Q: Can I sue an insurance company for not covering known car accident expenses?
Over 3 years ago my car was T-boned in the front end when parked and sustained body/axle damage. Their insurance company has been fighting since the beginning about fixing all the axle damage. They sent me to a car body repair place who uses Brakes Plus to fix other issues like axles. Brakes Plus never properly fixed the axle problems on my Volvo. I have been fighting with the insurance company for a while to send my car to an axle repair facility. 8 months ago, the insurance comp. admitted in writing they didn’t know how the accident happened, yet they have copies of complaints I've filed since the beginning along with photos of the accident. I recently paid for the rest of the axle issues to be fixed. They are refusing to reimburse because of statue §13-80-101(n), stating it’s past 3 years. First line of statue states that issue - shall be commenced within three years after the cause of action accrues. They have known about the issue from the beginning. Do I have any legal recourse?
A Colorado attorney could advise best, but your question remains open for two weeks. It sounds like you were trying to negotiate with the adversary vehicle's insurance carrier. Unfortunately, the premise that generally applies in such situations is that an opponent is not under an obligation to protect you regarding the statute of limitations. You could consult with a Colorado attorney to see if any options still remain. Good luck
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