The Complete Guide to Colorado Auto Insurance After an Accident

Every Colorado auto insurance coverage explained: liability, UM/UIM, MedPay, umbrella, stacking, and bad faith claims after a crash.

Most Colorado drivers do not understand their own auto insurance until the day they need it. By then, the gaps in coverage are permanent. The policy you bought has the limits it has. The coverages you declined are declined. The endorsement you skipped is not there. And the adjuster on the other end of the phone, the one who sounds friendly and reasonable, knows your policy better than you do, and they are not on your side.

This guide exists to fix that. It is the resource we wish every Colorado driver read before they ever needed a personal injury attorney, and the resource our clients tell us they wish they had read the day they bought their policy. It explains every coverage that pays, every coverage that does not, and every legal right you have when an insurance company tries to pay you less than what you are owed under Colorado law. Read what is relevant to your situation. Skip what is not. And when the picture gets complicated, which it almost always does after a serious accident, call us at 720-928-9178. There is no obligation, no pressure, and no fee unless we win your case.

In our practice, the clients who recover the most are not the ones with the most expensive cars or the highest medical bills. They are the ones who, often without knowing it, made smart insurance decisions in the years before their accident. They carried more than the minimum. They kept UM/UIM. They added MedPay. They had umbrellas in place. They had no idea any of it would matter, and then it did. This guide is written so that you can be one of those clients, whether you are reading it before an accident or in the long days after one.

What This Guide Covers

• Colorado’s Auto Insurance Minimums and Why They Are Not Enough
• Bodily Injury Liability: The First Layer of the Stack
• Property Damage Liability and What It Actually Pays
• Uninsured and Underinsured Motorist Coverage Under CRS 10-4-609
• Medical Payments Coverage: The Most Underused Coverage on Your Policy
• Collision and Comprehensive: Repairing or Replacing the Vehicle
• Rental Reimbursement, Towing, and the Smaller Coverages That Add Up
• Umbrella Policies and How They Multiply Your Protection
• Stacking UM/UIM Across Multiple Vehicles and Households
• Health Insurance, MedPay, and Subrogation Liens
• How the Insurance Claim Process Actually Works
• Recorded Statements and Why You Should Not Give One
• Bad Faith Insurance Claims Under CRS 10-3-1115 and 10-3-1116
• Special Situations: Rideshare, Commercial, Rental, and Out-of-State Coverage
• Frequently Asked Questions
• Sources

Colorado’s Auto Insurance Minimums and Why They Are Not Enough

Colorado law under CRS 10-4-619 and CRS 42-7-103 requires every driver to carry liability insurance at minimum levels of 25,000 dollars per person and 50,000 dollars per accident for bodily injury, plus 15,000 dollars for property damage. The shorthand is 25/50/15. These are the floor. They are also, in our experience, deeply inadequate for the realities of a modern Colorado car accident.

Consider what 25,000 dollars actually buys in a serious crash. A single ambulance ride and emergency room visit routinely runs 8,000 to 15,000 dollars before any treatment beyond the initial evaluation. A single MRI is 2,000 to 4,000 dollars. A single night in the hospital can exceed 5,000. A surgery for a herniated disc, a broken pelvis, or a brain bleed routinely runs into six figures on its own. By the time you account for follow-up care, physical therapy, lost wages, and the rest of what an injury actually costs, 25,000 dollars is not even a down payment on the bill.

The drivers who recover well from serious accidents are almost always the drivers who carried more than the minimum. We strongly recommend, and our financially literate clients usually already carry, liability limits of at least 100,000 per person and 300,000 per accident, often higher. We recommend the same minimums for UM/UIM coverage, which is the coverage that protects you when the other driver is uninsured or underinsured, which we cover below. The cost difference between minimum coverage and adequate coverage is typically a few hundred dollars per year. The financial difference, when an accident happens, can be hundreds of thousands of dollars.

If you have not reviewed your auto policy in the last twelve months, do it this week. The fifteen minutes you spend now can be the most valuable insurance decision you ever make.

Bodily Injury Liability: The First Layer of the Stack

Bodily injury liability, often called BI, is the coverage that pays for the injuries you cause to another person in an accident where you are at fault. It is also, when someone else hits you, the first layer of insurance that pays for your injuries. The at-fault drivers BI policy is the starting point of any injury claim against them.

