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CGH Injury Lawyers represents bus accident victims in Loveland, serving Larimer County from our Denver office.
Loveland, Colorado

Loveland Bus Accident Lawyers Who Beat the 182-Day Deadline

A bus crash in Loveland is not a standard car accident. When COLT, the City of Loveland's own bus system, or another public agency runs the bus, the Colorado Governmental Immunity Act gives you only 182 days to file a written Notice of Claim. We protect that deadline and the evidence before it disappears. No fee unless we win.

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Serving Loveland from our Denver office CGH Injury Lawyers 2701 Lawrence St., Suite 201 Denver, CO 80205 (303) 209-9395 Se habla espanol
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  • If a public entity operated the bus, you must file a written Notice of Claim within 182 days of discovering your injury (C.R.S. 24-10-109). Miss that window and the claim is barred for good.
  • Bus operators are common carriers held to the highest degree of care for passenger safety, which can make negligence easier to prove than in a typical car accident.
  • When a private contractor runs the route, the government damage caps may not apply, and the contractor's commercial insurance can open access to far higher limits.

CGH Injury Lawyers represents passengers, pedestrians, and families hurt in transit, school, and charter bus crashes in Loveland and across Larimer County. We do not keep a Loveland office. We serve Loveland from our Denver office and handle your case in the Larimer County District Court, the 8th Judicial District, when an insurer or public entity refuses to be fair. We move quickly to identify the true operator, preserve bus camera footage before it is erased, and protect your claim before the 182-day window closes, with no upfront fees and a free first consultation.

The law that governs your case

The Colorado Governmental Immunity Act, decoded for Loveland

The Colorado Governmental Immunity Act (C.R.S. 24-10-101 et seq.) changes how an injury claim works the moment a government entity is involved. It gives public entities sovereign immunity, meaning they generally cannot be sued for their employees' governmental functions. The Act includes a key waiver for motor vehicle crashes under C.R.S. 24-10-106, which is what allows an injured rider to bring a claim against the City of Loveland, which runs COLT, its paratransit service, and the new LINC connector, or another public transportation provider.

Three restrictions that do not apply to ordinary injury cases

  • Strict notice requirement. You must file a formal Notice of Claim within 182 days of discovering your injury (C.R.S. 24-10-109), far shorter than the standard statute of limitations.
  • Damage caps. Colorado law sets statutory limits on what you can recover from a public entity, no matter how severe your injuries are.
  • Limited discovery. Government entities carry certain procedural protections during investigation and litigation that private defendants do not have.

Procedural missteps here can permanently bar an otherwise strong claim. That is why a transit case in Loveland calls for action and specialized knowledge from the first week.

Who is actually liable

Who operated the bus changes everything

One of the most misunderstood parts of a Colorado transit case is figuring out who actually operated the bus. This is not a technical detail. It decides which legal framework, and which insurance, governs your recovery.

Public agency operations

  • The public entity employs the driver and owns the bus
  • Your claim falls under the CGIA in full
  • Government immunity, damage caps, and the 182-day notice all apply
  • The Notice of Claim goes to the entity's legal department or the city attorney

Private contractor operations

  • Public agencies often contract routes to private transit companies
  • The contractor provides the bus and employs the driver
  • The CGIA damage caps may not apply
  • Commercial general liability insurance, often with much higher limits, becomes the primary source of recovery

A bus's exterior branding can mislead you. A transit-branded bus may actually be run by a private contractor. Determining the true operator means examining the driver's employment records, the vehicle registration and insurance documents, the service contracts between the agency and third-party operators, and the driver's uniform and identification.

This investigation has to happen fast, before evidence disappears and before the 182-day deadline runs. The operator question is often the difference between a case capped at $505,000 and one with access to multi-million-dollar commercial insurance. When another vehicle helped cause the crash, that driver may share liability too, and their insurance is not subject to the CGIA caps.

The common carrier standard

Why bus operators are held to a higher duty of care

Colorado law does not treat all drivers the same. A private motorist must use reasonable care under the circumstances. Bus operators, as common carriers, are held to the highest degree of care for passenger safety. That heightened duty exists because riders entrust their safety to the carrier and have little ability to protect themselves once the bus is moving.

