Colorado Auto Insurance Claims Laws

A car accident doesn’t just leave dents in your vehicle—it can upend your life in seconds. Pain, mounting medical bills, and endless phone calls from insurance adjusters can make you feel like you’re drowning in stress. But here’s the good news: Colorado’s auto insurance claim law exists to protect you and ensure you receive fair compensation.

At Gerash Steiner Blanton, P.C., we understand that recovering from a car accident is challenging enough without wrestling with insurance companies determined to protect their bottom line.

That’s why our Denver car accident attorneys are here to level the playing field. With years of trial experience and a deep commitment to our clients, we’re prepared to push back against lowball offers, delays, and denials. Let us handle the legal battles so you can focus on what truly matters—getting your life back on track.

Does Colorado Operate as a Fault or No-Fault State?

Colorado is a fault-based state for car accidents. This auto insurance claim law means the driver who causes the accident is responsible for covering the damages. As an accident victim, you have the right to pursue compensation through one or more of the following options:

• File a claim with the at-fault driver’s insurance company;
• File a claim with your insurance provider if you have coverage like uninsured/underinsured motorist protection; or
• File a personal injury lawsuit against the at-fault driver.

In a fault state like Colorado, determining liability is crucial for the success of your auto insurance claim. Evidence such as police reports, witness statements, and accident scene photos can help establish fault.

What Are Colorado’s Minimum Auto Insurance Requirements?

Colorado law mandates that all drivers carry minimum liability insurance to cover damages they may cause in an accident. The minimum coverage requirements are:

• $25,000 for bodily injury or death per person;
• $50,000 for bodily injury or death per accident; and
• $15,000 for property damage.

Colorado insurance providers must offer uninsured/underinsured motorist coverage (UM/UIM) and medical payments coverage (med pay), though you can decline these in writing.  

Steps to Take After a Car Accident in Colorado

Taking the proper steps after a car accident can significantly impact your ability to file a successful insurance claim. Here’s what to do:

• Ensure safety and seek medical attention. Your health is the top priority. Even if you feel fine, see a doctor to document any potential injuries.
• Call the police and report the accident. A police report can be essential evidence for your insurance claim.
• Exchange information with the other driver. Collect their name, contact details, insurance information, and license plate number.
• Document the scene. Take photos of the vehicles, damages, and any relevant road conditions.
• Notify your insurance company. Promptly inform your insurer about the accident.
• Consult with an experienced car accident attorney. A lawyer can help you navigate complex claims, particularly if liability is disputed or your claim is denied. 

Following these steps can strengthen your auto insurance claim and help you secure the compensation you need to recover. 

Common Issues with Car Accident Claims Process

It’s often best to let your attorney handle all communication with insurance adjusters regarding your car accident insurance claim. While filing an insurance claim may seem straightforward, many accident victims encounter challenges, such as:

• Denied claims. Insurance companies may argue that their policyholder was not at fault or that the accident does not qualify for coverage. A lawyer can challenge these denials by presenting evidence and pushing back against unfair interpretations of the policy.
• Low settlement offers. Insurers often try to minimize payouts by undervaluing your damages. An attorney can negotiate aggressively, using expert opinions and documentation to secure a fair settlement.
• Delays in claim processing. Prolonged investigations or disputes can stall your compensation. A lawyer can expedite the process by maintaining regular communication with the insurer and applying pressure to move the claim forward.

Our seasoned Colorado car accident attorneys have the experience, resources, and commitment to stand up to insurance adjusters who may try to deny, delay, or undervalue your claim.

Let Us Handle Your Car Accident Insurance Claim

Dealing with insurance companies after an accident can feel like an uphill battle, especially when you’re trying to recover physically and emotionally. At Gerash Steiner Blanton, P.C., we offer more than just legal representation—we provide peace of mind. 

You don’t have to navigate this process alone. Reach out to us today. Let us fight for the full compensation you deserve while you focus on healing. Schedule your free case evaluation now to learn how we can assist you.