Car Accident Claims Attorney in Colorado Springs

How Colorado Car Accident Insurance Claims Are Evaluated

Colorado generally uses an at-fault insurance system, so the responsible driver’s liability insurer is typically the first source considered for injury and property damage losses. The state’s required minimum automobile liability limits are generally $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage. A policy may provide higher limits.

Fault and damages may be established through crash reports and images, medical documentation, and income records. The strength and value of a claim depend on the evidence, injuries, parties, policy terms, and applicable coverage limits.

Claims Against an At-Fault Driver

An injury claim against the responsible driver’s insurer is based on that driver’s alleged liability. The insurer may dispute fault, the extent of the injuries, the necessity of treatment, or the amount of the claimed losses.

Uninsured & Underinsured Motorist Claims

An uninsured or underinsured motorist claim is made under an injured person’s own applicable policy, not solely against the other driver’s insurer. This coverage may apply when the responsible driver has no insurance or insufficient limits. Its availability depends on the policy, Colorado law, and the facts of the collision.

How We Respond When an Insurer Disputes a Claim

We first identify the available coverage, including liability policies and any uninsured or underinsured motorist benefits. We then compare the insurer’s explanation with the policy language, crash evidence, medical documentation, liability facts, and coverage limits.

Our attorneys prepare car accident cases for potential courtroom proceedings while negotiating with insurers. Throughout the case, clients work directly with our attorneys and paralegals, receive updates, and can contact our legal team with questions.

Some disputes may involve bad faith insurance issues, which generally concern an insurer’s unreasonable handling or denial of a valid claim. Whether an investigation, delay, coverage interpretation, or settlement tactic supports a separate bad faith claim depends on the insurer’s conduct and the specific facts.

Deadlines for Colorado Car Accident Insurance Disputes

Colorado Revised Statutes section 13-80-101 generally establishes a three-year limitation period for bodily injury or property damage actions arising from the use or operation of a motor vehicle. Exceptions and claim-specific rules may change the applicable deadline.

Separate timing provisions may govern uninsured and underinsured motorist actions or arbitration demands. The relevant dates, policy procedures, notices, parties, and claim type should be reviewed before relying on the general Colorado car accident statute of limitations. Early review can also help preserve evidence and identify any required notices or demands.