Where the higher standard applies

  • Sudden stops and starts. Jerk-and-jolt injuries happen when a bus brakes or accelerates abruptly and throws standing passengers to the floor, even when the driver hit nothing.
  • Door closures. Closing doors on a passenger trying to board or exit, without verifying clearance, can violate the duty of care.
  • Failure to secure mobility devices. Wheelchair users and riders with mobility aids are entitled to proper securement before the bus moves.
  • Inadequate weather precautions. In Loveland winters, operators are expected to salt steps, allow extra boarding time, and adjust to conditions.

Because of this standard, you do not have to prove recklessness or extreme carelessness. You only have to show the operator failed to exercise the extraordinary care the law requires of common carriers, which often makes negligence easier to establish than in an ordinary car crash.

Colorado's strictest deadline

The 182-day Notice of Claim requirement

If you plan to bring a claim against the City of Loveland after a COLT, paratransit, or LINC crash, or another public entity, the 182-day Notice of Claim is the most important deadline you face. Miss it and the case is over before it begins, no matter how strong the evidence. The clock is set by C.R.S. 24-10-109.

  1. The clock starts when you discover the injury

    The 182 days run from the date you discover the injury, not the date you learn the full extent of your damages. A crash on January 1 means the notice must arrive well inside that window.

  2. It must be received, not just mailed

    Mailing by the deadline is not enough. The written Notice of Claim must be received by the correct office, the entity's legal department or the city attorney for a municipal system.

  3. What the notice must include

    Your name and address, the date, time, and location of the crash, a description of the injury and how it happened, the names of any public employees involved, and the compensation you are seeking.

  4. This is not the statute of limitations

    The 182-day notice is a jurisdictional prerequisite to suing, separate from the personal injury statute of limitations. Compliance is required before any action can proceed, and failure to comply forever bars the claim.

  5. Act in the first week

    Many injured riders do not realize a government vehicle was involved until weeks later, when precious time has already passed. The safest move is to talk with an attorney right away so the notice and evidence preservation begin at once.

Local Knowledge

Larimer County courts. Loveland trauma care. The roads where crashes happen.

A Loveland bus case lives in Loveland: the hospital that treated you, the corridors where the crash happened, and the courthouse where your case may be filed. Here is the ground we work on, served from our Denver office.

Courthouse

Larimer County District Court

A Loveland personal injury lawsuit is filed in the Larimer County District Court, the 8th Judicial District, the state trial court of general jurisdiction, at the Larimer County Justice Center, 201 LaPorte Ave., Suite 100, Fort Collins, CO 80521; the Loveland Police and Courts Building at 810 E. 10th Street holds two county courtrooms only, while the district judges sit in Fort Collins. The 8th Judicial District covers Larimer and Jackson counties. Local civil procedure differs from other counties, and the judges and opposing counsel either know your firm or they do not. We handle these cases directly.

Trauma Care

Medical Center of the Rockies, a Level I center in the city

Loveland has northern Colorado's Level I trauma center: UCHealth Medical Center of the Rockies, at 2500 Rocky Mountain Avenue, which the Colorado Department of Public Health and Environment lists at Level I, the only one in Larimer County. Poudre Valley Hospital in Fort Collins is Level III, Banner Fort Collins Medical Center is Level IV, and North Colorado Medical Center in Greeley is Level II, with Children's Hospital Colorado in Aurora for injured children. Those records become the backbone of your damages claim.

High-Risk Roads

US 34, US 287, I-25, and Taft Avenue

Bus routes share the city's busiest corridors. COLT runs Routes 1 through 7 from the City's Public Works department, with Routes 4 and 5 adding peak service on the Thompson School District schedule and a door-to-door paratransit service, and its new LINC connector links the North Transit Center at North Garfield Avenue (US 287) and 37th Street with Transfort's South Transit Center in Fort Collins; Transfort's FLEX regional route and CDOT's Bustang North Line, which stops at the Centerra Loveland Mobility Hub at I-25 Exit 257 and is driven by the contractor Ace Express Coaches, also serve the city. US 34, US 287, and I-25 are CDOT highways: CDOT's US 34 study names Loveland's urban and six-lane segments, a school bus stop on the highway at County Road 23H, and wildlife crashes near the Big Thompson River, and calls the corridor's truck traffic rising with the oil and gas industry; the City names US 287 and Taft Avenue as its main north-south arterials and plows US 287 first. Where a crash happens can shift liability toward CDOT, the city, or a third-party driver.

