Personal Injury Attorney Denver

“I worked for the insurance industry for seven years but I was shocked and angry to learn that their goal is never to help people, not even their own customers. Their goal is to cut their losses and reduce their risk. So, I switched sides and have been fighting for victims’ rights ever since. I have a history of winning cases and it is my personal mission to find every dollar that my clients are due. After what you’ve been through, you deserve the very best.”   —Scott O’Sullivan

Are You Okay?

If you’re reading this, chances are you’ve been in an accident or someone you love has been hurt in an accident. First, I hope that the injuries you’re facing are manageable… though I know nothing seems very manageable after a car or motorcycle accident. Not only might you be fighting through pain from your injuries, but there’s the insurance and the damage to your car or bike, the fear of the mounting bills… and what if you can’t get back to work or lose your job? So, first and foremost, I want you to know that I’m sorry you’re facing this. Through no fault of your own, your life has been affected by someone else’s carelessness, which is frustrating and confusing. It can leave you wondering, “Why me?”

I’d be honored to help you.

Here are the ways that we can help you not only cope with the day-to-day decisions but also protect your rights and make sure that you secure compensation for your loss, pain and suffering:

We will make and take all the calls

Once you decide to work with The O’Sullivan Law Firm, we can take all of the insurance company’s calls off your hands. In fact, once you sign with an attorney, insurance companies are not allowed to call you. Imagine just wiping that “Insurance To-Do List” out of your life and focusing on the things that really matter: healing, getting back to work, buying a new bike or car.

We will make sure the insurance companies are cooperating properly

Sadly, insurance companies do not always step up and do the right thing after an accident. In fact, not only will the other driver’s insurance company do everything in its power to avoid paying you, but your own insurance company might hide resources that they owe you! I kid you not when I say that insurance companies are knowingly hiding money from their own clients. You can read more about this disturbing trend here. We can make sure that you receive what you’re owed.

We will help to reduce your medical bills

Most people don’t know that they can negotiate lower bills with hospitals. A very big part of what I do is to get your medical bills reduced so that, once you receive a settlement from your case, more money goes into your pocket instead of to the doctors and hospitals. Additionally, Colorado has something called a “Make-Whole Law.” It is very powerful but you must access it in a very specific way or you could lose your right to thousands of dollars. Under this law, if you’re able to demonstrate that you have received all of the insurance policy limits from the at-fault driver and the policy limits from your underinsured motorist policy limits (if you had this type of coverage), there is a presumption that you have not been fully compensated and the health insurance company can be forced to reduce its bills to nothing.

In other words, if you’ve received all the money that you can get from any insurance available, the law assumes that you have not been fully compensated and your health insurance company’s right to recovery can go to zero. But the only way to take advantage of the Make-Whole Law is to systematically and chronologically file documentation that proves you used all of the other resources available to you and that you still require care. These are complex legal documents and one misstep can cost you the coverage. This is a small piece of what we take care of on your behalf.

We will help to be sure you receive proper medical care

Unfortunately, in my line of work, I see many victims of car and motorcycle accidents. Even worse, I often discover that they aren’t receiving the proper medical attention for their injuries. Not only is this bad for their long-term health, but it can be bad for their case. If you don’t receive proper care after an accident, you may not fully understand the long-term issues you’ll face, which means you won’t understand the costs you’ll incur in the future just to stay healthy. If you want to secure enough money for your long-term care, you need to be proactive now. I can help you to find the care you need.

We will work to keep your credit score stable throughout the process

Colorado is a tort-based system, which means the at-fault driver’s insurance won’t pay for anything until all expenses are settled, and that can take a very long time. In the meantime, your bills are piling up, you’re receiving calls from collections agencies, and your credit score is dropping. But there is an option to deflect all of this pressure until after your case is settled. If it appears that the at-fault driver has adequate insurance coverage, I might recommend that you receive treatment through a medical lien company. These companies function much like a health care PPO in which you are provided with a network of doctors and healthcare professionals that will administer the treatment that you need. When you receive care in this fashion, the medical lien company pays for all of your medical bills up-front and then creates a lien on the final settlement from the at-fault driver’s insurance company. This step may help to protect your credit.

We can do all of this and more for you and you won’t pay me a dime until your settlement comes in because we work on a contingency fee.

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What is a Contingency Fee?

Most lawyers earn an hourly fee so, for obvious reasons, if you’re the victim of a car accident in Denver, you may fret that you will rack up a bill simply by talking with a personal injury attorney. But that is not at all true, or at least it shouldn’t be. Personal injury law is one legal specialty that works on a contingency fee, which is simply a fancy way of saying, “free until we win.” You should pay nothing to your personal injury attorney until he or she secures a settlement for you from your case. At that point, your attorney will recoup some costs and receive an agreed-upon percentage of your settlement.

It Won’t Cost You Any Out-Of-Pocket Dollars To Work With Us

And by the way, it’s free to call me up to discuss your case. I would welcome the opportunity to hear what you’re facing and to offer my help.

