Colorado’s New Law Regulating Insurance Companies for Unreasonable Delay and Denial-Effective August 6, 2008
The new law provides Colorado citizens the power to make sure insurance companies pay claims reasonably and timely.
What is this new law? House Bill 08-1407. The objective of the law is to put a stop to unreasonable denials or delays by insurance companies. The law increases the penalties on insurance companies for their unreasonable conduct concerning claims.
“A first-party claimant whose claim for payment of benefits has been unreasonably delayed or denied may bring an action in a district court to recover reasonable attorney fees and court costs, and two times the covered benefit.”
Who benefits from the new law? Colorado citizens claiming insurance benefits from their own insurance company. Injured people in Colorado have been powerless to bring large claims against insurance companies because attorneys’ fees could eat up much of their settlement money. The new law provides Colorado citizens the power to make sure insurance companies pay claims reasonably and timely by requiring unreasonable insurance companies to pay the owed benefits, double damages, and attorneys’ fees.
For example, let’s say your claim has damages of $30,000, and the insurance company unreasonably delayed or denied the claim. Under the new law, you could receive double the $30,000 plus attorneys’ fees (let’s say $10,000). Therefore the insurer would have to pay you $70,000 ($10,000 of which would pay your attorneys’ fees) for their violation of the new law.
“A person engaged in the business of insurance shall not unreasonably delay or deny payment of a claim for benefits owed to or on behalf of any first-party claimant.”
What type of provider can be penalized by this new law? The law applies to health insurers, disability insurers, auto insurers, and nearly any other insurance type. The law does not apply to workers’ compensation insurance, life insurance, and title insurance. If you believe that workers’ compensation, life insurance, and/or title insurance has unreasonably denied your claim, you cannot use this new law. However, you may be able to use other laws to help you seek benefits.
When does the new law go into effect? The new law went into effect on August 6, 2008. However, the language of the law is not clear as to how that date practically plays out. It is unclear whether the law applies only to claims after August 6, 2008, or if it applies to claims that have been ongoing for the past year or two.
If you’d like to view this Bill:
- go to Colorado General Assembly website http://www.leg.state.co.us/
- Follow the “Bill Digest” link
- Go to 2008 Bill Digests
- The “Digest of Bills – 2008” is categorized; follow the “Insurance” link
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