California Casualty Insurance of Colorado refuse to pay simple claims colorado springs, Colorado

    The other (at fault) driver is the only one you can go after.  His contract with his insurance company says that they will cover his liabilities.   In your case, they are not offering you what you think the other driver is liable for.   If his insurance company won't budge, your only recourse is to file a small claims suit against the other driver (who is the one who actually owes you for damages).  

  The other driver's insurance company is not only obligated to pay for the other driver's liability (to the limits of the policy), they are also required to defend the other driver if you should sue.    The end result is that although you are suing the other driver, his insurance company will be the ones in court that have to explain to a judge why they think your claim is worth $1600 less than you do.

  Your job will be to show up prepared to document the actual expenses incurred as a result of the other driver's negligence.  If you can convince a small claims judge that your expenses are valid, the judgement will go against the other driver and his insurance company will be forced to pay up.

Best of luck.    Let us know how it works out.

You've almost got it right.  it's because it DOESN'T exceed 3000 that they won't pay it, citing some statute in Colorado insurance law.  I've been poring through it since to see if I can find that statute to see what it REALLY says.  but either way, you're right.  perhaps it would be easier to seek compensation from them instead of the insurance co., and let them battle it out.

You anger is misplaced. If the person that hit you had a max of 3000$ as a pay out on their liability insurance then that's all you get. the insurance company isn't responsible for any more, that's all their customer paid for. At this point you need a lawyer, and you need to take the person that hit you to court for the rest fo the money. They are the one that owes you the money, not the insurance company.

Example: If I buy a 25,000$ liability insurance policy and then hit someone's car that is worth 50,000$ my insurance will only pay them 25,000$ and I would be on the hook for the rest. Clearly the person that hit you had the cheapest, bare minimum, insurance policy they could get if the max is only 3000$  Taking the insurance company to court is a waste of your time, if their policy was paid per their agreement with their customer then you need to go after him, not the insurance.

It doesn't say whether he either had insurance or if your uninsured motorist coverage was paying.

I also DID understand that he was at fault.

Your further information would indicate it may be time to go after him for the shortfall, because it doesn't look like his insurance is going to pay out any further....good luck.

you see, that's the point.  HIS is the liable party.  NOT mine.  the bills are theirs to cover.  as for you saying 'get over it', is $1600 something I could tell you to get over if I wrecked your vehicle?

pay a bit more attention before responding next time, k?

"Isn't the purpose of an insurance company to make things the way they were before the accident happened?"

Not exactly, their obligations are to collect payments from you and pay according to the policy terms.

What does your policy say, you HAVE read it, right?

IF, and that's a BIG IF, they are truly not paying you per your policy, contact your states' insurance commissioner. You do know that better coverage requires a hgher premium, don't you?

If you really don't know what you're talking about or that they ARE following the terms of your policy, get over it.

Perhaps it's time to upgrade your policy.