BI is sold in two numbers. The first number is the per-person limit, the maximum the policy will pay any one injured person. The second is the per-accident limit, the maximum the policy will pay across all injured people in a single accident. A 100/300 policy pays up to 100,000 dollars to any one person and up to 300,000 dollars total across everyone hurt in the accident.

Two important consequences follow from how BI is structured.

First, the at-fault drivers BI policy is a hard ceiling. If you have 500,000 dollars in damages and the at-fault driver carries 25,000 dollars in BI, their carrier will pay you 25,000 dollars and that is the end of their involvement. The remaining 475,000 dollars has to come from somewhere else, your own coverages, the at-fault drivers personal assets if they have any worth pursuing, or, in many cases, from coverages you did not realize were stackable.

Second, BI does not pay you anything until liability is established. The at-fault drivers carrier is not going to send you a check just because you were hurt. They will investigate, evaluate, and ultimately decide whether and how much to offer. The skill, evidence, and persistence behind your claim heavily influences what they offer.

Property Damage Liability and What It Actually Pays

Property damage liability, often called PD, pays for the damage you cause to another persons property in an accident where you are at fault. The most common property is the other persons vehicle. PD also covers damage to fences, signs, structures, and any other physical property your vehicle damages.

Colorado’s 15,000 dollar PD minimum was set decades ago. The average new vehicle in 2026 costs over 48,000 dollars, and many vehicles cost considerably more. A 15,000 dollar PD limit does not begin to cover totaling someone else’s pickup truck, much less a new SUV. We strongly recommend higher PD limits for any driver who can afford the small premium difference.

When the other driver is at fault and your vehicle is damaged, you have two paths to repair. You can claim against the other drivers PD coverage, or you can claim against your own collision coverage. The choice depends on speed, deductibles, and whether the at-fault drivers carrier is admitting liability. We help clients navigate this choice every week, and there is rarely a single right answer.

Uninsured and Underinsured Motorist Coverage Under CRS 10-4-609

If there is one coverage every Colorado driver should understand and carry, it is uninsured and underinsured motorist coverage. UM pays when the at-fault driver has no insurance. UIM pays when the at-fault driver has insurance but not enough to cover your damages. Both coverages live on your own policy and are governed by CRS 10-4-609.

Colorado law requires insurers to offer UM/UIM coverage at limits matching your liability coverage. You can reject it, but only in writing. Most drivers who reject UM/UIM do so without understanding what they are giving up. We see the consequences of that decision regularly, and they are usually devastating.

Here is the math that makes UM/UIM essential. About one in eight Colorado drivers carry no insurance at all. Of the drivers who do carry insurance, a substantial share carry only the state minimum. If you are hit by an uninsured driver and have no UM coverage, the at-fault driver almost certainly has no money to pay you, no matter how strong your claim is. You can sue them, win, and collect nothing. UM coverage steps in and pays what their insurance should have paid. UIM does the same when the at-fault drivers limits are exhausted but your damages are not.

A few important features of Colorado UM/UIM that most drivers do not know.

UM/UIM is treated as your own first-party benefit. Making a UM/UIM claim is a claim against your own carrier, not against the at-fault driver. Your own carrier owes you the same duties of good faith they owe on any other claim, and Colorado law has specific protections, which we cover below, when carriers fail to meet those duties.

UIM in Colorado is broader than in many states. Colorado follows what is called an excess approach to UIM, which generally means your UIM coverage stacks on top of the at-fault drivers liability coverage rather than being reduced by it. The result is more total available coverage than drivers expect. We have written extensively about this in our analysis of UM and UIM coverage under Colorado statutes.

UM/UIM applies in hit-and-run cases. If the driver who hit you fled the scene and cannot be identified, your UM coverage treats them as uninsured and pays your claim. This is one of the most important reasons to carry UM coverage in any urban area, where hit-and-run is common.

UM/UIM applies to passengers, not just drivers. If you are a passenger in someone elses vehicle and the at-fault driver is uninsured, the UM coverage on your own policy may apply, depending on the policy language. This is often missed by carriers and even by attorneys who do not specialize in this area.

If you carry UM/UIM at limits matching your liability, and you have liability in the 100/300 range or higher, you are far better protected than the average Colorado driver. If your UM/UIM is at the state minimum, or if you rejected it, please call us before your next renewal. We will tell you, free of charge, what we think you should change.

Medical Payments Coverage: The Most Underused Coverage on Your Policy

Medical payments coverage, often called MedPay, is no-fault first-party coverage that pays your medical bills regardless of who caused the accident. Colorado law requires insurers to offer MedPay with a minimum of 5,000 dollars, although you can carry significantly more, and we recommend you do.

