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Frequently Asked Questions

Straight answers for injured Coloradans on fees, deadlines, damages, insurance, and what working with our trial lawyers actually looks like. You pay nothing unless we win.

No fee unless we win
Or speak with our team now (303) 209-9395

Over the years our clients have asked many of the same questions after a crash or injury. We answer the most common ones here, grouped by topic, so you can find what you need before you ever pick up the phone.

  • We work on contingency. You pay no upfront fees, and you owe attorney fees only if we recover money for you. The first consultation is free.
  • Colorado car crash lawsuits generally must be filed within three years of the crash. Most other injury claims have a two-year deadline. Some claims, like those against a government entity, have far shorter notice rules, so confirm your specific deadline with an attorney early.
  • You do not have to give the other driver's insurance company a recorded statement, and you should talk to a lawyer before you do.

CGH Injury Lawyers is a Colorado personal injury firm founded in 2016. We represent injured people statewide in a free, confidential consultation, in English or Spanish. If your question is not answered below, call (303) 209-9395 or contact our team.

Fees and cost

Fees, costs, and the no-fee guarantee

How much does it cost to hire CGH Injury Lawyers?

Nothing upfront. We handle injury and accident cases on a contingency fee basis, which means you pay attorney fees only if we win money for you. If we do not recover compensation, you owe us no attorney fee. Your first consultation is always free.

What is a contingent fee?

A contingent fee means our payment is contingent on winning your case. Instead of charging by the hour, we take an agreed percentage of the recovery, and only if there is a recovery. This lets injured people afford strong representation without paying out of pocket while they are hurt and out of work.

Is the consultation really free?

Yes. We offer a free initial consultation to discuss your case and answer your questions, with no obligation to hire us. We also offer it in Spanish. You can call us, fill out our online form, or chat with our team to get started.

Do I have to pay anything if we lose?

No. Our fee comes only from a settlement or verdict we recover for you. We advance the costs of building your case, including expert witness fees, and those costs are repaid from the recovery only after we win. If there is no recovery, you owe us no legal fee.

Who pays the costs of expert witnesses and investigation?

We do, upfront. Building a serious case can require accident reconstruction specialists, medical experts, and life care planners. We front those investigation and expert costs while your case is pending, so you are not asked to pay out of pocket while you are hurt and out of work.

The legal process

How a Colorado injury claim works

Why should I choose CGH Injury Lawyers?

We are aggressive trial lawyers who are willing to take a case as far as it needs to go to obtain the compensation you need. We prepare every case as if it will be tried, which strengthens our position in negotiation. Every case is handled by a licensed Colorado attorney, and we communicate in English or Spanish. You can read more about our team on the about page.

What happens after I contact you about a crash?

First we review the facts in a free case evaluation and explain your rights. If you hire us, we investigate by gathering police reports, witness statements, and medical records, then send a documented demand to the at-fault insurer. Most cases settle in negotiation. If an insurer refuses a fair offer, we are prepared to file suit and try your case to a Colorado jury.

What are the four elements of negligence in an injury case?

To establish negligence in Colorado you must prove four elements: duty, meaning the at-fault party owed you a duty of care; breach, meaning they violated that duty; causation, meaning their breach directly caused the harm; and damages, meaning you suffered measurable harm as a result. Each element has to be supported with evidence.

Should I take pictures of a crash?

Yes. If you are safely able to, always try to photograph the scene after a car crash. Capture the vehicles, road conditions, visible injuries, and anything that shows how the crash happened. Photos taken at the scene are evidence that an insurance company cannot easily dispute later.

Should I go see a doctor after a crash?

The answer is almost always yes. Seeing a doctor helps you heal and creates a medical record of your injuries. It also prevents the insurance company from arguing that a gap in care means you were not really hurt. Some injuries, like whiplash and concussions, do not show symptoms until hours or days later.

What are delayed symptoms after a car accident?

Headaches, neck stiffness, back pain, shoulder pain, dizziness, and tingling or numbness in the arms or legs often appear hours or days after a crash. The adrenaline of the moment can mask them. See a doctor right away, because prompt medical records document these symptoms for your claim and protect your health.

How will my car get fixed after a crash?

Property damage is handled separately from your injury claim, usually through the at-fault driver's insurer or your own collision coverage. Repair or total-loss payments do not require you to settle your injury claim, and you should not let an adjuster bundle the two. We can help you understand your options so a quick car repair check does not undercut your injury recovery.

Do most injury cases settle or go to trial?

Most injury claims settle before trial, because going to trial is expensive for insurers. Having an attorney who is genuinely prepared to go to trial, and has done so in Denver District Court, is often the lever that produces a stronger settlement offer. We prepare every case as if it will be tried.

