You pay your premiums and follow the rules. But when someone hits you and disappears, their insurance claim gets denied, or they are driving on a canceled policy, you can be left covering the damage. In this episode, we break down one coverage many people waive without fully understanding: uninsured and underinsured motorist insurance. It can protect your family when the at-fault driver cannot.

We go beyond the policy language to explain how claims actually get denied, how coverage can stack across household policies, and why your own insurance company may fight your claim. We also discuss when bad faith claims come into play and how a $50,000 policy could potentially become $150,000 or more when an insurer mishandles your case.

If you've been in an accident with an uninsured or underinsured driver, this episode will help you understand your coverage and know where to look next.

Key Timestamps: 

[00:00:00] Introduction

[00:00:42] Why UM/UIM is optional in Colorado

[00:01:46] Uninsured vs. underinsured coverage

[00:03:15] How many Colorado drivers are uninsured

[00:04:30] Road rage, intentional acts, & denials

[00:06:45] Case study: Canceled insurance before a crash

[00:08:20] The two-bucket UM/UIM analogy

[00:10:15] Why $25,000 limits disappear fast

[00:12:00] Stacking UM/UIM across household policies

[00:13:30] Motorcycle hit-and-run: $22K to $200K

[00:15:00] When your insurer becomes adversarial

[00:17:19] What insurance bad faith means

[00:18:45] Double benefits plus attorney’s fees

[00:20:18] Walkers, cyclists, & rideshare coverage

[00:21:30] Accessing claim notes in bad faith cases

Memorable Quotes:

"The only way to truly protect yourself against someone who doesn't have enough insurance or has no insurance whatsoever is to add on the optional coverage of UM/UIM." [00:11:01] – Jordan Travis

"I just don't trust that if we were to get in an accident through no fault of our own, whoever did cause the fault, I don't want to rely upon that coverage. I want to be able to protect my family the way I want to." [00:22:14] – Jordan Travis

Connect with Travis Legal Offices:

Website: https://travislegaloffices.com/

Instagram: https://www.instagram.com/travislegal/

Facebook: https://www.facebook.com/profile.php?id=100068258875556

Produced by Evolved Podcasting: www.evolvedpodcasting.com

Travis Legal Offices is becoming Rampart Injury Lawyers. We walk through the decision to stop naming the firm after attorneys and start naming it after what it does and who it protects. The rebrand ties the firm to the Rampart Range between Denver and Colorado Springs, and to the idea of a wall built to shield clients when they're most vulnerable.

The focus is on helping people find the right support faster after a car accident, truck crash, or serious injury. We explain what stays the same, what has changed, and why the firm's approach to every case will remain unchanged, no matter what the logo says.

Key Timestamps: 

[00:00:00] Introduction

[01:15:00] Why the Rebrand

[02:30:00] The Firm's History

[03:45:00] Why "Injury Lawyers"

[04:30:00] The Meaning of "Rampart"

[05:15:00] The Rampart Range

[06:00:00] A Wall of Protection

[07:15:00] The New Brand

[08:00:00] What's Coming

Memorable Quotes:

"Our job is to be that wall between that sense of anxiety, dread, and just try to help." [00:05:22] – Jordan Travis

"I want people who are in need of injury attorneys to be able to find us quickly, easily, and then let us take it from there. Defend them and help protect them when they need it the most." [00:08:31] – Jordan Travis

Connect with Travis Legal Offices:

Website: https://travislegaloffices.com/

Instagram: https://www.instagram.com/travislegal/

Facebook: https://www.facebook.com/profile.php?id=100068258875556

Produced by Evolved Podcasting: www.evolvedpodcasting.com

The moments after a car crash feel chaotic, but insurance companies are already calculating how to pay you as little as possible. While you're checking for injuries and catching your breath, critical evidence is disappearing, and your words are being weaponized against your future claim.

We break down the strategic moves that protect your case before the insurance games begin. From the photos most people forget to take to the recorded statement trap that catches nearly everyone, this episode reveals why the first 72 hours determine whether you'll get fair compensation or become another statistic in the insurance company's profit margins.

Key Timestamps: 

[00:00:00] Introduction

[00:02:02] First actions at the crash scene

[00:05:14] Why calling 911 matters even for minor crashes

[00:10:12] The 24-hour medical evaluation window

[00:16:10] The recorded statement trap insurance companies set

[00:22:54] Evidence preservation and attorney involvement

[00:30:47] Early settlement offers and why they're almost always unfair

Memorable Quotes:

"The insurance company is always going to choose to believe the option that results in them paying the least amount of money possible." [00:06:42] – Jordan Travis

"Everything you say will not only be used against you, but everything you don't say will be used against you." [00:14:54] – Jordan Travis

Connect with Travis Legal Offices:

Website: https://travislegaloffices.com/

Instagram: https://www.instagram.com/travislegal/

Facebook: https://www.facebook.com/profile.php?id=100068258875556

Produced by Evolved Podcasting: https://www.evolvedpodcasting.com

Semi-truck accidents are not just a bigger car crash — they're a completely different kind of case. The forces are up to 25x greater, the injuries are more severe, and the evidence gets destroyed if you don't act fast.

In this episode, you'll learn the federal safety rules that are supposed to protect you, how trucking companies cut corners that put you at risk, and how a lawyer can help you find out who's liable and hold them accountable. Plus, find out the two most dangerous spots in Colorado for truck accidents.