MedPay is one of the most underused and underappreciated coverages on a Colorado auto policy, for three reasons.

First, MedPay pays immediately. It does not wait for liability to be established. It does not wait for negotiation with the at-fault carrier. As soon as you incur medical bills related to the accident, MedPay pays them up to your policy limit. For people without health insurance, or with high-deductible plans, this is enormous.

Second, MedPay does not have to be repaid out of your settlement in most circumstances. This is in contrast to health insurance, which often has subrogation rights that allow the health insurer to recover from your settlement what they paid for your treatment. MedPay benefits are typically yours to keep, on top of whatever you recover from the at-fault driver. We explore this distinction in detail in our piece on MedPay versus health insurance and the double recovery most people miss.

Third, MedPay covers everyone in your vehicle, not just you. If your spouse, child, or passenger is hurt in your vehicle, MedPay applies to their medical bills as well, up to your policy limit per person.

The premium for MedPay is small relative to what it pays out. We routinely recommend MedPay limits of 10,000 to 25,000 dollars or more. The math, in our experience, almost always favors carrying it.

Collision and Comprehensive: Repairing or Replacing the Vehicle

Collision coverage pays for damage to your own vehicle when you are in a collision, regardless of fault. Comprehensive coverage pays for damage to your vehicle from non-collision events, theft, vandalism, weather, animal strikes, and so on.

These are first-party coverages, meaning they pay regardless of who caused the damage, and they are subject to your deductible. The choice between using your own collision coverage or claiming against the other drivers PD is a practical one. Collision pays faster and does not require establishing liability, but you pay the deductible. PD requires the at-fault carrier to accept liability and can take longer, but you do not pay a deductible.

In Colorado, where mountain corridors generate animal strikes, where hailstorms regularly total vehicles, and where I-25 commute traffic produces daily fender-benders, collision and comprehensive are practical necessities for most drivers, especially anyone financing or leasing a vehicle. Lenders and lessors typically require both.

Rental Reimbursement, Towing, and the Smaller Coverages That Add Up

Several smaller coverages on a Colorado auto policy can make a meaningful difference in the days after an accident.

Rental reimbursement pays for a rental car while your vehicle is being repaired. The daily limits and total caps vary, but even modest rental reimbursement can save hundreds of dollars in a typical repair scenario.

Towing coverage pays to tow your disabled vehicle from the scene. Tow charges in Colorado, particularly from mountain corridors or after-hours scenes, can run into hundreds of dollars.

OEM parts endorsements require the use of original manufacturer parts in repairs rather than aftermarket parts. For newer vehicles, this can preserve resale value and quality.

Diminished value coverage, where available, addresses the loss in market value of your vehicle after a repair, even if the repair is mechanically sound. Colorado law does recognize diminished value claims in some circumstances, and we help clients pursue them when warranted.

These coverages are usually inexpensive add-ons. They do not pay enough to matter in a catastrophic accident, but they smooth out the practical inconveniences of a typical claim and are worth their premium for most drivers.

Umbrella Policies and How They Multiply Your Protection

An umbrella policy is a separate insurance policy that sits on top of your auto policy and provides additional liability coverage above and beyond your underlying limits. Umbrella policies typically start at one million dollars in coverage and can scale higher.

Two features of umbrella policies that most drivers do not know.

First, umbrella policies often provide additional UM/UIM coverage in Colorado, depending on how the policy is written and whether you have selected that endorsement. Many drivers carry an umbrella for liability protection and do not realize they could have additional UM/UIM protection through the same policy for relatively little additional premium. If you have an umbrella, check your policy or call your agent and ask specifically whether UM/UIM is included.

Second, umbrella policies generally require underlying liability limits at certain minimums, often 250,000 or 300,000 per person on your auto policy, which means most umbrella policyholders already carry substantially better-than-state-minimum coverage on their auto policy.

Umbrella policies are one of the most cost-effective forms of insurance available. A million-dollar umbrella often costs 200 to 400 dollars per year for an average household. The leverage that small premium provides in a serious accident scenario is enormous. We have a deeper resource on excess and umbrella policies when standard coverage runs out.

Stacking UM/UIM Across Multiple Vehicles and Households

Stacking is the practice of combining UM/UIM coverages across multiple vehicles or policies to increase the total UM/UIM available in a single claim. The rules for stacking in Colorado are technical, policy-specific, and one of the most under-leveraged areas of insurance recovery in serious accident cases.