Case value and damages

What an injury claim is worth and how damages work

What is the average settlement for an injury case in Colorado?

There is no standard average. Settlement value depends on the severity of injuries, who was at fault, the available insurance limits, and whether the case goes to trial. A soft-tissue case and a spinal cord injury case are not comparable. Reputable attorneys do not quote averages; they evaluate the full picture of medical costs, lost earnings, pain and suffering, and long-term impact.

What is the difference between economic and non-economic damages?

Economic damages are objectively calculable losses such as past and future medical expenses, lost wages, and loss of earning capacity. Non-economic damages compensate for pain, suffering, loss of enjoyment of life, and emotional distress. In Colorado, non-economic damages are subject to a statutory cap, while economic damages are not capped.

Does Colorado cap the damages I can recover?

Colorado caps non-economic damages such as pain and suffering 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. Two categories are not capped at all: economic damages such as medical bills and lost wages, and compensation for physical impairment or disfigurement. Different rules apply to medical malpractice and wrongful death.

Can I still recover a lot if non-economic damages are capped?

Often yes, especially in serious cases. Because economic damages and damages for physical impairment or disfigurement are not capped, a well-built case focuses on those uncapped losses such as lifetime care costs, ongoing medical needs, and lost earning capacity. In catastrophic cases those amounts can far exceed the non-economic limit.

What is a Life Care Plan and why does it matter?

A Life Care Plan is a document built by certified planners that projects every future medical and non-medical need, from a wheelchair replaced every few years to attendant care and home modifications. In a serious case it becomes the foundation for economic damages. Without one, an insurer's low offer can look reasonable; with one, the real lifetime cost is on the record.

Should I accept the first settlement offer?

No. First offers from insurance companies almost never reflect the full value of your medical costs, lost wages, and pain and suffering. Once you sign a release of liability, you usually cannot seek more money even if your injuries worsen. Speak with an attorney before accepting any offer so it accounts for your future care.

What does maximum medical improvement mean for my case?

Maximum medical improvement is the point where your condition stabilizes and doctors can predict your long-term prognosis. Settling before you reach it risks undervaluing the claim, because future complications and care costs may not yet be known. An experienced attorney can file suit to protect your deadline while you continue treating.

Are punitive damages available in Colorado injury cases?

Sometimes. Punitive, or exemplary, damages may be available when the at-fault party acted with willful and wanton conduct, which is a high bar. Under C.R.S. 13-21-102, exemplary damages generally cannot exceed the amount of actual damages awarded. They are meant to punish egregious conduct, not to compensate for your losses.

Deadlines

Deadlines and the statute of limitations

How long do I have to file a car accident lawsuit in Colorado?

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)). Shorter deadlines can apply: most non-vehicle injury claims must be filed within two years, and claims involving a government vehicle or agency require a formal written notice within 182 days of discovering the injury. Contact an attorney early so your specific deadline can be confirmed.

What is the deadline for injury claims that are not car crashes?

Many Colorado personal injury claims that do not involve a motor vehicle carry a two-year deadline (C.R.S. 13-80-102), while motor vehicle cases generally get three years. The exact deadline depends on the type of claim and who is involved, and some situations are much shorter. Do not rely on a general rule; confirm your specific deadline with an attorney as soon as you can.

What is the deadline to file a claim against a government entity?

Before suing a Colorado public entity, you must submit a written notice of claim within 182 days after you discover the injury under the Colorado Governmental Immunity Act (C.R.S. 24-10-109). That notice is a jurisdictional prerequisite, and missing it permanently bars the claim, no matter how strong the facts are. This deadline applies to claims involving public buses, city vehicles, and government property.

How long do I have to file a medical malpractice claim?

Generally two years from when you discovered, or should have discovered, the injury, with an absolute three-year deadline from the date of the negligence (C.R.S. 13-80-102.5). Narrow exceptions exist, such as a foreign object left in the body or concealment. Claims against government-run hospitals have much shorter notice deadlines, so talk to a lawyer promptly.

How long do I have to file a wrongful death claim in Colorado?

The general deadline is two years from the date of death (C.R.S. 13-80-102). Strict exceptions apply. A claim against a government entity requires a formal notice of claim within a much shorter window, and certain circumstances can change the deadline. Because Colorado's standing rules for who may file are also time-sensitive, it is best to consult an attorney as soon as possible.

Does the deadline change if the injured person is a child?

Often, yes. For many injury claims involving a minor, the filing deadline is tolled, which generally means the clock does not start until the child turns 18. Even with that extra time, evidence should be preserved early, because witness memories fade and records can be lost. A lawyer can confirm exactly how the deadline applies to a child's claim.

