Colorado’s At-Fault Car Accident System

woman checking damage on vehicle

Throughout the entire nation, there are 12 states that follow a no-fault system in which people involved in a car accident go through their own insurance company for compensation. Colorado, however, operates on a traditional fault-based system.

If you find yourself involved in a car crash, it’s vital for you to recognize what the at-fault system means for you and your claim. Our team is here to break it down for you so you can recognize your options and protect your rights every step of the way.

Who is at Fault?

Determining fault means showing that the other driver had a duty to provide reasonable care (automatically assumed with a driver’s license), there was a breach in that duty of care, causation, and damages. If you can show that the other driver was at fault, your claim will go through that person’s insurance provider.

You will file your initial claim with your own insurance company, providing them the other driver’s information. Part of this means giving your insurance company the name and policy number of the driver’s insurance company. Your insurance company will manage the claim with the other provider.

The other insurance company may try to contact you for a recorded statement about what happened. During this time, you can request to have your lawyer with you before providing the statement. This is a tactic used by the insurance company to try and take advantage of your rights. A lawyer can help prevent you from saying anything that will jeopardize your claim.

Problems with Uninsured and Underinsured Accidents?

While there are legal minimums set forth for Colorado insurance coverage, not everyone abides by these numbers. The state requires you to carry insurance coverage of $50,000 for bodily injury or death for the total accident, $25,000 for bodily injury or death per person, and $15,000 for property damage that occurs in the accident.

You should consider purchasing uninsured/underinsured coverage that lets you seek compensation from your own insurance company. In any case, insurance companies are quick to deny claims or offer low settlements to protect profits.

At Gaddis, Herd, Craw & Adams, P.C., our Colorado Springs car accident lawyers stand ready to protect your rights to compensation. Our team is here to guide you through the complex process and pursue the compensation you need when you need it most. Trust us to be your voice during a difficult time.

Call (719) 249-6240 to speak with a legal professional at our firm today.

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