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I-25 and US-34 interchange near Loveland, Colorado. CGH Injury Lawyers represents catastrophic injury victims in Loveland and Larimer County from our Denver office.
Loveland, Colorado

Loveland Catastrophic Injury Lawyers Who Build Your Life Care Plan to Full Value

A spinal cord injury, traumatic brain injury, amputation, or severe burn at the I-25 and US-34 interchange, on Eisenhower Boulevard, or anywhere in Loveland can impose lifetime costs that far outpace an insurer's first offer. CGH Injury Lawyers does not have a Loveland office. We serve Loveland catastrophic injury victims from our Denver office, build certified Life Care Plans that survive courtroom challenges, and file in Larimer County when insurers refuse to pay what the law requires. You pay nothing 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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  • Loveland catastrophic injury cases are filed at the Larimer County District Court, 201 LaPorte Ave., Fort Collins, CO 80521, in Colorado's 8th Judicial District. CGH Injury Lawyers files and tries Larimer County catastrophic injury cases directly from our Denver office, with no additional cost to Loveland clients.
  • Most catastrophic injury claims arising from a motor vehicle crash in Loveland carry a three-year filing deadline under C.R.S. 13-80-101(1)(n). Most other catastrophic injury claims carry a two-year filing deadline under C.R.S. 13-80-102(1)(a). If a City of Loveland vehicle, a Larimer County vehicle, or any other government entity contributed to the injury, a written notice of claim must be served within 182 days of discovering the injury under C.R.S. 24-10-109(1), or the government-entity claim is permanently barred.
  • In a catastrophic case, economic damages such as lifetime medical costs and a Life Care Plan are never capped under Colorado law. Compensation for physical impairment or disfigurement is not capped at all under C.R.S. 13-21-102.5(5). Non-economic damages such as pain and suffering are capped at $1,500,000 for claims accruing on or after January 1, 2025. Those two uncapped categories, economic losses and physical impairment or disfigurement, carry the bulk of a catastrophic recovery's value.

Loveland sits at the junction of I-25 and US-34, one of the most documented crash corridors on the Northern Front Range. UCHealth Medical Center of the Rockies, a Level II Trauma Center located in Loveland, handles the most severe injuries that come out of this corridor. When the harm is permanent and life-altering, a standard insurance demand falls far short. CGH Injury Lawyers builds certified Life Care Plans with qualified planners and forensic economists, advances the cost of preparing them, and litigates in Larimer County court when the insurer refuses to recognize what the law requires. You pay nothing unless we win.

What qualifies

What counts as a catastrophic injury under Colorado law?

Colorado courts do not apply a single statutory definition of a catastrophic injury. The legal classification depends on whether the harm is permanent and life-altering, whether it produces a measurable whole-person impairment rating under the AMA Guides to the Evaluation of Permanent Impairment, and how the damage categories map to Colorado's cap structure. A diagnosis alone does not determine the classification. The legal question is permanence and life impact, not severity at the moment of the incident. At the I-25 and US-34 interchange and along Eisenhower Boulevard, the collision forces involved in high-speed merges, rear-ends, and angle crashes are among the most common mechanisms producing permanent harm.

Injuries that commonly qualify

  • Traumatic brain injury with lasting cognitive deficits, memory impairment, or behavioral change requiring lifetime supervision
  • Spinal cord injury, including paraplegia, quadriplegia, and incomplete injuries requiring ongoing mobility assistance and attendant care
  • Limb amputation requiring prosthetics, home modifications, vocational retraining, and replacement cycles across a working lifetime
  • Severe burns covering significant body surface area and requiring skin grafts, reconstructive surgery, and long-term wound management
  • Permanent organ damage requiring transplant evaluation, dialysis, or lifetime medication and management

Why the classification matters for your Loveland case

  • It determines which Colorado damage categories are uncapped and therefore where the bulk of a recovery comes from
  • It shapes the scope and cost of the Life Care Plan, the forensic document that turns a diagnosis into a dollar figure a court can award
  • It controls whether a government-entity notice under the Colorado Governmental Immunity Act must be filed within 182 days of discovery of the injury under C.R.S. 24-10-109(1)
  • It determines whether your treating physician's letter is enough or whether a certified Life Care Planner with CLCP or CNLCP credentials must sign the plan before it will survive a courtroom challenge
Where catastrophic injuries happen in Loveland

The Loveland roads and settings that produce the most serious permanent injuries

Catastrophic injuries in Loveland cluster around specific corridors and environments where collision energy is highest and where the distance from the scene to Level II trauma care, while shorter than many Northern Front Range locations, still involves critical minutes of transport time. Understanding the incident location matters because it identifies not just the at-fault driver but every party with legal exposure, including government entities that may have failed to address known road defects.