Is there a deadline for childhood sexual abuse claims?

For civil claims based on sexual misconduct, Colorado eliminated the statute of limitations effective January 1, 2022, so these claims can now be filed at any time (C.R.S. 13-80-103.7). That open window also covers older abuse if the old deadline had not yet expired by January 1, 2022. Because that analysis is fact-specific, a confidential case evaluation is the way to determine where your situation stands.

What happens if I miss the deadline?

If you file after the statute of limitations has passed, the court can dismiss your case and you may lose the right to recover anything, no matter how strong the facts are. That is why it is worth confirming your deadline early. A free consultation costs you nothing and tells you exactly how much time you have.

Insurance and fault

Dealing with insurance companies and fault

Should I speak to the insurance company after a crash?

Be careful. The other driver's insurer is not on your side, and its goal is to reduce what it pays you. You are not required to give a recorded statement, and you should talk to a lawyer before you do. Do not admit fault or guess at the severity of your injuries before a full medical evaluation, because anything you say becomes part of the claim record.

What should I not say to the insurance adjuster?

Avoid saying "I'm fine," apologizing, or agreeing that you do not need a doctor. Do not admit fault, estimate the severity of your injuries before a full medical evaluation, or agree to a recorded statement without attorney guidance. Those statements appear in the claim file and can reduce your payout. You can refer the adjuster to your attorney at (303) 209-9395.

Can I still recover if I was hit by an uninsured driver?

Often, yes. If you carry uninsured or underinsured motorist coverage, you may file a claim under your own policy. Colorado UM/UIM claims are governed by C.R.S. 13-80-107.5 under Pham v. State Farm, 2013 CO 17. We can review your coverage and check whether the at-fault driver has other assets worth pursuing.

Does my own car insurance cover me as a pedestrian or cyclist?

It can. If you carry uninsured or underinsured motorist coverage, it often applies even when you are on foot or on a bike, and it can provide compensation when the at-fault driver has too little insurance or flees the scene. This matters most in hit-and-run cases. Check your policy declarations page or ask us to review your limits.

What if I was partly at fault?

You can still recover in Colorado as long as you were less than 50 percent at fault, under the state's modified comparative fault rule (C.R.S. 13-21-111). Your award is reduced by your share of fault. If you are found 50 percent or more at fault, you cannot recover. Insurance adjusters often inflate the injured person's fault to cut the payout, and an attorney can challenge that.

What is the collateral source rule and how does it help me?

Colorado's collateral source rule generally prevents the at-fault party from reducing your award just because your own health insurance paid some of your bills. The wrongdoer does not get a discount because you were responsible enough to carry coverage. How the rule applies to your specific case is something we evaluate when we value your claim.

Is it worth getting an attorney after a car accident?

In most cases, yes. An attorney can document your damages properly, handle insurer communications, and negotiate from a position of trial readiness. Early legal review also helps preserve evidence before it disappears. We offer free consultations with no obligation, so there is no cost to find out where your case stands.

Specific injuries and case types

Questions about specific injuries and case types

Can I have a brain injury if my MRI is normal?

Yes. Standard MRI and CT scans often miss the microscopic axonal injuries that cause persistent symptoms in mild traumatic brain injury cases. Colorado courts recognize that the absence of visible structural damage does not mean the absence of injury. Your case may require advanced imaging, neuropsychological testing, and expert testimony to prove functional impairment despite normal initial scans.

Do I need a lawyer for a concussion?

Even a mild concussion is worth a legal consultation if symptoms last beyond a few weeks or affect your ability to work. Insurers routinely undervalue concussion claims. An attorney can determine whether your case needs neuropsychological testing, vocational assessment, or advanced imaging to prove the full extent of your damages, steps you likely would not know to request on your own.

What makes an injury catastrophic under Colorado law?

A catastrophic injury is one that is permanent and life-altering, such as a spinal cord injury, a moderate to severe traumatic brain injury, an amputation, or a severe burn. The legal question is whether the injury permanently changes your ability to live independently. Colorado courts require medical experts to translate the diagnosis into a whole-person impairment rating using the AMA Guides to the Evaluation of Permanent Impairment.

Can I sue my employer for a workplace injury in Colorado?

Generally no. Colorado's workers compensation system is the exclusive remedy against your employer, meaning you usually cannot sue your employer for negligence. You can, however, pursue third-party claims against equipment manufacturers, subcontractors, or property owners whose negligence contributed to your injury. We look for every responsible party beyond the employer.

Who is liable in a Colorado truck accident, the driver or the company?

