Auto Accidents

Call 911. Seek medical attention even if you feel fine — some injuries appear hours or days later and delayed care weakens your claim. Document everything: photos of all vehicles, the scene, visible injuries. Collect insurance and contact information from all drivers. Call an attorney before speaking with the other driver's insurance company. 

Three years from the date of the accident for personal injury claims and property damage. Do not wait — evidence deteriorates, witnesses become unavailable, and the longer you wait the more ammunition the insurance company has to argue your injuries weren't serious. 

 It means the driver who caused the accident is financially responsible for resulting injuries and property damage. You file a claim against their insurance company and potentially sue them personally if their coverage is inadequate. 

 With 15% of Colorado drivers uninsured, this is a real risk. Your own uninsured/underinsured motorist (UM/UIM) coverage can step in to cover your damages. We strongly recommend all Colorado drivers carry robust UM/UIM coverage. 

Not before speaking with an attorney. You are not legally required to give a recorded statement to the other driver's insurer. Their adjuster's job is to minimize what they pay. Anything you say can be used to shift blame onto you under Colorado's comparative negligence rules.