If you were injured in a car accident in Denver or suffered property damage in Colorado and the at-fault driver is insured by **Auto-Owners Insurance Company**, you may need to file a claim against their policy. Unfortunately, Auto-Owners Insurance Company has a reputation for **delaying, undervaluing, or even denying legitimate claims**. Understanding the process of filing a claim against Auto-Owners can help you protect your rights and increase your chances of receiving fair compensation.

If you need help, contact **Malman Law Firm**.

### Steps to File a Claim Against Auto-Owners Insurance Company

Here is a step-by-step guide to filing your claim effectively:

**1. Report the accident** – Report the accident immediately to the police and obtain a copy of the report. This will serve as important evidence in your claim.

**2. Notify Auto-Owners Insurance Company** – Contact Auto-Owners to report the accident. You can call the claims department or file the claim on their website or mobile app.

**3. Gather documentation** – Collect all relevant documents, such as medical records, repair estimates, photos of the accident scene, witness statements, and proof of lost income.

**4. Work with the claims adjuster** – Auto-Owners will assign a claims adjuster to investigate your case. Be careful when speaking with them; their goal is often to limit the payout.

**5. Negotiate the settlement** – When Auto-Owners makes an offer, review it carefully. Many initial offers are lower than what you could actually receive.

**6. Contact us** – If your claim is denied or undervalued, consider working with a personal injury attorney. At Malman Law Firm, we can handle the negotiations or even file a lawsuit if necessary.

### Why Claims Against Auto-Owners Insurance Company Are Difficult

Auto-Owners Insurance Company is one of the largest insurers in the United States, and like many insurance companies, its priority is **to protect its profits**, which generally means:

– Delaying claims to pressure you into accepting lower settlements
– Using aggressive tactics to dispute injuries or damages
– Making low offers that do not cover the full extent of your losses
– Denying claims without sufficient justification

Having a lawyer on your side can change the outcome and improve your chances of obtaining fair compensation.

### When to Consider Suing Auto-Owners Insurance Company

If Auto-Owners refuses to pay a fair settlement, you may need to file a lawsuit. Common reasons for suing include:

– Denied insurance claim
– Excessively delayed processing
– Bad faith on the part of the insurer
– Offers significantly below your documented losses

In Colorado (and many other states), insurers are required by law to act in good faith. If Auto-Owners fails to do so, they may be held legally liable.

### Tips for Filing a Successful Claim

– Keep detailed records of all communications with Auto-Owners.
– Never sign documents or accept payments without reviewing them carefully.
– Avoid giving recorded statements without legal advice.
– Seek medical attention immediately to document your injuries.
– Consult with an attorney before accepting a settlement.

### Frequently Asked Questions: Claims Against Auto-Owners Insurance Company

**How do I file a claim with Auto-Owners?**
You can start the process on their website or through their mobile app. Also, report the accident to the police.

**Does Auto-Owners deny valid claims?**
Yes. Auto-Owners has a history of denying or undervaluing claims. Having a lawyer can help you avoid an unfair settlement.

**How long does it take to resolve a claim?**
It varies by case, but it can take weeks or months. Delays are common when the insurer disputes damages or liability.

**Can I sue for bad faith?**
Yes. If Auto-Owners acts in bad faith—by denying, delaying, or underpaying—you can file a lawsuit for additional damages.

### Get Help with Your Claim

If you’re dealing with a claim against Auto-Owners, don’t go through the process alone. An experienced attorney can protect your rights and fight to get you the compensation you deserve.

📞 Call us: **(303) 594-8861**