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Fort Collins, Colorado. CGH Injury Lawyers represents people injured by distracted drivers across Colorado.

IT'S MORE THAN MONEY.

Fort Collins Distracted Driving Accident Lawyers Who Make Inattentive Drivers Pay

When a driver looking at a phone hits you on College Avenue, I-25, or anywhere in Fort Collins, you are dealing with serious injuries, lost work, and an insurer that started building its defense before you left the hospital. CGH Injury Lawyers serves Fort Collins and Larimer County from our Denver office, proves what the driver was doing, files in the 8th Judicial District, and tries the case in the District Court, Larimer County when an insurer refuses to be fair. No fee unless we win.

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A driver who causes a crash in Fort Collins while distracted is liable for your injuries under ordinary motor-vehicle negligence law. To win, you must prove four elements: duty, breach, causation, and damages. A phone record, a traffic-camera clip, or a police-report notation is often the single piece of evidence that locks down the breach, and that evidence has a short shelf life.

  • Colorado uses modified comparative fault. You can recover after a Fort Collins crash even if you share some blame, as long as your share of fault is less than 50 percent (C.R.S. 13-21-111). If you are found 50 percent or more at fault, you recover nothing, and your award is reduced by your percentage of fault.
  • The deadline to file a lawsuit for injuries from a Fort Collins motor vehicle crash is three years from the date of the crash (C.R.S. 13-80-101(1)(n)). If the at-fault vehicle was operated by a City of Fort Collins employee or a government agency, written notice is required within 182 days of discovering the injury (C.R.S. 24-10-109(1)).
  • Cell-carrier data and traffic-camera footage have short retention windows. The evidence that proves a driver was distracted can disappear in weeks, so the time to preserve it is now, not near the filing deadline.

CGH Injury Lawyers does not have a Fort Collins office. We serve Larimer County clients from our Denver office at 2701 Lawrence St., file in the 8th Judicial District, and travel to Fort Collins as the case demands. Managing Partner Kevin Cheney is a member of the American Board of Trial Advocates and has tried over 25 cases to verdict. You pay nothing unless we recover for you.

Who we help

Who we represent after a distracted driving crash in Fort Collins

Distracted driving crashes in Fort Collins happen in a wide range of situations. This page is for people dealing with any of them, and it is honest about the cases we cannot take.

We represent you if you were

  • A driver or passenger hit by someone who was on their phone
  • A rear-end collision victim on College Avenue (US 287), I-25, or SH-14 where the other driver had no time to brake
  • A pedestrian struck at the Drake Road or Horsetooth Road intersections on College Avenue by an inattentive driver
  • A cyclist hit near Colorado State University or along a Fort Collins bike route by a driver who was not watching the road
  • Hit at a Fort Collins intersection where the other driver ran a light while distracted
  • A rideshare passenger injured because an Uber or Lyft driver was looking at the app

Situations we do not accept

  • Cases where you were 50 percent or more at fault for the crash under C.R.S. 13-21-111, Colorado's modified comparative fault rule. We tell you plainly in the free review if the facts put you on the wrong side of that line.
  • Cases with no documentable injury. Minor fender-benders with no medical treatment and no wage loss are not cases we can honestly take on contingency.
  • Claims already resolved by a signed release with the at-fault driver's insurer. A signed release is generally final.

The law that governs your case

Colorado negligence law decoded for Fort Collins distracted driving victims

A distracted driving case in Fort Collins is a motor-vehicle negligence case. The legal theory is straightforward, but proving it requires the right evidence gathered at the right time. Here is what the law actually requires.

The four elements you must prove

Every motor-vehicle negligence claim in Colorado rests on four elements. Miss one and the claim fails, which is why evidence quality matters so much from the first hours after a Fort Collins crash.

  1. Duty

    Every driver operating a vehicle on a Fort Collins road owes a duty of reasonable care to other motorists, passengers, cyclists, and pedestrians. This element is almost always present in a distracted driving case.

  2. Breach

    The driver failed to meet that standard of care by being distracted. Phone records showing activity at the time of impact, a traffic camera showing the driver's head down, a witness statement, or a police report noting distraction are the common ways breach gets proven. This is often the hardest element to lock down, and it is where early evidence preservation is everything.

