FREQUENTLY ASKED QUESTIONS

If you were in a Colorado car accident and it was not your fault:

1. Call 911 (required for injury or significant damage).
2. Document the scene with photos.
3. Exchange information with the other driver.
4. Get witness information.
5. Seek medical care immediately.
6. Notify your insurer.
7. Do not give a recorded statement to the at-fault insurer.
8. Contact a Colorado personal injury lawyer.

You can file a property damage claim with the at-fault driver’s insurer or your own collision coverage. Claims generally cover repairs, total loss value, towing, storage, and rental car expenses. You may choose any repair shop.

You may still have a claim. Even if you weren’t seriously injured but incurred medical bills for an ambulance and/or a visit to the Emergency Room, you are entitled to compensation if you were not at fault for the accident.

You can still receive treatment through MedPay, medical liens, or future settlement reimbursement. Call a local personal injury attorney to discuss your options for obtaining medical treatment on a lien.

You have the right to choose your repair shop. Insurers cannot force you into preferred shops.

Three years from the date of the crash. Wrongful death: two years.

Two years from the date of injury.

Two years from discovery, with a three-year statute of repose.

It covers car repairs, total loss, towing, storage, rental car, and damaged personal items.

It compensates for medical bills, lost income, pain and suffering, and other damages.

MedPay is no-fault medical coverage that pays for treatment regardless of fault.

Underinsured motorist coverage pays when the at-fault driver’s insurance is insufficient to cover the damages.

Uninsured motorist coverage applies when the at-fault driver has no insurance or in hit-and-run crashes.

Colorado law prohibits insurers from raising premiums solely for not-at-fault accidents, including UM/UIM claims.

It is the maximum amount an insurance company must pay under a specific coverage.

Its value depends on injury severity, medical treatment, lost wages, long-term effects, liability, and insurance policy limits.

Simple cases: months. Litigation cases: 12+ months. After settlement, disbursement usually takes 2–6 weeks.

Roughly 90–95% settle without trial.

Usually not. Most cases settle before trial.

Discovery is the evidence exchange process, including documents, interrogatories, and depositions.

A deposition is sworn testimony taken outside of court.

Mediation is a confidential negotiation session with a neutral mediator. Many personal injury cases settle at mediation.

A lien is a legal claim by insurers, healthcare providers or others that must be paid before personal injury settlement funds are released.