A simplified example. You live in a household with three vehicles, each with 100,000 dollars in UM/UIM. Depending on how the policy is written and whether the policy is rated for stacking, you may have access to 300,000 dollars in UM/UIM rather than 100,000 in a single accident. The difference is the difference between a partial recovery and a full one.

Whether stacking is available, and how much can be stacked, depends on the policy language, the carrier, the relationship between the policies, and several other technical factors. We see carriers routinely take the position that stacking is not available, when in fact it is, and we routinely recover substantial additional sums for clients by establishing stacking rights they did not know they had. Our analysis of multiple coverages working together after a serious Colorado crash explores this in detail.

If you have multiple vehicles in a single household, or multiple policies across family members living together, the stacking analysis is one of the most valuable conversations you can have with a Colorado personal injury attorney. Call us at 720-928-9178 if you would like us to look at your situation.

Health Insurance, MedPay, and Subrogation Liens

After a Colorado car accident, your medical bills are typically paid by some combination of MedPay, health insurance, and the eventual settlement. The interaction between these payers is one of the most complicated parts of resolving a claim, and it is where attorneys can add real value beyond the headline settlement number.

Health insurance pays for treatment as you go. The health insurer will typically pay providers at negotiated rates that are much lower than the providers billed charges. Then, when your accident claim resolves, the health insurer often asserts subrogation rights to recover from your settlement what they paid for your treatment. The amount they can recover depends heavily on the type of plan, ERISA rules, Medicare or Medicaid status, and the specific contract language.

MedPay, by contrast, is generally yours to keep without subrogation in Colorado, although there are nuances depending on the policy.

The math of lien negotiation is enormous in serious cases. A health insurer that paid 80,000 dollars for your treatment will assert a subrogation lien for that amount. Whether they actually collect 80,000 dollars, or 40,000 dollars, or 20,000 dollars, depends entirely on the negotiation. The difference is money in your pocket. Our guide to medical liens, ERISA, Medicare, and Medicaid walks through how these negotiations actually work.

If you are represented by counsel, the lien negotiation is part of what your attorney does for you. The fee structure typically aligns the attorneys interest with yours, the lower the lien, the more money goes to you. If you are unrepresented, you will negotiate liens directly, and you will almost always pay more.

How the Insurance Claim Process Actually Works

The insurance claim process has a rhythm that is not obvious from the outside. Understanding it removes a great deal of the anxiety that accompanies a serious claim.

After the accident, you report the claim to your own carrier, not the other driver’s. Your carrier will assign a claim number and a representative. This is true even if you intend to pursue the at-fault driver, because your own coverages may be involved, and you have contractual obligations to report.

The other driver’s carrier will eventually contact you, often within days. Their representative will be friendly and will ask for your version of events, often by recorded statement. You are not obligated to provide one, and we recommend strongly against providing one without legal advice. We address why below.

Liability investigation happens in parallel. Both carriers gather evidence, statements, photographs, and police reports. They may obtain medical records, vehicle damage estimates, and accident reconstruction reports.

Property damage is often resolved first. Vehicle repair or total loss is settled separately from the bodily injury claim, and resolving property damage does not waive any rights on the injury claim, as long as the property damage release is appropriately limited.

Bodily injury is resolved last. The carrier will typically not make a meaningful offer until they understand the scope of the medical treatment. This is why settling early almost always undervalues a claim, you do not yet know the full extent of the injuries.

The full timeline from accident to settlement, in a represented case, is typically six to eighteen months for non-litigated claims and longer if litigation is required.

Recorded Statements and Why You Should Not Give One

When the other driver’s insurance company calls you in the days after an accident, they will almost certainly ask for a recorded statement. This is one of the most consequential decisions in the early days of a claim, and most accident victims handle it badly.

You are not legally obligated to give a recorded statement to the other drivers carrier. They have no contractual relationship with you. They do not represent you. The only purpose of the recorded statement, from their perspective, is to gather evidence that will be used to evaluate, and likely reduce, what they will pay you.

The questions they ask are designed to extract admissions. How fast were you going. Did you see the other car. Were you on your phone. Were you tired. How long did you wait to seek medical treatment. Did you have any prior injuries or pain in this part of your body. Each of these questions has a legitimate-sounding rationale and a hidden purpose.