  3. Causation

    The distracted driver's breach caused your crash and your injuries. Insurance companies frequently argue that the crash had another cause or that your injuries existed before the crash. Medical records, imaging, and sometimes accident reconstruction are the tools that establish causation.

  4. Damages

    You suffered measurable harm as a result, from medical bills and lost income to pain and the long-term impact of a serious injury. Documenting every category of harm is how a claim reaches full value rather than the insurer's first number.

Colorado comparative fault: what it means for your Fort Collins case

Colorado follows a modified comparative fault rule under C.R.S. 13-21-111. You can recover damages as long as your share of fault is less than 50 percent. If you are found 50 percent or more at fault, you recover nothing. If you are, say, 20 percent at fault, your award is reduced by 20 percent. This matters because insurance adjusters routinely claim the victim contributed to the crash. An attorney reviews the evidence to challenge inflated fault assessments before any number gets locked in.

The filing deadline for your Fort Collins crash

Colorado gives you three years from the date of the crash to file a lawsuit for injuries arising out of the use or operation of a motor vehicle (C.R.S. 13-80-101(1)(n)). That sounds like a long time, but phone-carrier records and traffic-camera footage have retention periods that are far shorter, and the evidence that proves a driver was distracted can disappear in weeks. If a City of Fort Collins vehicle or a government agency was involved, a separate written notice is required within 182 days of discovering the injury (C.R.S. 24-10-109(1)). Call before the records are gone, not before the deadline.

Local knowledge

Fort Collins roads, Fort Collins courts, Fort Collins trauma care

A distracted driving crash in Fort Collins happens on specific roads, gets treated at a specific hospital, and gets filed in a specific courthouse. Here is the ground we work on.

High-Crash Corridors

High-crash corridors: I-25, US 287 (College Avenue), and SH 14 (Poudre Canyon Road)

Fort Collins's road network carries heavy daily traffic, and distraction turns each of its main corridors dangerous. Interstate 25 is the city's main north-south spine and is subject to periodic closures from high winds and winter storms. US Highway 287 runs through the city as College Avenue and north toward Wyoming, a CDOT-documented high-crash corridor with 570 crashes and 15 fatalities over a five-year study period on the segment from Ted's Place to the Wyoming state line. College Avenue south of Prospect Road carries more than 40,000 vehicles per day, with accident-prone intersections at Drake Road and Horsetooth Road. Colorado State Highway 14 runs west through Poudre Canyon toward Cameron Pass, a narrow mountain route with seasonal ice and limited sight lines. A driver who can manage inattention on a quiet road cannot at these speeds.

Trauma Care

Trauma care: UCHealth Poudre Valley Hospital and Banner Fort Collins Medical Center

Fort Collins crash victims with serious injuries are commonly treated at UCHealth Poudre Valley Hospital, 1024 S. Lemay Ave., Fort Collins, CO 80524, a Level III Trauma Center verified by the American College of Surgeons and designated by the State of Colorado. Banner Fort Collins Medical Center, 4700 Lady Moon Dr., Fort Collins, CO 80528, holds a Level 4 Trauma Center designation from CDPHE. Trauma records from either facility document the full scope of your injuries and anchor the damages portion of your Fort Collins claim.

Courthouse

Courthouse: District Court, Larimer County, 8th Judicial District

A Fort Collins distracted driving lawsuit that exceeds the county-court jurisdictional limit is filed in the District Court, Larimer County, part of the 8th Judicial District, housed at the Larimer County Justice Center, 201 LaPorte Ave., Suite 100, Fort Collins, CO 80521. The local jury pool and the defense firms active in northern Colorado differ from the Denver metro. We handle 8th Judicial District cases directly from our Denver office.

Serving Fort Collins From Denver

Serving Fort Collins from Denver: CGH Injury Lawyers does not have a Fort Collins office

Our office is at 2701 Lawrence St., Suite 201, Denver, CO 80205, (303) 209-9395. We serve Larimer County distracted driving clients from that office, file in the District Court, Larimer County, and travel to Fort Collins for meetings, depositions, and site inspections as the case demands. There is no Fort Collins storefront. What you get is the work of a trial-ready team, not a local address.

