Loveland Bicycle Accident Lawyer

5-star rated on Google CDOT Vulnerable Road User Safety Task Force ABOTA trial advocate on the team No fee unless we win

Loveland bicycle accident cases that exceed the county-court limit are filed in the 8th Judicial District at the Larimer County District Court, 201 LaPorte Ave., Fort Collins, CO 80521. CGH Injury Lawyers files and tries Larimer County bicycle crash cases directly from our Denver office.
Colorado gives cyclists the same legal rights as motor vehicle operators under Title 42. Drivers must give cyclists at least three feet of clearance when passing (C.R.S. 42-4-1003), and a violation is direct evidence of negligence. Under Colorado's Safety Stop law (C.R.S. 42-4-1412.5), cyclists may treat stop signs as yield signs and proceed through a red light after stopping when it is safe, which makes it legal to clear stale red lights that do not detect bicycles.
When a motor vehicle causes a Loveland bicycle crash, Colorado gives you three years to file a lawsuit (C.R.S. 13-80-101(1)(n)). If a government vehicle or road defect was involved, a written notice of claim must reach the public entity within 182 days of discovering the injury (C.R.S. 24-10-109(1)) or the government claim is gone entirely.

Loveland sits at the gateway to the Rockies, where US-34, known locally as Eisenhower Boulevard, doubles as a busy commercial corridor and a route that recreational cyclists use to reach Big Thompson Canyon. That combination, fast-moving vehicle traffic through retail driveways and intersections alongside cyclists heading to the foothills, produces a specific set of collision risks that are different from those on a Denver street grid. When a driver's inattention or failure to yield causes a crash on those roads, CGH Injury Lawyers manages the claim from our Denver office, negotiates with the insurer, and files in the 8th Judicial District when a fair settlement is refused. You pay nothing unless we recover for you.

The Safety Stop law (C.R.S. 42-4-1412.5)

At a stop sign, you may treat it as a yield sign. Slow down, check for cross traffic, and yield to vehicles and pedestrians with the right of way. You are not required to come to a full foot-down stop when the intersection is clear.
At a red light, you must come to a complete stop. After stopping and yielding to all cross traffic and pedestrians, you may proceed when it is safe to do so. This rule directly addresses traffic signals on US-34 and US-287 that do not reliably detect a stopped bicycle.
Using the Safety Stop correctly is following Colorado law, not breaking it. An adjuster who says otherwise is wrong, and we document that distinction in every Loveland bicycle crash claim we handle.

The three-foot passing rule (C.R.S. 42-4-1003)

Drivers must leave at least three feet of clearance when passing a cyclist. When a lane is too narrow to do that without crossing the center line, the driver must wait or change lanes.
On US-34 through Loveland, where commercial driveways and signalized intersections create pressure for drivers to squeeze past riders, close-pass violations are a direct and documented cause of sideswipe crashes and mirror strikes.
A documented three-foot rule violation is direct evidence of negligence in a civil claim. We use dashcam footage, witness accounts, and accident reconstruction to prove the clearance was inadequate.

Taking the lane and riding two abreast in Loveland

Colorado law allows cyclists to occupy the center of a travel lane when conditions make it the safest choice, and to ride two abreast when doing so does not impede the normal and reasonable flow of traffic. A driver who tailgates, leans on the horn, or tries to force a cyclist to the gutter may be liable for aggressive driving or endangerment. On US-287 through Loveland, where the road carries both commuter and recreational traffic, cyclists who are lawfully in the lane and are then struck still have a strong claim regardless of how much the driver complained about being behind them.

CGH Injury Lawyers attorneys serve on the CDOT Vulnerable Road User Safety Task Force, working alongside state transportation officials on the policy and road-design questions that determine cyclist safety on Northern Front Range corridors like US-34 and US-287. That background lets us speak the language of traffic engineering when it matters in your case.