The right answer to a recorded statement request from the other drivers carrier is a polite no. You can tell them that you will not be giving a recorded statement and that they can direct any further communications to your attorney. You do not have to be hostile. You do not have to explain. You can simply decline.

Your own carrier is a different matter. You may have contractual duties to cooperate with your own carrier, including providing recorded statements in some circumstances. But even there, you should consult with an attorney before any recorded statement, because the same techniques can be used by your own carrier in coverage disputes or UM/UIM claims.

Bad Faith Insurance Claims Under CRS 10-3-1115 and 10-3-1116

Colorado has some of the strongest insurance bad faith protections in the country. CRS 10-3-1115 and CRS 10-3-1116 provide a statutory cause of action against insurance carriers that unreasonably delay or deny payment of benefits owed under a policy.

The remedy is significant. If a carrier unreasonably delays or denies a claim, the claimant can recover the full amount of the benefits owed, plus two times the covered benefit as additional damages, plus reasonable attorneys fees and costs. This is on top of any common-law bad faith claim that may also be available.

Bad faith claims arise most commonly in three contexts. First, UM/UIM claims, where the carrier owes its own insured but delays or low-balls the claim. Second, MedPay claims, where the carrier delays paying medical bills that are clearly within coverage. Third, liability claims where the carrier fails to settle within policy limits and exposes its insured to a verdict that exceeds those limits.

Bad faith is not the same as a routine coverage disagreement. Carriers are entitled to investigate, evaluate, and reach reasonable conclusions about coverage and value. Bad faith requires unreasonable conduct, conduct that no reasonable insurance professional would consider justified. Establishing bad faith requires careful documentation of the carriers conduct over time, and it is one of the most powerful tools available to a Colorado personal injury attorney representing a claimant against a carrier that is treating them unfairly.

If you are dealing with a carrier that is delaying, lowballing, or denying a clear claim, do not assume there is nothing to be done. Bad faith claims have changed the calculus of insurance litigation in Colorado, and many carriers behave better than they otherwise would because of the bad faith exposure they face. Call us if you think a carrier is treating you unfairly. We will tell you, candidly, whether you have a claim worth pursuing.

Special Situations: Rideshare, Commercial, Rental, and Out-of-State Coverage

Several scenarios involve insurance arrangements that differ from the standard private auto policy.

Rideshare and Gig Driver Coverage

Uber, Lyft, DoorDash, Instacart, and Amazon Flex drivers operate under a layered insurance arrangement that differs depending on the drivers status at the moment of the accident. When the app is off, the drivers personal policy applies. When the app is on but no passenger or delivery is matched, a contingent liability policy from the platform applies, often with limited coverage. When a passenger or delivery is matched, the platforms one million dollar liability policy applies. The same accident can fall into any of these three layers depending on timing, and which layer applies dramatically affects available coverage. We have addressed this in our analysis of rideshare and gig driver liability.

Commercial Vehicle Coverage

Commercial vehicles, including delivery trucks, semi-trucks, fleet vehicles, and construction vehicles, are typically covered by commercial auto policies with significantly higher limits than private policies, often one million dollars or more. Commercial accidents also frequently involve federal motor carrier regulations, employer liability, and contractor relationships that affect the available coverage and the parties who can be pursued. We address these claims in our piece on why commercial vehicle accident claims work differently.

Rental Cars

Rental car accidents involve a maze of potential coverage. Your own auto policy typically extends to a rental car you are driving. The rental companys collision damage waiver, if purchased, provides additional coverage. Your credit card may provide secondary coverage. The other driver, if at fault, has their own coverage. Sorting through which coverage applies to which loss is one of the more confusing aspects of rental car claims, and we have written about it in our Colorado rental car accident guide.

Out-of-State Drivers and Out-of-State Policies

When the at-fault driver carries insurance from another state, the claim is generally still governed by Colorado law for the accident itself, although the policy terms are governed by the state of issuance. This rarely affects the claim in any meaningful way for the injured Colorado driver. When you are the Colorado driver hurt by a tourist or visitor from another state, your claim proceeds in Colorado courts under Colorado law against the out-of-state drivers insurance. Service of process and locating the driver are the practical complications, not the legal merits.

Frequently Asked Questions

Do I have to talk to the other driver’s insurance company?

No. You have no obligation to speak with the at-fault drivers insurance carrier. You can politely decline and refer them to your attorney. Speaking with them, particularly providing a recorded statement, is one of the most common mistakes accident victims make in the early days of a claim.

What is the difference between UM and UIM coverage?

UM, uninsured motorist coverage, pays when the at-fault driver has no insurance. UIM, underinsured motorist coverage, pays when the at-fault driver has insurance but not enough to cover your damages. In Colorado, both coverages are typically sold together and both are governed by CRS 10-4-609.

How much auto insurance do I actually need in Colorado?

The state minimum is 25/50/15. We strongly recommend, at a minimum, 100/300/100 with matching UM/UIM, plus MedPay of at least 10,000 dollars. For drivers with significant assets to protect, an umbrella policy at one million dollars or higher is typically the right choice, and the premium is usually modest.

Will my own insurance rates go up if I make a claim against the other driver?

A claim where the other driver was at fault generally should not raise your rates, because you were not at fault. However, claims handling practices vary by carrier, and you should ask your agent specifically how an at-fault claim by the other driver against your policy will be treated.

Should I accept the first settlement offer the insurance company makes?

Almost never. The first offer from an insurance carrier in a serious injury case is almost always far below what the case is worth. The carrier knows you have not yet seen the full medical picture and is hoping to close the file at a discount before you do. Do not sign anything releasing your claim without legal advice.

What is bad faith and how do I know if my carrier is acting in bad faith?

Bad faith refers to a carriers unreasonable delay or denial of benefits owed under an insurance policy. Colorado law under CRS 10-3-1115 and 10-3-1116 provides specific remedies including double damages and attorneys fees. If your carrier is delaying payment of clear medical bills, refusing to engage with a properly documented claim, or making lowball offers that no reasonable adjuster could justify, bad faith may be at play. Call us and we will evaluate.

Do I need an attorney to handle an insurance claim?

Not always. For minor accidents with no injury and no disputed liability, you can usually handle it yourself. For any accident involving meaningful injury, lost work, or any dispute about fault or coverage, the data is clear that represented claimants recover significantly more, even after attorneys fees, than unrepresented claimants. The right question is not whether you can handle it alone but whether you should.

What if I do not know whether the other driver has insurance?

The police report should reflect the at-fault drivers insurance information, and Colorado has a state-administered insurance verification system. If the at-fault driver is uninsured, your UM coverage steps in. If you are unsure of the other drivers coverage, call us and we can help you find out.

Can I make a claim under my own policy and the other driver’s policy at the same time?

Yes, in many circumstances. MedPay claims under your own policy are routinely made alongside bodily injury claims against the at-fault driver. UM/UIM claims arise when the at-fault drivers coverage is exhausted or non-existent. The interaction between these layers is part of what an attorney coordinates in a represented case.

What happens if my UM/UIM limits are not enough?

If your damages exceed both the at-fault drivers liability limits and your UM/UIM limits, your remaining recovery options depend on the at-fault drivers personal assets, any commercial or employer policies that may apply, and any third parties who may share liability. This is one of the situations where an experienced personal injury attorney can identify recovery sources that are not obvious.

Sources

• Colorado Revised Statutes 10-4-609: Uninsured Motorist Coverage, leg.colorado.gov
• Colorado Revised Statutes 10-4-619: Required Coverages, leg.colorado.gov
• Colorado Revised Statutes 10-4-635: Medical Payments Coverage Required Offering, leg.colorado.gov
• Colorado Revised Statutes 10-3-1115: Improper Denial of Claims Prohibited, leg.colorado.gov
• Colorado Revised Statutes 10-3-1116: Remedies for Unreasonable Delay or Denial of Benefits, leg.colorado.gov
• Colorado Revised Statutes 42-7-103: Motor Vehicle Financial Responsibility Definitions, leg.colorado.gov
• Colorado Revised Statutes 13-21-111: Comparative Negligence, leg.colorado.gov
• Colorado Division of Insurance, Auto Insurance Resources, doi.colorado.gov
• Insurance Information Institute, Auto Insurance Basics, iii.org
• National Association of Insurance Commissioners, Consumer Resources, naic.org

If you are reading this guide because you are dealing with an insurance claim that has gone sideways, please call us. The conversation is free and there is no obligation. We will look at your policy, the other drivers policy, the conduct of the carriers involved, and tell you candidly what your options look like. The drivers we help most are the ones who call before they have signed anything. Reach Samantha Flanagan and the Flanagan Law team at 720-928-9178. We are a Colorado boutique firm, we answer our own phones, and we do not get paid unless we win your case.