Why CGH

Why Fort Collins distracted driving victims choose CGH Injury Lawyers

A trial-ready team, attorneys who have tried over 25 cases to verdict, bilingual service, and no fee unless we win. We do not publish settlement figures for distracted driving cases, because what a driver's phone records show and what your injuries actually cost are facts that belong to your case, not a headline on a web page. Here is what we bring instead.

The Rule

The rule: C.R.S. 13-21-111

Colorado's modified comparative fault law means you can recover even if you share some blame, as long as your share is less than 50 percent. We push back when adjusters inflate your fault number.

Footage disappears fast

Footage disappears fast. We preserve it the same day.

Traffic-camera footage along I-25, College Avenue, and Poudre Canyon Road is overwritten on short cycles. We send preservation letters to CDOT, the City of Fort Collins, and private operators the same day you retain us. Cell-carrier records follow a similar clock.

The Phone

The phone: the records tell the truth.

Call logs, text timestamps, and app activity from a driver's carrier records can prove exactly when distraction began. We know how to get them before they are gone.

Real Trial Lawyers

Real trial lawyers: 8 attorneys. Over 25 verdicts.

Managing Partner Kevin Cheney is an ABOTA member who has tried over 25 cases to verdict. Insurers respond differently when a firm is genuinely ready to try the case in the 8th Judicial District.

Serving Fort Collins From Denver

Serving Fort Collins from Denver: no storefront, the work, not an address.

Our office at 2701 Lawrence St., Suite 201, Denver, CO 80205 is where your attorney works. We serve Larimer County clients from there, file in the 8th Judicial District, and travel to Fort Collins for meetings, depositions, and site inspections as the case demands.

Bilingual

Bilingual: hablamos espanol.

Spanish-speaking staff and attorneys serve Fort Collins's Spanish-speaking community.

No Win, No Fee

No win, no fee: contingency only.

You pay nothing out of pocket for legal fees. We advance costs and collect only from a settlement or verdict.

After the crash

What to do after a distracted driving crash in Fort Collins

Take care of your health first, protect the evidence, then call before you talk to the insurer. With distracted driving, the evidence clock runs faster than the legal one.

  1. Get to safety and call 911

    Colorado law requires reporting crashes that involve injury, death, or significant property damage. A police report creates an official record of the scene, and the Fort Collins Police Department, Larimer County Sheriff, and Colorado State Patrol respond to crashes on I-25, College Avenue, and Poudre Canyon Road. If an officer notes that the other driver was on a phone, that notation can become key evidence.

  2. Seek medical care immediately

    UCHealth Poudre Valley Hospital, a Level III Trauma Center, and Banner Fort Collins Medical Center, a Level 4 Trauma Center, are the facilities most likely to treat a serious Fort Collins crash injury. Even a crash that feels minor at the scene can produce whiplash and traumatic brain injury symptoms hours or days later, and a treatment gap is one of the first things an insurer uses to argue your injuries were not serious.

  3. Document the scene and the driver

    Photograph the vehicles, the road, and any injuries. If you saw the other driver holding or looking at a phone, write it down while it is fresh. Collect witness names and phone numbers, and note the police report number before you leave. On I-25 or College Avenue, note the mile marker and photograph the freeway or intersection signs visible from the scene.

  4. Do not give a recorded statement

    The at-fault driver's insurer is not on your side. Do not agree to a recorded statement or sign any release before an attorney reviews it. Anything you say becomes part of the claims record and can be used to limit your recovery.

  5. Call us before the evidence is gone

    Traffic-camera footage and cell-carrier records have short retention windows. We send preservation letters to CDOT, the City of Fort Collins, and private camera operators the same day you retain us. Call (303) 209-9395.

  6. We build, negotiate, and litigate your claim

    We prove what the driver was doing, document your full damages, and negotiate from trial readiness. When an insurer refuses a fair offer, we file in the District Court, Larimer County and try your case.

Compensation

What compensation can you recover after a distracted driving crash in Fort Collins?

Colorado law recognizes two broad categories of damages after a motor vehicle crash. Knowing what is capped and what is not is critical to building a claim that does not leave money on the table.

