen McDivitt started what eventually became McDivitt Law Firm. The firm is rooted in the principle that each person deserves to have equal access to the civil justice system. The McDivitts firmly believe that everyone should be able to have an attorney, whether you can afford one or not. Mike made it clear from the start that he doesn’t get a fee unless he is able to get you the money you deserve for your injuries.

Learn more about our client payment philosophy and
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In 2007, Karen and Mike’s son David joined the firm as the Executive Vice President and Chief Operating Officer. A nationally recognized trial lawyer, David now runs the firm’s litigation and trial group, where he is responsible for both trying and supervising jury trials through verdict.

Over the past several decades, the firm has become one of the largest Personal Injury law firms in Colorado. It is still family-owned, but now Mike and Karen McDivitt are able to provide quality legal representation to thousands more clients than they could when they first opened their doors. With more than 80 staff and attorneys, McDivitt Law Firm prides itself on its ability to provide first-class legal representation to each of its clients, in a way that is affordable to anyone.

To learn more about the McDivitt Law Firm philosophy view our Core Value Videos.

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