COLORADO GUIDE 09
Colorado Claims Handling, Unreasonable Delay & Insurance Bad Faith
Colorado regulates insurer conduct through common-law duties, unfair-claims statutes and the statutory unreasonable-delay and denial remedies in C.R.S. §§ 10-3-1115 and 10-3-1116.
- Preserve the claim chronology, requests, responses, offers, denials and coverage positions.
- Separate first-party benefit disputes from third-party liability claims.
- Identify what evidence the insurer had when each decision was made.
- Review current statutes, Division of Insurance rules and controlling Colorado decisions before characterizing conduct or remedies.
Related resources: Claims Handling & Delay and the Colorado Clean Claim System.
Publication review note — September 17, 2026. Verify current C.R.S. §§ 10-3-1115 and 10-3-1116, applicable regulations and controlling authority before publication.
VictimsGuide 