US-34 (Eisenhower Boulevard) Commercial Corridor

US-34 runs east-west through Loveland as Eisenhower Boulevard, serving as the city's primary commercial artery. It carries high vehicle volumes through a long corridor of strip malls, retail developments, driveways, and cross-street intersections. Cyclists who use this route, whether commuting or heading toward the foothills, face left-turn conflicts from drivers entering or exiting commercial driveways, right-hook crashes at intersections, and close-pass situations where traffic lanes narrow. Drivers navigating multiple lane changes to reach their next turn often do not check their mirrors for cyclists before moving. A crash on Eisenhower Boulevard frequently involves multiple questions about driver attention, sight distance to the cyclist, and whether the commercial property adjacent to the crash point contributed to a hazardous condition.
The I-25 and US-34 Interchange: Speed Transition Zone

The interchange where I-25 meets US-34 is a documented crash cluster on the Northern Front Range. Freeway-speed vehicles coming off I-25 transition abruptly to the arterial speeds and cross-traffic of US-34, creating rear-end and merge conflicts. Cyclists who ride on US-34 near this interchange encounter drivers who are still decelerating from highway speed and who may not be watching for a cyclist at the shoulder or in the bike lane. The interchange's ramp geometry, where drivers accelerating to enter I-25 or decelerating from it cross or come close to the bike lane, generates specific risk that is different from the mid-corridor commercial risk further east on Eisenhower Boulevard. Physical configuration, signal timing, and CDOT data for this interchange are all relevant to establishing liability after a bicycle crash near it.
US-287 North-South Corridor Through Loveland

US-287 runs through the Loveland area as a high-volume north-south arterial connecting Northern Front Range communities. It carries commuter traffic, commercial vehicles, and recreational travelers. Cyclists on US-287 face the same pressures as on other undivided state highways: close passes, inattentive turning movements at intersections, and drivers who underestimate how quickly they close on a cyclist when exiting or entering driveways. Intersections along US-287 and its transitions to local Loveland surface streets produce documented exposure for angle collisions and turning-movement crashes. When a cyclist is hit at a US-287 intersection, the questions about who had the right of way and whether the driver checked for cross traffic are often contested, and that is exactly where the Safety Stop law and the three-foot rule become decisive.
US-34 West Toward Big Thompson Canyon

West of downtown Loveland, US-34 transitions from an urban commercial road into the gateway route to Big Thompson Canyon. This western segment is heavily used by recreational cyclists heading toward the foothills and Estes Park. The road narrows and curves increase in frequency as it approaches the canyon entrance, and sight distances shorten. Drivers who are impatient to reach the canyon or who are accelerating after leaving the Loveland commercial district may close on cyclists faster than they anticipate. A collision on this stretch involves the same three-foot rule and comparative fault analysis as any other Loveland corridor, but the road geometry and speed differentials create a specific fact pattern that we know well.
Downtown Loveland Intersections and Parallel Parking Zones

Downtown Loveland along Cleveland Avenue and nearby streets has parallel parking adjacent to travel lanes. When a vehicle occupant opens a door without checking for an approaching cyclist, the result is a dooring crash. The force of a car door into a cyclist at even slow riding speeds is enough to cause broken bones, facial fractures, or traumatic brain injury. Liability for a dooring crash rests on the person who opened the door into the path of a lawfully riding cyclist, and that is rarely disputed. What is disputed, and what we document aggressively, is the full extent of the cyclist's injuries and their projected future cost.

Call 911 and request a police report

A Loveland Police Department or Larimer County Sheriff report creates an official record of the crash, the vehicle involved, and the other party's insurance information. Even a minor-seeming collision can produce spinal injury, concussion, or internal bleeding that adrenaline masks at the scene. Request both police and emergency medical response, and make sure a written report is created before you leave.
Get evaluated at UCHealth Medical Center of the Rockies

UCHealth Medical Center of the Rockies is a Level II Trauma Center located in Loveland. It provides comprehensive around-the-clock trauma care, including surgical services, intensive care, and specialist coverage. Cyclists are particularly vulnerable to traumatic brain injury and internal trauma that adrenaline can hide at the scene. Getting examined within hours creates a medical record that directly ties your injuries to the crash, and that record becomes the backbone of your damages claim. McKee Medical Center is a second Loveland-area hospital providing additional acute care for less critical injuries.
Document the Loveland scene

