Handling Travelers Truck Insurance Claim – Colorado

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Insurance companies love to promote the ease and simplicity with which they handle insurance claims; however, handling a claim is often an intense process that requires patience, keen negotiating skills, and experience. Mismanagement of the claims process can even result in a claim being denied or paid out for pennies on the dollar.

If you or a loved one has been injured in an accident involving a truck in Colorado and are interested in filing a claim against Travelers, or you just want to learn more about the claim filing process, call Zinda Law Group at (800) 863-5312 to receive a free case evaluation with one of our experienced trucking accident attorneys.


Trucking accidents come in many varieties. Each type of trucking accident presents its own set of unique challenges with respect to navigating the Travelers claims process. Thankfully, Zinda Law Group has experience settling and litigating a broad range of trucking accident claims. Listed below are several of the trucking accident Travelers claims we handle.

Rear-end Collisions

Truck drivers often haul massive freights that may impair the vehicle’s ability to come to an abrupt or timely stop. When a truck driver cannot stop in time, the risk of a rear-end collision skyrockets. In addition to the likelihood of the victim’s car being totaled, these collisions also have the potential to lead to devastating injuries, such as temporary or permanent paralysis.

Blind-Spot Collisions

Given their design, eighteen-wheelers and other big rig trucks have very large blind spots. These blind spots can make it hard for a truck driver to see passing vehicles. Failure to notice a passing vehicle may lead to a collision between the truck and the passing automobile, or may even cause a multi-vehicle accident.

Head-On Collisions

Head on collisions may occur when a truck driver loses control of the vehicle, such as when poor weather conditions exist. Head-on collisions may also result from an over-worked driver falling asleep behind the wheel. Sadly, these collisions are not uncommon in Colorado and often have fatal consequences.

Wide-Turn Collisions 

Wide-turn accidents typically occur when a truck driver is attempting to make a right-hand turn. In order to make the turn, the driver will often swing the truck to the left to create a better turning angle. However, this maneuver increases the risk of the truck colliding with a vehicle on its left-hand side.  


Poor weather conditions like icy mountain passes or driver fatigue may also cause rollovers, particularly if the truck driver loses control of the vehicle. If other motorists are in the truck’s path, they are at risk of sustaining serious injury.

Lost-Load Accidents

Lost-load accidents occur when the freight on a truck is improperly loaded or secured. Such negligent handling poses a risk of objects disembarking from the truck’s cargo bed, and puts nearby motorists in harm’s way.


After being injured in a trucking accident, you may have to file a claim with Traveler’s if the at-fault party is insured by them or if you have personal coverage through a policy with Traveler’s.

 Filing a Claim with Traveler’s

You can file a claim with Traveler’s using any one of the following methods:

  • By phone at 1-800-252-4633,  
  • Online at Travelers.com; or
  • By contacting your personal Traveler’s insurance agent if you have a policy with Traveler’s.

Initiating a claim will require you to provide information regarding the accident that led to your injury, including the date and time of the accident, the location of the accident, and any resulting injuries or damages.

Keep in mind that it may be in your best interest to consult with an experienced trucking accident attorney before sharing the details of your injury with Traveler’s. This is because the answers that you provide when filing a Colorado truck accident claim could end up reducing the value of your claim. For instance, admitting fault may diminish or destroy your claim’s value. An experienced trucking accident attorney may be able to provide valuable advice regarding best ways to preserve any rights and remedies that are available to you.

The Role of a Claims Adjuster

After filing a claim with Traveler’s, the claim will be assigned to a claims adjuster. The adjuster will then investigate your claim. For instance, the adjuster may interview witnesses to the accident, conduct a physical inspection of your vehicle, or review any relevant documentation such as police reports and medical records. After investigation, the adjuster will report back to Traveler’s with a detailed summary of what the adjuster believes your claim is worth. Based on this information, Traveler’s will appraise the value of your claim, or determine how much it is willing to pay you.

You Can Negotiate Your Claim

Insurance companies such as Traveler’s understand that trucking accident victims are in dire need of money to pay medical bills and take care of other expenses. As a result, these companies may pose an initial settlement offer that is well below the claim’s actual value, hoping that the vulnerable trucking accident victim will accept without hesitation.

However, it is important to remember that trucking accident claims can be negotiated. Negotiation involves a series of communications between the victim and the claims adjuster. The goal of the process is for the trucking accident victim to convince the claims adjuster that the claim is worth more than what the adjuster’s damage report says it is.

Effective negotiation requires patience and attention to detail. In order to maximize the value of your claim, be sure to emphasize your injuries and support your position with hard evidence such as property repair estimates and medical bills.

Consulting with an Attorney

Navigating an insurance claim following a trucking accident can be a frustrating and time-consuming process. Hiring a Colorado trucking accident attorney with experience handling such claims may provide several benefits. For instance, an attorney may be able to thoroughly investigate the circumstances surrounding the accident and develop evidence which can validate the value of your claim.

An attorney may also negotiate with insurance companies on your behalf. If a settlement agreement cannot be reached, an attorney may file a lawsuit on your behalf against all necessary parties. Finally, an attorney may be able to provide legal advice regarding best ways to protect your legal rights.


Following a trucking accident lawsuit, the at-fault party or their insurance company may be required to pay the victim for costs incurred as a result of the accident. This compensation, also referred to as “damages,” comes in two forms: economic damages and non-economic damages.

Economic damages are identifiable, objective costs incurred by the victim of a trucking accident. In trucking accident cases, economic damages may include:

  • Medical bills (e.g., doctor’s appointments and hospital stays)
  • Pharmacy bills (e.g., prescription drug costs)
  • Rehabilitation bills (e.g., physical therapy)
  • Future medical costs
  • Property repair costs
  • Lost income and wages
  • Future lost income
  • Loss of earning capacity

Non-economic damages are intangible losses suffered by a trucking accident victim, typically relating to the victim’s diminished capacity to enjoy life. Non-economic damages are typically evaluated by the jury in a lawsuit. Types of non-economic damages in a trucking accident case may include:

Punitive damages are a separate class of damages that may also be awarded in narrow circumstances. Because punitive damages are a form of punishment, this class of damages is reserved only for cases where the at-fault party acted intentionally or with malice.


A “statute of limitations” is a legal time-limit on which a person must file a lawsuit. Failure to file a lawsuit within the statute of limitations may lead to forfeiture of some or all legal rights and remedies. Statutes of limitations vary from state to state.

In Colorado, there is a three-year statute of limitations for filing trucking accident claims. This means that if you were hit by a truck, you must file a lawsuit against the at-fault party no later than three years from the date of the collision. If the accident resulted in the death of an individual, the surviving family members of the decedent may pursue a wrongful death claim. In Colorado, the statute of limitations for a wrongful death claim is two years from the date of the person’s death.


Handling a trucking insurance claim by yourself can be a workload. Filling out pages of paperwork can be mundane. Negotiating against multi-million-dollar insurance companies can be intimidating.

Thankfully, Zinda Law Group’s team of trucking accident attorneys is ready and willing to help protect your rights. Our attorneys understand the insurance claims process and have years of experience handling, settling, and resolving insurance claims. Let us work for you while you work on getting back on your feet.

Learn about our No Win, No Fee Guarantee

Our firm believes that an injured victim in Colorado should never have to worry about being able to afford excellent legal representation. That is why we offer 100% free consultations, and why you pay nothing unless we win your case. That’s our No Win, No Fee Guarantee.

To learn more about filing a claim and what our team of Colorado trucking accident attorneys can do for you, call Zinda Law Group at (800) 863-5312 to receive your free case evaluation.

Meetings with attorneys are available by appointment only.