Call an Attorney Before Talking to an Insurance Company

Believe me, I know it sounds self-serving when I say this because of all the television commercials we see from personal injury attorneys, but this is the truth: if you’ve been hurt in a car or motorcycle accident, you should definitely speak to an attorney before talking to the other driver’s insurance company. If you speak to the other driver’s insurance company, you may unknowingly ruin your case and risk thousands of dollars that you could use for your medical bills and other losses you’ve experienced as a result of your accident.

The truth of the matter is this: You need to think of the other driver’s insurance company as an adversary. They are looking to protect their interests and, therefore, they will be looking for ways to get out of their responsibility to cover your costs. Don’t give them the opportunity to do this!

Keep the following in mind when dealing with the other driver’s insurance company:

• Do not ever allow them to take a recorded statement.
• By Colorado law, insurance companies are not allowed to use any statement that you make within 15 days of being in care or treatment after an accident. If they try to contact you and take your statement within this time frame, be sure to seek an attorney.

That said, you have a duty to cooperate with your own insurance company and, depending on your coverage, you have a duty to report an accident within a “reasonable amount of time,” typically within at least 30 days. If you don’t report an accident, you could lose your coverage.

If you’re at all confused about your case or you think the other driver’s insurance company is behaving badly, call me. It’s always free to call me up and chat with me to see if you have a case and if you need representation.

Why You Need a Colorado Personal Injury Attorney

We all have friends who are attorneys, right? But I would strongly caution you not to work with an attorney friend whose specialty isn’t Colorado personal injury law. Why? Insurance companies play tricks that only an experienced personal injury attorney knows how to catch. Your buddy, though well-meaning, may not protect your rights effectively. Also, Colorado’s personal injury laws are complicated.

For example, many other states have something called “no-fault insurance.” Colorado used to have no-fault insurance but now we hold the at-fault driver (and their insurance company) responsible for all damages. Simply put: If you’re in an accident in Colorado, the person who is responsible for the accident is responsible for all of the victim’s damages, too. But getting paid by the at-fault driver’s insurance company is not easy. Did you know that the other driver’s auto insurance won’t pay for damages until you are completely done with treatment?

There is no “pay-as-you-go” provision. So, while you are racking up medical bills, your credit may be suffering, and the bills won’t go away until your treatment is complete.

I can help bridge this chasm, helping you to understand other insurance options available and even helping to protect your credit.

Why Should You Consider Working with Me?

Choosing a personal injury attorney in Denver can be hard. It seems like every other commercial on television and radio shouts at you about the giant settlements that big-name attorneys have secured for their clients.

But there is a big difference between the big-name firms, where they churn literally thousands of cases every year, and a smaller firm like mine, where you are a valued person whose case is as critical to us as it is to you. And we often get better results than they do.

Let me tell you a little bit about those big-name firms. (I have several friends who have fled these places and they have shared many horror stories from their days there.) I call those big firms “personal injury mills,” comparing them to the puppy mills. Here’s why: attorneys who have left those giant machines have told me that each attorney typically has 100+ active cases in the pre-litigation phase, and 70 to 100 more cases in litigation. This is an unbearable load! And yet, even with this load, one week a month, each attorney has to answer phones and emails to sign up a fresh quota of new clients.

No wonder that the number-one complaint I hear from former clients of these machines is that they never receive return phone calls. They get pulled into the big blender of cases and then they can’t reach anyone to answer their calls.

You should expect more from your personal injury attorney.

If you work with The O’Sullivan Law Firm, I promise…

• An attorney will handle your case, not a case manager or paralegal: At my firm, you will always work with an attorney and an attorney will always be in charge of your case. We have excellent paralegals supporting our attorneys’ work, but only an attorney — in consultation with you — should make decisions regarding your case.
• We will take time with your case and listen to you: In order to understand the full extent of your injuries and the legal ramifications of your accident, your attorney must take time – often a lot of time – to understand your case. You will get our undivided attention.
• We will seek every opportunity to secure your rights in your case: If a personal injury attorney simply looks at your insurance and the other driver’s insurance to determine the potential value of your case, then he’s not doing his job. There are many, many sources that may be available to you given the details of your unique case. Again, these can only be discovered by an attorney who is willing to listen and to spend time with you on your case. I will be that attorney for you.
• Our work on your behalf is as much vocation as it is our business: Most people become lawyers because they want to help people. Sometimes, however, they get pulled into giant law firm machines that are more concerned about their bottom lines than their clients. You should seek an attorney who is still connected to the reasons that he or she went to law school in the first place: to help people.

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We Get Results

This is a lot of information! But I bet the most compelling reason I can give you to call me is that other clients trust us and we get results:

• Motorcycle Accident: $2,250,000
• Vibrio Vulnificus Food Poisoning Case: $1,750,000
• Motorcycle Accident: $1,500,000
• Rollover SUV Accident: $1,450,000
• Motorcycle Accident Resulting in Death: $900,000
• Auto Accident: $863,000

If you’d like to learn more about the cases we’ve won and the clients we’ve represented, review these case results. I can also connect you with former clients who could describe our work and their experience with our firm. There’s probably no better way to convince you that we’re worthy of your trust than a referral from a former client!

Contact Me

Again, I’m so sorry that your life has been turned upside down by someone else’s actions. It would be an honor to represent you as you put your life back together.

Contact me so that we can discuss your case (of course, for free). You may come away from the call feeling much more optimistic! 303-388-5304

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