Photograph your bicycle, your injuries, the vehicle that struck you, the road surface, lane markings, signage, and the surrounding area. Note the exact location: whether it was on Eisenhower Boulevard, near the I-25 and US-34 interchange, on US-287, or in downtown Loveland. Collect witness names and contact information before anyone leaves. Commercial cameras on US-34's retail corridor and traffic cameras at major intersections may have captured the crash, and that footage is often overwritten within days. Acting quickly to preserve it can be decisive.
Preserve your bicycle and gear

Do not repair or discard your bicycle, helmet, or clothing. The damage pattern on your bike and gear is physical evidence of how the crash happened and the forces involved. The direction of impact, the point of contact on the frame, and the state of the gear can all corroborate or contradict what the driver claims about the collision sequence. We document this evidence from the start of every Loveland bicycle crash claim we handle.
Watch for government-entity involvement

If a City of Loveland vehicle, a Larimer County vehicle, or a CDOT maintenance truck was involved, or if a road defect such as a failed pavement surface, missing signage, or unmarked crossing contributed to the crash, a written notice of claim must be filed within 182 days of discovering the injury under the Colorado Governmental Immunity Act (C.R.S. 24-10-109(1)). That 182-day clock runs from the date you discovered the injury, not necessarily the date of the crash. Missing it bars the government-entity portion of your claim entirely, regardless of how strong the facts are.
Contact a Loveland bicycle accident attorney

Colorado gives you three years from the date of the crash to file a bicycle accident lawsuit when a motor vehicle caused your injuries (C.R.S. 13-80-101(1)(n)). That clock feels long, but evidence from intersection cameras and nearby business systems can be overwritten within days. A free consultation with CGH Injury Lawyers costs you nothing and clarifies which deadlines apply to your specific Loveland bicycle crash.

Economic damages (no cap)

Medical expenses, past and future, including emergency care at UCHealth Medical Center of the Rockies, surgery, specialist care, and ongoing rehabilitation
Lost wages from time missed at work during recovery
Loss of future earning capacity when a crash injury affects your ability to work long-term
Bicycle replacement or repair and damage to other personal property
Physical therapy, assistive devices, and home care costs projected into the future
Out-of-pocket transportation and caregiver costs directly caused by the crash

Non-economic and other damages

Pain and suffering from the crash and the recovery process
Emotional distress and anxiety, including the fear of cycling again after a traumatic collision on Eisenhower Boulevard or US-287
Loss of enjoyment of life when a crash injury limits cycling and other activities you valued
Loss of consortium when an injury affects a spouse or family relationship
Compensation for physical impairment or disfigurement, which carries no cap under Colorado law

The damages cap, the comparative fault rule, and the helmet defense

For claims accruing on or after January 1, 2025, Colorado caps non-economic damages such as pain and suffering at $1,500,000 under C.R.S. 13-21-102.5. Economic damages such as medical bills and lost wages are never capped. Compensation for physical impairment or disfigurement is also uncapped under C.R.S. 13-21-102.5(5), which makes those categories the foundation of serious Loveland bicycle crash claims where injuries are permanent. A cyclist who loses the full use of a limb, sustains a spinal cord injury, or suffers lasting neurological damage from a crash on US-34 can build a claim that significantly exceeds the non-economic cap because the economic and impairment categories have no ceiling.

Colorado's modified comparative negligence rule (C.R.S. 13-21-111) means you can recover damages as long as you were less than 50 percent at fault. Your award is reduced by your share of fault. If you are found 50 percent or more at fault, you recover nothing. Insurers use this rule relentlessly on Loveland bicycle crash claims, arguing that the cyclist contributed to the crash at the I-25 interchange, failed to use lights on US-34 after dark, or was riding in a position that made them hard to see. The Safety Stop law and the three-foot rule are our principal tools for keeping fault where it belongs: on the driver.

Colorado does not require adults to wear helmets while cycling. Not wearing a helmet is not automatic negligence. An insurer may argue that going without a helmet contributed to head injuries, and that argument can reduce recovery under the comparative negligence rule, but it does not bar your claim. We work with medical experts to show that the driver's negligence caused the harm regardless of whether a helmet was worn.