Both can be liable. The driver is responsible for their own negligence, such as speeding or distracted driving. The trucking company can be vicariously liable if the driver was an employee, or directly liable for negligent hiring, training, supervision, or maintenance. Many cases involve multiple parties, including the truck manufacturer and third-party maintenance contractors.

Who is liable in an Uber or Lyft accident in Colorado?

Responsibility depends on the driver's status at the time of the crash, which decides which policy applies. If the app was off, the driver's personal insurance typically covers damages. If the app was on but waiting for a request, the company's limited coverage applies after the personal insurer denies the claim. Once the driver is en route or has a passenger, the company's $1 million commercial policy applies. Proving app status usually requires app data and GPS records.

Does the dog have to have bitten someone before for me to have a case?

No. Colorado rejects the "one bite rule" for serious injuries. Under the strict-liability track in C.R.S. 13-21-124(2), the dog's history is irrelevant if your injury qualifies as serious bodily injury, and the owner is liable for your economic damages even if the dog had never bitten anyone before. For less serious injuries, the dog's history matters because you would proceed under a negligence theory.

Who pays a Colorado dog bite settlement?

In most cases the owner's homeowner or renter liability insurance pays, not the owner personally. Most Colorado policies include this coverage, though some insurers exclude certain breeds or cap the limits. We confirm the policy terms early so we know what coverage is available before negotiating.

Can I still recover if I signed a waiver for a ski lift ticket?

Often, yes. A waiver generally protects a resort from liability for the inherent risks of skiing, but it does not shield the resort from gross negligence, such as equipment failure, operator error, unmarked hazards, or reckless employee conduct. An experienced ski accident attorney can investigate whether the waiver can be challenged based on these exceptions.

Can I sue a Colorado bar that overserved the driver who hit me?

Possibly. Colorado's Dram Shop Act (C.R.S. 44-3-801) lets injured people sue a licensed vendor that willfully and knowingly served alcohol to a visibly intoxicated patron, or to anyone under 21, who then caused the harm. These claims carry a strict one-year deadline from the date of service, far shorter than most injury claims, so it is important to act quickly.

Can I sue if my car was under a recall and I got hurt?

Yes. A recall fixes the part for free, but it does not pay for the injuries the defect already caused. If a defective vehicle or part hurt you, you can bring a product liability claim against the manufacturer under C.R.S. 13-21-401 et seq. The recall itself can be evidence that the manufacturer knew the part was dangerous.

Who can file a wrongful death claim in Colorado?

Colorado follows a strict hierarchy. In the first year after the death, only the surviving spouse may file. In the second year, both the surviving spouse and the children may file. Parents may file only if there is no surviving spouse or children. Colorado's standing rules set a strict hierarchy that depends on who survived the deceased; confirm with an attorney whether you are a qualifying heir under C.R.S. 13-21-201. We can help you confirm whether you hold the right to file.

Can I hold an institution liable for a sexual assault, not just the individual?

Often, yes. Schools, employers, healthcare facilities, religious organizations, and transportation companies may be held liable if they failed to provide adequate safeguards, ignored prior complaints, or otherwise contributed to conditions that enabled the assault. These claims involve complex theories of negligence, and we evaluate whether the organization where your assault occurred bears legal responsibility. Your first consultation is confidential.

Working with us

Working with CGH Injury Lawyers

Do you speak Spanish?

Yes. Se habla espanol. We serve Spanish-first clients across Colorado and offer the free consultation in English or Spanish, so language is never a barrier to getting your questions answered.

Where is your office and what areas do you serve?

Our office is at 2701 Lawrence St., Suite 201, Denver, CO 80205. We represent injured people across the state of Colorado, not just the Denver metro. You can find directions and ways to reach us on the contact page.

What types of cases do you handle?

We handle personal injury and accident cases statewide, including car, truck, and motorcycle crashes, pedestrian and bicycle injuries, catastrophic and brain or spinal injury, medical malpractice, premises liability, and wrongful death. You can see the full list on our practice areas page.

Do you handle cases outside the Denver metro area?

Yes. We represent injured people across Colorado, in counties including Denver, Jefferson, Boulder, Douglas, Adams, Weld, Pueblo, El Paso, Summit, Broomfield, and Montrose. The free consultation is available statewide, in English or Spanish, whether you reach us by phone or online.

How do I get started?

Call (303) 209-9395, request a free case review online, or reach us through the contact page. We will review what happened at no cost and no obligation, and tell you honestly where your case stands.

IT'S MORE THAN MONEY.

Still have questions? We have answers.

Free consultation. No fee unless we win. Available across Colorado, in English or Spanish.

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