Topics Discussed:

Introduction (00:00)

The physics of semi-truck accidents (00:59)

Underriding and why injuries are so severe (04:59)

Common accident types and their causes (07:20)

Federal Motor Carrier Safety Regulations (13:31)

The web of liability: finding out who is at fault (20:58)

Minimum insurance limits in Colorado (24:10)

Why evidence disappears in so many cases (25:25)

Known hot spots in Colorado (28:00)

Connect with Travis Legal Offices:

https://www.facebook.com/profile.php?id=100068258875556

https://www.instagram.com/travislegal/

https://www.linkedin.com/company/78072591/admin/dashboard/

Learn more about Travis Legal Offices:

https://travislegaloffices.com/

Produced by Evolved Podcasting: www.evolvedpodcasting.com

Insurance limits can be the difference between “covered” and “on your own.” 

This episode breaks down everything you need to know about limits — what they actually mean, how property damage and bodily injury coverage work, and why “extra” coverages matter more than most people realize. You'll learn how the law can help you uncover all the policies that might apply to your case (and even put more money on the table for your claim).

Topics Discussed:

Introduction (00:00)

What are insurance limits? (01:20)

Liability limits: property damage coverage (02:07)

First-party coverage vs. third-party coverage (03:26)

Bodily injury coverage + Colorado state minimum (06:49)

Per person vs. per accident coverage (08:50)

UM/UIM coverage: the “second bucket” (10:38)

Additional optional coverages (12:59)

How do you find out your limits and what policies apply? (15:23)

Resident relative coverage (19:03)

How limits impact your case and medical decisions (21:14)

How to access multiple buckets of coverage (23:22)

When to go through your insurance vs. the other party (25:15)

Connect with Travis Legal Offices:

https://www.facebook.com/profile.php?id=100068258875556

https://www.instagram.com/travislegal/

https://www.linkedin.com/company/78072591/admin/dashboard/

Learn more about Travis Legal Offices:

https://travislegaloffices.com/

Produced by Evolved Podcasting: www.evolvedpodcasting.com 

The biggest mistakes after a crash usually come from what people don’t know they’re entitled to. From trusting your insurance company to signing settlements early, this episode breaks down the most common myths keeping people from hiring an attorney and getting the settlement they deserve.

You’ll learn about the benefits most people don’t realize they have, why having insurance doesn’t all mean you’ll get a payout, and how working with a firm like Travis Legal Offices is always a win-win!

Topics Discussed:

Introduction (00:00)

Why you can’t lose seeking legal advice (03:10)

Myth #1: insurance will cover you (04:03)

Myth #2: insurance companies disclose limits (07:07)

Myth #3: your injuries aren’t a big deal (10:58)

Myth #4: attorneys are expensive (15:51)

Myth #5: big law firms get bigger settlements (20:02)

Myth #6: it’s easy to commit insurance fraud (28:41)

About Our Guest:

Mackenzy Travis earned a Bachelor of Science in Psychology from the University of Colorado and a Master’s in Sports and Exercise Psychology from the University of Northern Colorado. She started her career as a paralegal in 2022, and works with personal injury clients from intake through trial.

Connect with Travis Legal Offices:

https://www.facebook.com/profile.php?id=100068258875556

https://www.instagram.com/travislegal/

https://www.linkedin.com/company/78072591/admin/dashboard/

Looking for experienced personal injury attorneys who prioritize your case and provide personalized attention? Learn more about Travis Legal Offices and discover how their small firm approach can make a big difference for you: ⁠https://travislegaloffices.com/⁠

Produced by Evolved Podcasting: www.evolvedpodcasting.com

What separates small law firms from big ones? Turns out, a lot.

In this episode, Susan and Jordan Travis of Travis Legal Offices share why they’ve intentionally stayed small and the benefits of working with a smaller firm. You’ll learn how insurance companies think, why you should hire a lawyer after an injury, and what to look for in a personal injury law firm!

Topics Discussed:

The origin story of Travis Legal Offices (00:00)

Why we decided to stay small (04:59)

How we turned a $0 offer into a 7-figure settlement (12:19)

Why so many people don’t hire attorneys (15:16)

The benefits of working with a small firm (16:17)

The surprising factor that impacts settlement offers (25:28)

About Our Guest:

Susan Travis helped found Travis Legal Offices, LLC, previously Todd A. Travis, PC, in 1998. As a practicing paralegal since the 1980s, she's experienced in the personal injury claims process and firm administration.

Mackenzy Travis earned a Bachelor of Science in Psychology from the University of Colorado and a Master’s in Sports and Exercise Psychology from the University of Northern Colorado. She started her career as a paralegal in 2022, and works with personal injury clients from intake through trial.

Connect with Travis Legal Offices:

https://www.facebook.com/profile.php?id=100068258875556

https://www.instagram.com/travislegal/

https://www.linkedin.com/company/78072591/admin/dashboard/

Looking for experienced personal injury attorneys who prioritize your case and provide personalized attention? Learn more about Travis Legal Offices and discover how their small firm approach can make a big difference for you: ⁠https://travislegaloffices.com/⁠

Produced by Evolved Podcasting: www.evolvedpodcasting.com

You've just been in an accident. Your mind is racing. "What do I do now? Who do I call?" In the chaos, everything goes quiet, and that's when the real questions begin.

Jordan Travis is a personal injury attorney in Colorado, and he created Now What because he's seen how overwhelming this process can be. Not just physically or financially, but emotionally.

Too often, big law firms treat people like case numbers. They rush. They settle. They forget there's a human being on the other end who's scared and hurting.

This podcast isn't a legal lecture. It's a real conversation to help accident victims take back control after chaos. Each episode breaks down what really matters: what to do after an accident, how to handle insurance companies, and when to stand your ground.

Accident victims have already been through enough. Now it's time to breathe, get clarity, and move forward, one step at a time.