Uninsured and underinsured motorist (UM/UIM) coverage

If an uninsured driver hits you while you are on your bicycle, or if the at-fault driver's liability limits fall short of your damages, your own UM/UIM coverage may pay your medical bills, lost wages, and pain and suffering. This matters most in hit-and-run crashes on Eisenhower Boulevard and US-287 and whenever a driver carries only the state minimum in liability insurance. We identify every available policy at the start of every Loveland bicycle crash case, including homeowner and umbrella coverage that many cyclists overlook.

Government-entity crashes and CGIA caps

When a City of Loveland vehicle, a Larimer County vehicle, or a road design or maintenance failure contributed to a bicycle crash, the claim involves a public entity and the Colorado Governmental Immunity Act applies. For claims accruing on or after January 1, 2026, CGIA caps recovery from a public entity at $505,000 per person and $1,421,000 per occurrence (C.R.S. 24-10-114). The notice requirement under C.R.S. 24-10-109(1) is strict: 182 days from the date you discovered the injury. That clock starts earlier than most people expect. Missing it bars the government-entity claim entirely.

Courthouse

Larimer County District Court, Fort Collins (8th Judicial District)

Loveland bicycle accident lawsuits above the county-court jurisdictional limit are filed in the 8th Judicial District of Colorado at the Larimer County District Court, 201 LaPorte Ave., Fort Collins, CO 80521. Loveland is in Larimer County, and all Larimer County District Court civil cases are handled at this Fort Collins courthouse. Loveland shares this courthouse with Fort Collins and the rest of Larimer County. The local procedural rules, the jury pool drawn from Larimer County residents, and the defense firms that regularly appear in the 8th Judicial District are specific to this court, and we handle Larimer County bicycle crash cases directly from our Denver office. CGH Injury Lawyers does not have a Loveland office. We serve Loveland and Larimer County from our Denver office at 2701 Lawrence St., Suite 201, Denver, CO 80205, and file at this Fort Collins courthouse. Most cases settle before any lawsuit is filed, but knowing which court applies, and who sits on that jury pool, affects how we build every Loveland bicycle claim from day one.

Trauma Care

UCHealth Medical Center of the Rockies (Level II Trauma Center, Loveland)

UCHealth Medical Center of the Rockies is a Level II Trauma Center located in Loveland. A Level II designation means the facility provides comprehensive trauma care around the clock, including surgical services, intensive care, and specialist coverage. When a Loveland bicycle crash sends a rider to Medical Center of the Rockies, those trauma records document the full scope of the injuries and become the backbone of the damages claim. Bicycle crash injuries treated here, including traumatic brain injury, spinal fractures, and internal trauma, require immediate and accurate medical documentation to ensure no cost is left out of the demand. McKee Medical Center is a second Loveland-area hospital that provides acute care for injuries that do not require Level II trauma services. We coordinate with records from both facilities to build a complete medical picture from day one through projected future treatment.

Cycling Corridors

US-34 (Eisenhower Blvd.), I-25/US-34 Interchange, and US-287

US-34 runs through Loveland as Eisenhower Boulevard, a high-volume commercial arterial where cyclists face close-pass risk, right-hook collisions at commercial driveways, and left-turn conflicts throughout its length. The interchange where I-25 meets US-34 is a documented crash cluster on the Northern Front Range, where freeway-speed traffic transitions to arterial speeds and creates specific danger for cyclists near the ramps and approach lanes. US-287 runs through the Loveland area as a high-volume north-south corridor, adding further close-pass and turning-movement exposure. West of downtown, US-34 becomes the gateway route to Big Thompson Canyon, a road popular with recreational cyclists where narrowing lanes and increasing curves create sight-distance hazards. These corridors together produce the majority of serious bicycle crash claims originating in or near Loveland, and knowing their documented hazard patterns is how we build the liability side of a Larimer County bicycle crash case.

