blog home Truck Accident How Insurance Companies Handle Colorado Springs Truck Accident Claims

How Insurance Companies Handle Colorado Springs Truck Accident Claims

By Timothy Bussey on November 17, 2025

If you’ve been injured in a truck accident in Colorado Springs, your first instinct might be to rely on the insurance company to do the right thing. After all, they’re supposed to cover the damage and ensure you’re compensated for your losses. But insurance companies are businesses, and they are dedicated to saving money.

At The Bussey Law Firm, P.C., we’ve seen how insurance companies prioritize their bottom line, and we know the settlement tactics and adjuster strategies they use to minimize what they pay. In this blog, we’ll break down how insurance companies handle truck crash cases, offer tips for handling evidence, and share our strategic legal approach for maximizing your claim from day one.

Truck Accident Claims Are Very Complicated

Commercial truck collisions trigger an aggressive response from insurers who know that claim values can reach six or seven figures. There are a number of factors that make semi-truck collisions more complex than other types of motor vehicle accidents:

Multiple defendants (driver, trucking company, broker, maintenance provider)
Commercial insurance with higher policy limits
Federal and state trucking regulations
Employer liability issues (respondent superior or negligent hiring)
Extensive damage and long-term injuries

The Insurance Adjuster Is Not on Your Side

When an insurance adjuster contacts you, they may seem helpful or even sympathetic. But make no mistake: their job is not to help you. Their job is to protect the insurer’s financial interests by limiting the payout.

Insurance adjusters frequently engage in underhanded strategies because that’s what they’re trained to do:

Requesting recorded conversations to lock you into statements that may hurt your case
Asking broad questions about pre-existing injuries or your daily life
Offering quick settlements before the full extent of your injuries is known
Downplaying long-term consequences or blaming you for the crash
Delaying communication to pressure you into settling out of frustration

How Your Attorney Can Help You Preserve Evidence

It’s important to act fast to preserve evidence after a semi-truck crash. It can be lost, destroyed, or altered within days if you’re not proactive. Your truck accident attorney will take steps to protect and retrieve key evidence:

Electronic Logging Devices (ELDs): These record driving hours and can prove fatigue or hours-of-service violations.
Dash cam or surveillance video: Footage from nearby businesses or traffic cameras may capture the crash.
Black box data: Commercial trucks often have data recorders that track speed, braking, and steering.
Driver logs and maintenance records: Can reveal negligence or rule violations.
Photographs of the scene: Including vehicle damage, skid marks, and weather conditions.
Witness statements: Collected early, these can support your version of events.

What to Do After a Truck Accident

To protect the value of your claim, take the following steps as soon as possible:

Call 911 and get medical attention

Your health comes first, and a medical record also documents your injuries from the beginning.

Get a copy of the police report

Truck accident reports in Colorado include detailed information about contributing factors and driver statements.

Avoid speaking with the trucking company’s insurer

You’re not obligated to give a statement without legal representation. Politely decline and refer them to your attorney.

Hire a truck accident attorney

The sooner you involve a legal team, the sooner they can send preservation-of-evidence letters and begin properly investigating your case.

Settlement Tactics to Watch Out For

Never accept a settlement without talking to your lawyer. Insurance companies know you may be feeling overwhelmed and you could be dealing with serious injuries. Their strategy revolves around exploiting that vulnerability.

Insurance agents make the following types of deceptive statements:

“We accept responsibility” – Sounds helpful, but often used to rush you into a low offer.
“This is our final offer” – Almost never true. These are negotiation tactics designed to push you into a quick agreement.
“You don’t need a lawyer” – This is a red flag. If they didn’t think legal representation would hurt their case, they wouldn’t try to talk you out of it.

Our Approach to Protecting Your Truck Accident Claim

At The Bussey Law Firm, P.C., we take an aggressive legal approach to truck accident insurance claims. We work to build a solid case so insurers know we’re ready to take it to trial if necessary.

Our legal strategy includes:

Immediate evidence preservation: Sending spoliation letters to trucking companies to prevent destruction of data
Thorough investigation: Including accident reconstruction, review of logbooks, driver qualifications, and maintenance history
Expert consultations: With trucking safety experts, medical professionals, and vocational specialists
Accurate valuation of losses: Including medical bills, lost wages, future care, pain and suffering, and diminished earning capacity
Negotiation leverage: Presenting insurers with solid documentation and legal grounds

Reasons to Choose the Bussey Law Firm, P.C.

Timothy R. Bussey is a nationally recognized trial attorney with over 30 years of legal experience. He was named as a Top 10 Trucking Trial Lawyer in Colorado by The National Trial Lawyers and he also received a Gold Client Champion award from Martindale-Hubbell.

The Bussey Law Firm, P.C. has recovered millions for injured clients, and we’re ready to fight for you. When you choose our firm, you get: