Auto Accident Attorneys in Denver, CO

At Ramos Law, we understand that navigating insurance claims can be challenging. To help you maximize your compensation from your insurance company in Denver, we recommend the following steps:

1. Review Your Policy: Start by thoroughly understanding your insurance policy. Know your coverage limits, deductibles, and the claims process. This knowledge is crucial for ensuring you receive all the benefits you’re entitled to.
2. Document Everything: Keep meticulous records of every interaction with your insurance company. Document your damages, medical treatments, and any related expenses with photos and detailed notes. This documentation will support your claim and strengthen your case.
3. File Your Claim Promptly: Report the incident to your insurance company immediately. Timely reporting is essential, as delays can complicate your claim or result in reduced compensation.
4. Provide Complete Information: Ensure that all required documents and information are submitted accurately and promptly. Incomplete or incorrect information can lead to delays or denials.
5. Negotiate: If the insurance company’s initial offer doesn’t cover all your damages, don’t accept it right away. Insurance companies often start with lower offers, so be prepared to negotiate for a fair settlement.
6. Seek Professional Assistance: If you encounter difficulties or if the insurance company is uncooperative, consult with our Denver auto accident lawyers. We’ll guide you through the claims process, negotiate on your behalf, and work to secure the compensation you deserve.

Gather as much evidence as possible, including:

• Contact information: Names, addresses, and phone numbers of all parties involved.
• Insurance details: Policy numbers and contact information for all involved parties.
• Photos: Take pictures of the accident scene, vehicle damage, and injuries.
• Witness information: Names and contact details of any witnesses.
• Medical records: Documentation of all injuries and treatments.

This information will be crucial for building a solid case and pursuing fair compensation.

Potential compensation for an auto accident can include:

• Medical expenses: Past, present, and future medical costs.
• Lost wages: Income lost due to injuries.
• Property damage: Costs to repair or replace your vehicle.
• Pain and suffering: Compensation for physical and emotional distress.
• Other damages: Depending on the case, other damages could include loss of earning capacity, wrongful death, and more.

It’s generally advisable to avoid contacting the other driver’s insurance company directly. Their primary goal is to minimize payouts, and any statements you make could be used against you. It’s better to let your insurance company or an attorney handle communication with the other party’s insurer.

In Denver, CO, you generally have three years from the date of your auto accident to file a lawsuit.

There are specific statutes of limitations for motor vehicle accidents in Colorado, which differ from the standard two-year limit for most personal injury cases. However, it’s essential to understand that there are exceptions to this rule that could affect your specific case.

Exceptions & Important Considerations

• Wrongful Death: If the accident resulted in a fatality, the statute of limitations for filing a wrongful death lawsuit is generally two years from the date of death.
• Discovery Rule: In certain situations, the statute of limitations may be extended if the injury isn’t immediately apparent. The “discovery rule” allows you to file a claim within two years of discovering the injury, as long as it was reasonable not to have discovered it sooner.
• Minors: If the injured person is a minor, the statute of limitations may be tolled (paused) until they reach the age of 18.
• Government Liability: Cases involving government entities have a shorter statute of limitations, usually 182 days.

Consult an Attorney as Soon as Possible

Due to these potential exceptions and the complexities of personal injury law, it’s crucial to consult with a qualified attorney as soon as possible after your accident. A lawyer can assess your specific situation, identify any applicable exceptions, and ensure you file your lawsuit within the appropriate timeframe.

Remember, the statute of limitations is a strict deadline. If you miss it, you could lose your right to seek compensation for your injuries and other damages.

If the at-fault driver in an accident doesn’t have insurance in Colorado, you still have options. First, check if your insurance covers the damages. MedPay can help with medical expenses, and collision coverage can assist with vehicle repairs. If you have Uninsured/Underinsured Motorist (UM/UIM) coverage, it can compensate for medical costs, pain, suffering, and lost income. 

If these options don’t cover all your losses, you may consider filing a personal injury lawsuit against the uninsured driver, though it depends on their financial assets. An auto accident attorney can provide guidance on navigating insurance claims and legal options.

Colorado is an “at-fault” state for car accidents, meaning that the driver who caused the accident is responsible for paying damages, even if the driver responsible is a resident of another state that is a “no-fault” jurisdiction. You can file a claim against the at-fault driver’s insurance or pursue a personal injury lawsuit.

In Colorado, all drivers are required to have auto insurance to cover them in case they cause an accident. The minimum insurance amounts required are:

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

Colorado follows the modified comparative negligence legal theory. This means that if you are less than 50% responsible for the accident, you can still seek compensation for your injuries. However, the amount of damages you can receive will be reduced by the percentage of your responsibility. For example, if you are found to be 20% at fault, your compensation will be reduced by 20%.