Loveland also carries hazards that bear on transit crashes. CDOT expects Larimer County's population to grow 52 percent by 2040 and daily trips on I-25 to rise 60 percent, and it is building the $415 million Mead to Berthoud stretch of I-25 south of the city through 2028 after finishing about 20 miles of improvements between Berthoud and Fort Collins. West of town, US 34 through the Big Thompson Canyon was rebuilt after the floods of 1976 and 2013 and ran as an 11-mile, one-lane, pilot-car road during the 2017 repairs. The City averages 40 inches of snow a year on 352 miles of paved streets, plows arterials first, treats school bus routes as second priority, and says those collector streets often remain snow-packed. The Census Bureau puts the population at 81,387 as of July 2025, up about 6.6 percent since 2020. Each of these facts can shape who is liable and what evidence matters.

Why CGH

Why Loveland bus accident victims choose CGH Injury Lawyers

Trial-ready attorneys, deep command of the CGIA, bilingual help, and no fee unless we win. We do not publish bus accident settlement figures, because every transit injury is different and a number on a page tells you nothing about your case. What we offer is the work, not a headline.

The Deadline

182 days, not years.

When a public entity is involved, the Notice of Claim is due within 182 days under C.R.S. 24-10-109. We protect that deadline from day one so the case is never lost on a technicality.

Serving Loveland

We come to you.

We do not keep a Loveland office. We serve Loveland and Larimer County from our Denver office at 2701 Lawrence St., Suite 201, handle your case in the 8th Judicial District, and meet you where it works for you. Call (303) 209-9395.

The Operator

We find who really ran the bus.

A public agency or a private contractor. That answer decides which caps and which insurance apply, and it can be worth millions.

Evidence

We preserve the footage.

Bus camera footage is often overwritten on a 30-day cycle. We send preservation demands at once so the proof is not erased.

Trial-Ready

Built for trial.

Managing Partner Kevin Cheney is a member of the American Board of Trial Advocates and has tried over 25 cases to verdict. When attorneys are genuinely ready to try a case in the 8th Judicial District, insurers respond differently to a demand.

Bilingual

Hablamos espanol.

Spanish-speaking staff and attorneys serve Loveland's Spanish-speaking community.

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 bus accident in Loveland

Take care of your health first, document what you can, then call before you talk to any insurer. Here is the path we walk with you.

  1. Get medical care

    UCHealth Medical Center of the Rockies, the Level I trauma center in Loveland, treats the region's gravest crash injuries. Even an injury that feels minor can hide internal harm. Get examined, and keep every record.

  2. Document the scene

    Photograph the bus, its markings and number, the roadway, and your injuries. Note the route, the time, and where you were on the bus. Get the names and contact information of any witnesses.

  3. Call before insurance does

    A public entity's insurer or a contractor's adjuster may call quickly. Do not give a recorded statement or accept any offer before speaking with us. Call (303) 209-9395.

  4. Identify the operator and preserve evidence

    We move at once to determine the true operator and send preservation demands for bus camera footage and electronic data before it is overwritten.

  5. File the Notice of Claim

    When a public entity is involved, we prepare and deliver the Notice of Claim well inside the 182-day window, to the correct office.

  6. Negotiate or litigate

    Most cases settle. When an insurer or public entity refuses a fair offer, we file in the Larimer County District Court and try your case.

Compensation

Damage caps and the exceptions that can lift them

When the CGIA applies, C.R.S. 24-10-114 caps what you can recover from a public entity. For claims accruing on or after January 1, 2026, the statutory limits are $505,000 per person for injuries caused by a single public employee or incident, and $1.42 million in total when several people are hurt in the same incident. These figures are adjusted for inflation periodically, so confirm the current amounts when your claim is filed.

What counts toward the cap

  • Medical bills, past and future
  • Lost income and rehabilitation costs
  • Pain, suffering, and loss of quality of life
  • The cap applies only to the public entity's share, not to other responsible parties

When the caps may not apply

  • A private contractor operated the bus, opening access to commercial insurance
  • A third-party driver shares liability, whose insurer is not capped
  • Federal funding requires minimum coverage that can exceed state caps

For a catastrophic injury that requires lifetime medical care, the government caps can fall far short. That is exactly why the operator investigation in the first weeks matters so much. Finding a private contractor or a third-party driver can be the difference between a capped recovery and a full one.

Shared fault

What if you were partly at fault?

Colorado follows a modified comparative negligence rule under C.R.S. 13-21-111. If you were partly to blame, your compensation is reduced by your percentage of fault, but only if you were less than 50 percent responsible. At 50 percent or more, you recover nothing.