Your team

The Loveland bicycle accident team behind your case

CGH Injury Lawyers is a eight-attorney Colorado firm founded in 2016, formerly Cheney Galluzzi and Howard. Our attorneys serve on the CDOT Vulnerable Road User Safety Task Force, working directly with state transportation officials and legislators on cyclist safety standards for Northern Front Range corridors including those in Loveland and Larimer County. Managing Partner Kevin Cheney is a member of the American Board of Trial Advocates (ABOTA) and has tried over 25 cases to verdict. Timothy G. Tarr has been recognized by Best Lawyers every year since 2023. Every Loveland bicycle accident case is handled by a licensed Colorado attorney who files and tries cases in the 8th Judicial District, not by a paralegal.

ABOTA member on the team Tim Tarr: Best Lawyers in America since 2023 CDOT Vulnerable Road User Safety Task Force Over 25 cases to verdict 8th Judicial District experience Bilingual EN / ES Free consultation No fee unless we win

One thing we are upfront about: CGH Injury Lawyers does not have a Loveland office. We serve Loveland bicycle accident clients from our Denver office at 2701 Lawrence St., Suite 201, Denver, CO 80205. We come to you for meetings when needed, file at the Larimer County District Court in Fort Collins, and try cases in the 8th Judicial District. What you get is the work and the result, not a storefront on Eisenhower Boulevard.

I wish I could leave more than 5 stars!

Grace M., 5-star CGH Injury Lawyers client review

How long do I have to file a bicycle accident lawsuit in Loveland?

Colorado gives you three years from the date of the crash to file a bicycle accident lawsuit when a motor vehicle caused your injuries (C.R.S. 13-80-101(1)(n)). If a government entity such as the City of Loveland, Larimer County, or CDOT was involved through a vehicle or a road defect, you must also serve a written notice of claim within 182 days of discovering the injury under C.R.S. 24-10-109(1), or the government claim is barred entirely. Camera footage from US-34's commercial corridor and intersections near the I-25 interchange is typically overwritten within days, so contact us promptly after any Loveland bicycle crash.

Where would my Loveland bicycle accident lawsuit be filed?

A Loveland bicycle accident case above the county court limit is filed in the 8th Judicial District of Colorado at the Larimer County District Court, 201 LaPorte Ave., Fort Collins, CO 80521. Loveland is in Larimer County, and all Larimer County District Court civil cases go to this Fort Collins courthouse. The court draws a jury pool from Larimer County residents, and the defense firms CGH attorneys face there regularly handle Larimer County crash cases. We file and try 8th Judicial District bicycle crash cases directly from our Denver office.

What if I was partly at fault for the crash on US-34 or US-287?

Colorado follows a modified comparative fault rule (C.R.S. 13-21-111). You can recover as long as your share of fault is less than 50 percent, and your award is reduced by your percentage of fault. If you are found 50 percent or more at fault, you recover nothing. Insurance adjusters routinely inflate a cyclist's fault percentage on Loveland roads to push toward or past that bar. We use the Safety Stop law (C.R.S. 42-4-1412.5) and the three-foot passing rule (C.R.S. 42-4-1003) to challenge that assessment with physical evidence and witness accounts specific to the Loveland crash site.

Can I recover if I was not wearing a helmet when I was hit?

Yes. Colorado does not require adults to wear helmets while cycling, and not wearing one is not automatic negligence. An insurer may argue that the absence of a helmet contributed to head or facial injuries, a theory that can reduce your recovery under the comparative negligence rule, but it does not bar your claim entirely. We work with medical experts to establish the cause and extent of your injuries and to show that the driver's negligence, not your choice about headgear, is why you were hurt.

Does my own car insurance cover me when I am riding my bicycle in Loveland?

Often yes. If you carry uninsured or underinsured motorist (UM/UIM) coverage, that coverage may apply to you as a cyclist when an uninsured or underinsured driver causes the crash. This is most important in hit-and-run cases on Loveland roads and when the at-fault driver carries the state minimum in liability insurance. We identify every available policy at the start of every bicycle crash case, including UM/UIM, homeowner, and umbrella coverage.

Does CGH Injury Lawyers have an office in Loveland?