Economic damages (never capped)

  • Emergency care, surgery, and hospitalization
  • Ongoing medical treatment and rehabilitation
  • Future medical care and life-care costs
  • Lost wages and lost income during recovery
  • Lost earning capacity when an injury is permanent
  • Property damage to your vehicle
  • Out-of-pocket expenses tied to the crash

Non-economic damages

  • Pain and suffering
  • Emotional distress
  • Loss of enjoyment of life
  • Loss of consortium for a spouse or family member

The damages cap explained. For claims accruing on or after January 1, 2025, Colorado caps non-economic damages such as pain and suffering at $1.5 million under C.R.S. 13-21-102.5, with inflation adjustments beginning in 2028. Lower, inflation-adjusted caps apply to older claims depending on when the claim accrued. Two categories are never subject to the cap: economic damages such as medical bills and lost wages, and compensatory damages for physical impairment or disfigurement, which together often represent the bulk of a serious crash recovery. Punitive damages are available under C.R.S. 13-21-102 when a defendant acted with fraud, malice, or willful and wanton disregard for others, and they are separate from and in addition to compensatory damages. ★★★★★ 5-star rated on Google "I wish I could leave more than 5 stars!" Grace Macaluso, 5-star Google review

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I wish I could leave more than 5 stars!

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Insurer defenses

Defenses insurers use in Fort Collins distracted driving cases, and how we counter them

Distracted driving claims do not die in court, they die during the claims process when the victim does not know what to say to the adjuster. Here are the three most common defenses and the evidence that defeats them.

  1. "You were partly at fault too"

    Colorado's modified comparative fault rule under C.R.S. 13-21-111 means every point of fault the adjuster pins on you reduces your award. Claiming you were tailgating, not watching ahead, or speeding is a standard tactic. We respond with the full evidence picture: traffic-camera timing, vehicle data recorders, police reports, and witness accounts that show where the fault actually sat and by how much.

  2. "There is no proof the driver was distracted"

    Without a recorded admission or a police citation, insurers often argue the driver was simply inattentive rather than distracted by a device. The difference matters because device use is harder to dispute when records exist. We issue preservation letters immediately and subpoena carrier records if the case goes to litigation. The driver's phone tells a story the adjuster cannot rewrite.

  3. "Your injuries were pre-existing or not serious"

    Insurers comb your medical history for any prior complaint they can blame the injury on, and they treat a gap in treatment as proof you were fine. We connect the crash to your injuries with imaging, treating-physician records, and, when needed, expert testimony, and we document why the care you received was reasonable and necessary. We will also tell you honestly if your case has a problem we cannot overcome. If the evidence does not support the claim or the facts put your fault at 50 percent or more under C.R.S. 13-21-111, we say so in the free consultation rather than take a case we cannot win. Honesty upfront is worth more than false hope later.

Fault and coverage

Insurance coverage in Fort Collins distracted driving claims

Colorado is not a no-fault state. You pursue your claim against the at-fault driver's liability insurer, not your own, but your own policy can still matter when the at-fault driver is uninsured or underinsured.

  • If you carry uninsured or underinsured motorist (UM/UIM) coverage, you may file a claim with your own insurer when the at-fault driver's coverage is absent or inadequate. Colorado UM/UIM claims are governed by C.R.S. 13-80-107.5 under Pham v. State Farm, 2013 CO 17.
  • We identify every available coverage source, including your own policy, the driver's commercial or rideshare insurer if the crash involved a working driver, and any umbrella policies, before we calculate your full potential recovery.
  • When a Fort Collins crash involves a city vehicle or a government employee driving in the course of their duties, a separate claims process applies under the Colorado Governmental Immunity Act, with a 182-day written notice requirement (C.R.S. 24-10-109(1)) and statutory caps of $505,000 per person and $1,421,000 per occurrence for claims accruing on or after January 1, 2026 (C.R.S. 24-10-114).

Frequently asked questions

Fort Collins distracted driving accident: frequently asked questions

How do you prove a driver was distracted in Fort Collins?

Distraction is the breach element of a negligence claim, and it is proven with evidence: phone-carrier call logs and text timestamps, app activity, traffic-camera footage showing the driver's head down, vehicle data recorders, witness statements, and any notation of distraction in the police report. Much of this evidence has a short retention window, so we send preservation letters and, in litigation, subpoena carrier records. The earlier we are involved, the more of that record survives.

How long do I have to file a distracted driving lawsuit in Fort Collins?