In transit cases, agencies often argue that a passenger was not holding a handrail during a sudden stop, that a pedestrian crossed against the signal or outside a crosswalk, or that a rider distracted the driver. Even so, you may still recover as long as the operator shares fault. A passenger who falls during a sudden stop might be 20 percent at fault for not holding on, yet still recover 80 percent of the damages if the driver violated the common carrier standard. An attorney can challenge an inflated fault percentage.

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How the money moves

Where the compensation actually comes from

A bus claim is paid by an insurer or a public entity's coverage, not out of a driver's pocket. Understanding which source applies is the heart of valuing your case.

  • When a public entity operated the bus, recovery comes through the entity under the CGIA, subject to the $505,000 per person and $1.42 million per incident caps (C.R.S. 24-10-114).
  • When a private contractor operated the route, its commercial general liability insurance often carries much higher limits, and the CGIA caps may not apply.
  • When another vehicle helped cause the crash, that driver's insurer can be a separate source, and it is not subject to the CGIA caps.
  • Identifying every available policy early is how we make sure no category of harm you suffered is left on the table.
Questions

Loveland bus accident, frequently asked questions

What is the deadline to file a claim after a Loveland public bus crash?

Before suing a Colorado public entity, you must submit a written Notice of Claim within 182 days of discovering your injury (C.R.S. 24-10-109). The notice must describe the crash, your injuries, and the compensation you are seeking, and it must be received by the correct office. Missing this jurisdictional deadline permanently bars your claim, regardless of its merit, so act in the first week.

Can I sue a public transit agency for a bus accident in Colorado?

Yes, but with significant restrictions. The Colorado Governmental Immunity Act waives immunity for motor vehicle accidents under C.R.S. 24-10-106, which allows lawsuits against a public transit system. You must file a Notice of Claim within 182 days, and damage caps limit recovery to $505,000 per person. If a private contractor operates the bus, different rules may apply.

How much can I recover in a Loveland bus accident claim?

When the CGIA applies, you can recover up to $505,000 per person or $1.42 million per incident from a public entity for claims accruing on or after January 1, 2026 (C.R.S. 24-10-114). These caps may not apply if a private contractor operates the bus or if third parties share liability, which can open access to higher insurance limits. The figures are adjusted for inflation periodically.

Where is a Loveland bus accident lawsuit filed?

Personal injury cases that arise in Loveland are filed in the Larimer County District Court, the 8th Judicial District, the Colorado state trial court of general jurisdiction, housed at the Larimer County Justice Center, 201 LaPorte Ave., Suite 100, Fort Collins, CO 80521. Most claims settle before a lawsuit is filed, but where a case would be filed affects the local rules and the jury pool. We serve Loveland from our Denver office and handle these cases directly.

What is the common carrier standard for bus operators?

Common carriers must exercise the highest degree of care for passenger safety, a stricter standard than ordinary drivers face. This heightened duty can make it easier to prove negligence in cases involving sudden stops, door closures, or inadequate safety precautions, because you only have to show the operator failed to exercise that extraordinary care.

How do I find out who actually operated the bus?

The bus's branding can be misleading. You need to examine the driver's employment records, vehicle registration, and the service contracts between the transit agency and any third-party operators. This investigation should begin immediately after the crash, because the true operator decides which damage caps and which insurance apply, and it can be the difference between a capped recovery and access to commercial insurance.

What if I was partly at fault for the bus accident?

Colorado's modified comparative negligence rule allows recovery if you were less than 50 percent at fault (C.R.S. 13-21-111). Your compensation is reduced by your percentage of responsibility. For example, if you are 20 percent at fault, you recover 80 percent of your total damages. At 50 percent or more, you recover nothing. We can challenge an inflated fault percentage.

Does the 182-day deadline apply to school and charter bus crashes in Loveland?

It depends on who operated the bus. A public school district bus is a government entity, so the CGIA notice deadline and caps generally apply. A privately owned charter or tour bus company is not a public entity, so a standard personal injury claim against its insurance may apply instead. Identifying the operator early is essential to protect the right deadline.

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It's More Than Money.

Injured on a Loveland bus? Start your claim before the 182-day clock runs out.

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CGH Injury Lawyers · Serving Loveland from 2701 Lawrence St., Suite 201, Denver, CO 80205