No. CGH Injury Lawyers has one office, at 2701 Lawrence St., Suite 201, Denver, CO 80205, (303) 209-9395. We serve Loveland and Larimer County bicycle accident clients from that office, file cases at the Larimer County District Court in Fort Collins, and meet you wherever is convenient. There is no additional charge for Loveland clients. We are available in English and Spanish.

Loveland

Loveland personal injury lawyers

Practice Areas

Firm

Get Help

Loveland Bicycle Accident Lawyers Who Fight for Injured Cyclists on Every Road and Trail in Larimer County

The Colorado Safety Stop law and cyclist rights: what Loveland riders need to know

The Safety Stop law (C.R.S. 42-4-1412.5)

The three-foot passing rule (C.R.S. 42-4-1003)

Taking the lane and riding two abreast in Loveland

The Loveland roads, intersections, and corridors behind the most serious bicycle injury claims

US-34 (Eisenhower Boulevard) Commercial Corridor

The I-25 and US-34 Interchange: Speed Transition Zone

US-287 North-South Corridor Through Loveland

US-34 West Toward Big Thompson Canyon

Downtown Loveland Intersections and Parallel Parking Zones

What to do immediately after a bicycle accident in Loveland

Call 911 and request a police report

Get evaluated at UCHealth Medical Center of the Rockies

Document the Loveland scene

Preserve your bicycle and gear

Watch for government-entity involvement

Contact a Loveland bicycle accident attorney

What you can recover after a Loveland bicycle crash, and how comparative fault affects it

Economic damages (no cap)

Non-economic and other damages

The damages cap, the comparative fault rule, and the helmet defense

Your own auto policy may cover your Loveland bicycle crash

Uninsured and underinsured motorist (UM/UIM) coverage

Government-entity crashes and CGIA caps

Loveland courts. Loveland trauma care. Loveland cycling corridors.

Larimer County District Court, Fort Collins (8th Judicial District)

UCHealth Medical Center of the Rockies (Level II Trauma Center, Loveland)

US-34 (Eisenhower Blvd.), I-25/US-34 Interchange, and US-287

The Loveland bicycle accident team behind your case

Loveland bicycle accident frequently asked questions

You were hit while riding in Loveland. We handle everything else.

Loveland Bicycle Accident Lawyers Who Fight for Injured Cyclists on Every Road and Trail in Larimer County

The Colorado Safety Stop law and cyclist rights: what Loveland riders need to know

The Safety Stop law (C.R.S. 42-4-1412.5)

The three-foot passing rule (C.R.S. 42-4-1003)

Taking the lane and riding two abreast in Loveland

The Loveland roads, intersections, and corridors behind the most serious bicycle injury claims

US-34 (Eisenhower Boulevard) Commercial Corridor

The I-25 and US-34 Interchange: Speed Transition Zone

US-287 North-South Corridor Through Loveland

US-34 West Toward Big Thompson Canyon

Downtown Loveland Intersections and Parallel Parking Zones

What to do immediately after a bicycle accident in Loveland

Call 911 and request a police report

Get evaluated at UCHealth Medical Center of the Rockies

Document the Loveland scene

Preserve your bicycle and gear

Watch for government-entity involvement

Contact a Loveland bicycle accident attorney

What you can recover after a Loveland bicycle crash, and how comparative fault affects it

Economic damages (no cap)

Non-economic and other damages

The damages cap, the comparative fault rule, and the helmet defense

Your own auto policy may cover your Loveland bicycle crash

Uninsured and underinsured motorist (UM/UIM) coverage

Government-entity crashes and CGIA caps

Loveland courts. Loveland trauma care. Loveland cycling corridors.

Larimer County District Court, Fort Collins (8th Judicial District)

UCHealth Medical Center of the Rockies (Level II Trauma Center, Loveland)

US-34 (Eisenhower Blvd.), I-25/US-34 Interchange, and US-287

The Loveland bicycle accident team behind your case

Loveland bicycle accident frequently asked questions

Related Loveland pages and Colorado practice areas

You were hit while riding in Loveland. We handle everything else.