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Colorado Car Accident Claim Process
If you were injured in a car accident in Colorado, you may need legal assistance to recover compensation for your medical bills, lost wages, and other damages. Zaner Law Personal Injury Lawyers can assist you with every step of the Colorado car accident claim process.
We’re ready to fight for the compensation you deserve. Call our Colorado car accident lawyers today at (720) 613-9706 for a free case review.
We handle various types of car accident cases, including defective tire accidents, passenger negligence accidents, and other related practice areas.
Why Choose Zaner Law Personal Injury Lawyers for Your Car Accident Case in Colorado?
If you were injured in a car accident caused by someone else’s negligence in Colorado, you may need to file an insurance claim to recover compensation for your losses. However, insurance companies are for-profit companies. They train their adjusters to minimize and deny as many claims as possible to protect their profits.
When contending with these odds while dealing with painful injuries, a Colorado car accident lawyer can serve as your legal advocate. We have decades of combined experience and have recovered tens of millions of dollars for accident victims.
At Zaner Law Personal Injury Lawyers, our attorneys have been recognized by 5280 Magazine Top Lawyers in Denver, National Trial Lawyers Top 100, Best Lawyers – Best Law Firms, and Super Lawyers. Contact us today to discuss your legal options.
Colorado’s At-Fault Insurance System
Like most states, Colorado has an at-fault insurance system for car accidents. This means that the driver found at fault for the accident is responsible for paying the victim’s damages.
All drivers must maintain liability insurance in the following minimum amounts that pay for damages they cause others due to their negligence:
- $25,000 for bodily injury to one person
- $50,000 for bodily injury to more than one person
- $15,000 for property damage
You file an insurance claim with the at-fault driver’s liability insurance company in most instances. However, there may be times when you file a claim with your own insurance provider, such as if you need to file an uninsured motorist claim because the at-fault driver was uninsured. In Colorado, all insurers must provide uninsured motorist coverage in an amount equal to your liability coverage for bodily injury unless the policyholder rejects the coverage in writing.
What Damages Can I Recover in a Car Accident Claim
The at-fault party is responsible for compensating you for the full value of your claim, which may include:
- Medical bills for emergency treatment and ambulance charges
- Ongoing medical treatment, including rehabilitation and therapy
- Future medical expenses
- Lost wages
- Lost earning capacity
- Permanent impairments and disabilities
- Pain and suffering
- Mental anguish and emotional distress
- Lost quality of life
An experienced lawyer can determine the damages to include in your personal injury claim.
What Is My Car Accident Case Worth?
Specific factors that can affect your case include:
- Who is responsible for your accident
- The insurance coverage available
- Which injuries you suffered in the accident
- The cost and duration of your medical treatment
- How the injuries affect your daily life
- Whether you can return to work
- The extent of your pain and suffering
Let our experienced legal team evaluate your case while you focus on your recovery.
What Are the Various Steps Involved in the Car Accident Claim Process?
A car accident claim process usually involves the following steps:
- Investigation – After you report the accident, a claim adjuster is assigned to your case. This person is responsible for conducting an investigation. Your car accident lawyer can also conduct an investigation, which may include interviewing witnesses, reviewing accident reports, and locating videos or photos of the accident.
- Claim assessment – Your lawyer can assess your case’s value by reviewing employment records, medical bills, property damage repairs, pain journals, and other evidence.
- Demand – Your car accident lawyer prepares a demand package that sets out how the accident occurred, who is responsible, the damages you suffered, and why the insurance company should pay.
- Negotiation – Your lawyer and the insurance company may engage in several rounds of negotiation before agreeing to a final settlement number.
If you do not settle your claim, you would proceed to litigation.
How Is My Case Value Affected if I Contributed to the Accident?
Colorado uses a modified comparative fault system. Under this system, accident victims can still recover compensation for accidents that injured them as long as their degree of fault is not equal to or greater than the defendant’s degree of fault. However, their compensation is reduced proportionately by their degree of fault.
What Is the Deadline to File a Personal Injury Lawsuit in Colorado?
Colorado has a three-year statute of limitations for car accident cases. This means that you have three years from the accident date to file a lawsuit against the party responsible for your injuries. If you don’t file a lawsuit within this timeframe, you can forfeit your right to recover compensation through the Colorado court system.
Contact Our Colorado Car Accident Lawyers for a Free Consultation
If you’ve been injured in a crash, you deserve guidance from a trusted legal team that understands how to navigate complex insurance claims and fight for fair compensation. At Zaner Law Personal Injury Lawyers, our attorneys have decades of combined experience helping victims recover damages for medical bills, lost wages, pain and suffering, and more.
A skilled Colorado car accident attorney from our firm will investigate your case, negotiate with insurers, and stand ready to take your case to trial if necessary. Call today to schedule your free consultation and learn how we can help protect your rights.
