Experienced Car Accident Lawyer
Serving Denver & the Greater Colorado Area for Three Decades
As a car accident lawyer in Denver and across Colorado for over 25 years, I’ve seen the devastating effects auto accidents can have not just on the individuals involved, but on their entire families. And not just in the form of physical injuries and death, but emotional distress, lost time at work, lower quality of life, and more.
If you’ve been injured in a car accident or any type of motor vehicle accident in Colorado, you can contact me for a free consultation at (303) 454-8000 or toll-free at (800) ROSEN-911, or by filling out the form on the right.
I’ve handled tens of thousands of auto accident and personal injury cases. I’ve seen a case just like yours, and I can help you through it!
Below you’ll find some helpful information and resources for Colorado drivers who’ve been involved in car accidents.
Colorado Auto Accident Facts & Resources
According to the Colorado Department of Transportation Office of Transportation Safety and Traffic Engineering Branch, the most serious transportation safety challenges facing the state are impaired driving, occupant protection compliance, particularly seat belts and child safety seats, young drivers, motorcycle safety, and distracted driving.
If you live and drive in Colorado and are involved in an auto accident, there are certain things you should be aware of:
Requirements for Reporting Car Accidents in Colorado
Colorado law requires that all accidents be reported immediately. If a police officer comes to the scene and investigates the crash, his report will suffice. But if the police aren’t called, you must report the accident either by filling out the state’s Online Accident Report or by downloading the State of Colorado Traffic Accident Report on your computer.
Under Colorado law, your accident must meet the following criteria to be reported online:
- No fatalities or injuries were caused
- Information about the other party can be provided, meaning the accident was not a hit and run
- No public (as opposed to private) property was damaged
- Neither party is under suspicion for driving under the influence of alcohol or drugs
If you need the accident report, Colorado’s Department of Motor Vehicles keeps copies for seven years. To request the report, you will need to send a letter to the DMV and include the following information:
- Your name
- Date of birth
- Date of motor vehicle accident
- Your mailing address
- A check to the DMV for $2.20, or $2.70 for a certified report
Sometimes your insurance company will require you to fill out certain forms that are unique to the state of Colorado, including:
- Waiver of Security Financial Responsibility
- Release from Liability
- Affidavit of Financial Responsibility
- Promissory Note Contract
No Fault, No More
Since 1973, Colorado had been a “no-fault” auto insurance state, meaning that if you were injured in an accident your own insurance would pay for your medical care, no matter who was liable for the collision. But this all changed in 2003 when Colorado repealed the Accident Reparations Act, converting the state from no-fault to a tort system. This means that those injured in an automobile accident have to prove that they were not at fault and attempt to collect damages from the at-fault party or their insurance company.
Auto Policy Specifics
If you’ve been involved in a car accident due to the fault of another driver, before you talk to someone from the other party’s insurance company, you need to talk to an experienced auto accident attorney. Insurance companies will go to great lengths to keep you from getting the compensation you deserve, and will rush you to make a quick settlement. As a personal injury lawyer with over 25 years experience, I talk to insurance companies every single day. I can help you receive a bigger settlement than you’d receive by talking to them on your own.
That being said, there are a few important things every Colorado driver should know about auto insurance policies.
If the person at fault for the accident (not you) is uninsured or underinsured, meaning he or she doesn’t have sufficient coverage to pay for the damages, automobile insurance companies in Colorado are legally required to include uninsured/underinsured coverage in every policy they sell in the state. But remember, to make a claim for underinsured benefits, you first have to get permission from your insurance company to settle with the at-fault driver’s insurance company.
Colorado law requires the following minimum amount of uninsured/underinsured motorist coverage (unless waived in writing by the policyholder):
- $25,000 per person for uninsured/underinsured motorist
- $50,000 per accident for uninsured/underinsured motorist
Under Colorado law, an automobile insurance company cannot raise your rates if you make a claim for uninsured or underinsured motorist benefits if the accident was not your fault.
If you were at fault for the collision, Colorado law requires that you carry the following minimums of liability coverage:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $15,000 per accident for property damage
In Colorado, the at-fault party may be responsible for paying your medical bills, but you only get to make one claim for these expenses, and this claim is commonly made after you are through with all your accident-related treatment. If you need to pay some or all of these bills before you make that final claim, you can access the medical payment benefit of your auto policy, if you have such a provision. Remember, medical payment insurance provisions are optional in Colorado.
Do I Have a Car Accident Case, and How Much Is It Worth?
As a Colorado resident, these two factors may affect the worth of your case:
- Colorado Statute of Limitations: If your car accident happened a few years ago, it’s not too late to take action. If you decide to file a personal injury claim for damages arising from your car accident, you have three years to do so under Colorado’s statute of limitations. Your recovery will depend upon the types and amounts of damages sustained as well as who was at fault.
- Auto Accident Damages & Negligence: Insurance companies usually pay for medical expenses (both present and future), and property damage. They may also pay for more general damages such as pain and suffering, lost wages, and loss of earning capacity. According to Colorado Revised Statute 13-21-111, if you were contributorily negligent, your damages may be reduced in proportion to your degree of negligence.
Contact Me Today!
If you or a loved one has been injured in an auto accident due to the negligence of another driver, the fastest way to find out if you have a case is to schedule a free consultation with me. Just fill out the form on the right, or call our Denver office at (303) 454-8000 or toll-free at (800) ROSEN-911.
At the Law Offices of Daniel R. Rosen, it’s our goal to get you through your car accident and injury claim as quickly and smoothly as we can. I personally handle every single case that comes across my desk, and I have nearly three decades of experience handling auto accident and personal injury cases.
I’ve settled over $100 million in accident cases for my clients. I can get you the settlement you deserve, and you don’t have to pay me until I come through for you!