Colorado gives you three years from the date of the crash to file a lawsuit for injuries arising out of the use or operation of a motor vehicle (C.R.S. 13-80-101(1)(n)). If a City of Fort Collins vehicle or a government agency was involved, you must also provide written notice within 182 days of discovering the injury (C.R.S. 24-10-109(1)). That filing deadline is for filing in court, not for gathering evidence. Phone records and camera footage can disappear in weeks, so start the process early, not near the deadline.

What if I was partly at fault for the Fort Collins crash?

You can still recover as long as your share of fault is less than 50 percent under Colorado's modified comparative fault rule (C.R.S. 13-21-111). Your award is reduced by your percentage. So if you were 20 percent at fault and your damages are $100,000, you recover $80,000. If you are found 50 percent or more at fault, you recover nothing. Fort Collins insurers often push the victim's fault number up early in the process, especially on high-speed corridors like College Avenue and I-25 where following distance and lane changes are easily contested. We review the evidence to challenge inflated assessments before any number gets accepted.

Where is a Fort Collins distracted driving lawsuit filed?

A Fort Collins distracted driving lawsuit that exceeds the county-court jurisdictional limit is filed in the District Court, Larimer County, 8th Judicial District, at the Larimer County Justice Center, 201 LaPorte Ave., Suite 100, Fort Collins, CO 80521. Most claims settle before a lawsuit is filed, but venue affects the local rules and jury pool. CGH handles Larimer County District Court cases directly.

Is there a cap on damages in a Fort Collins distracted driving case?

Economic damages, which include medical bills, lost wages, and future care costs, are never capped in Colorado. Non-economic damages such as pain and suffering are capped at $1.5 million for claims accruing on or after January 1, 2025 under C.R.S. 13-21-102.5, with inflation adjustments starting in 2028. Compensation for physical impairment or disfigurement is also not subject to the cap. Lower caps apply to claims that accrued before January 1, 2025, with the specific amount depending on when the crash occurred. When a government entity is the defendant, the Colorado Governmental Immunity Act caps apply: $505,000 per person and $1,421,000 per occurrence for claims accruing on or after January 1, 2026 (C.R.S. 24-10-114).

What if the distracted driver had no insurance or low limits?

If you carry uninsured or underinsured motorist (UM/UIM) coverage, you may file a claim with your own insurer when the at-fault driver's coverage is absent or inadequate. Colorado UM/UIM claims are governed by C.R.S. 13-80-107.5 under Pham v. State Farm, 2013 CO 17. We identify every available coverage source, including the driver's commercial or rideshare insurer if applicable and any umbrella policies, before we calculate your full potential recovery.

Which trauma center would treat my injuries after a serious Fort Collins crash?

The primary trauma centers serving the Fort Collins area are UCHealth Poudre Valley Hospital, 1024 S. Lemay Ave., Fort Collins, CO 80524, a Level III Trauma Center verified by the American College of Surgeons, and Banner Fort Collins Medical Center, 4700 Lady Moon Dr., Fort Collins, CO 80528, a Level 4 Trauma Center designated by CDPHE. Medical records from either facility are central to documenting the full scope of a serious Fort Collins crash injury claim.

Can I still file a claim if I did not call the police at the Fort Collins crash scene?

Often, yes, though a police report makes the claim stronger. If no report was made, we rebuild the record other ways: medical records that tie your injuries to the crash, witness statements, traffic-camera footage where it exists, and the at-fault driver's own phone records. The sooner you call, the more of that evidence we can preserve. Reach our Denver office at (303) 209-9395.

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IT'S MORE THAN MONEY.

A distracted driver changed your life in two seconds. We hold them accountable for every cost that follows.

Free consultation. No fee unless we win. Serving Fort Collins and Larimer County from our Denver office. Start your free Fort Collins case review (303) 209-9395 Read next: Colorado car accident lawyers statewide CGH Injury Lawyers · Serving Fort Collins from our Denver office at 2701 Lawrence St., Suite 201, Denver, CO 80205 The content on this page is provided for general informational purposes only and does not constitute legal advice. Reading this page does not create an attorney-client relationship. Laws vary by jurisdiction and change frequently. Always consult a licensed attorney for advice specific to your situation.

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CGH Injury Lawyers · Serving Fort Collins from our Denver office at 2701 Lawrence St., Suite 201, Denver, CO 80205