  1. The I-25 and US-34 Interchange Crash Cluster

    The interchange where I-25 meets US-34 is the defining crash concentration point on Loveland's highway network and one of the most documented collision clusters on the Northern Front Range. Vehicles moving between freeway speeds on I-25 and arterial speeds on US-34 encounter merge conflicts, split-second lane decisions, and timing failures that generate rear-end chains, sideswipe crashes, and high-energy angle collisions. The physical design of this interchange, its ramp geometry, signal timing, and the volume of commercial vehicles using the I-25 corridor, creates conditions where fault often extends beyond the individual driver to road design or maintenance decisions made by CDOT or the City of Loveland. When a government entity contributed to the crash, the 182-day notice clock under C.R.S. 24-10-109(1) begins running from the date the injured person discovers the injury, not from the date of the crash itself.

  2. US-34 (Eisenhower Boulevard) Commercial Corridor

    US-34, known locally as Eisenhower Boulevard, is Loveland's primary east-west commercial artery. It carries high vehicle volumes through a long corridor of retail developments, strip malls, driveways, and cross-street intersections with competing traffic movements. Left-turn conflicts, pedestrian crossings at mid-block points, and high-volume access points generate angle crashes, pedestrian strikes, and rear-end collisions at a rate consistent with heavily developed commercial arterials across Colorado's growing Front Range communities. A crash on Eisenhower Boulevard that produces a traumatic brain injury or spinal cord injury may involve multiple responsible parties, including commercial property owners who created or failed to address traffic hazards adjacent to their premises.

  3. US-287 North-South Corridor

    US-287 runs through the Loveland area as a high-volume north-south route connecting Northern Front Range communities. The Loveland segment carries a sustained mix of commuter traffic, commercial vehicles, and recreational vehicles heading toward and from the Rocky Mountain foothills. Intersections along US-287 and its transitions to local arterials create documented exposure for angle collisions and turning-movement crashes that frequently produce serious head and spinal injuries at the speeds this highway carries.

  4. Winter and Mountain-Weather Road Conditions

    Loveland sits at the base of the Colorado Rocky Mountains, where weather conditions change rapidly and without warning. Ice and compacted snow on I-25, US-34, and US-287 reduce traction and stopping distances dramatically, elevating rear-end and run-off-road crash risk throughout the winter season. Seasonal freeze-thaw cycles produce pavement heaving, pothole formation, and uneven walkway surfaces at commercial properties, creating premises liability exposure from November through early spring. When a government entity fails to warn about or address a road hazard that contributes to a catastrophic crash, the 182-day notice window under C.R.S. 24-10-109(1) begins from the date the injured person discovers the injury, and missing it ends the government-entity portion of the claim entirely.

  5. Commercial and Industrial Properties Along the Loveland Corridor

    Loveland's commercial development along Eisenhower Boulevard and its surrounding industrial zones generates elevation falls, equipment contact injuries, and loading-area incidents that represent a distinct category of catastrophic injury outside of motor vehicle crashes. These cases may involve layered liability among property owners, employers, equipment manufacturers, and contractors. Identifying every source of insurance coverage before any demand is sent is essential, because the full economic value of a catastrophic case often exceeds any single policy limit.

After a catastrophic injury

What to do after a catastrophic injury in Loveland

The decisions made in the first days and weeks after a catastrophic injury shape whether a full recovery is possible. These steps protect the injured person's rights and preserve the evidence a certified Life Care Planner and forensic economist will need to build a defensible claim in Larimer County.

  1. Get to the right level of trauma care

    UCHealth Medical Center of the Rockies is a Level II Trauma Center located in Loveland. A Level II designation means the facility provides comprehensive around-the-clock trauma care, including surgical services, intensive care, and specialist coverage for the full range of catastrophic presentations: traumatic brain injury, spinal cord injury, and severe trauma. McKee Medical Center is a second Loveland-area hospital providing additional acute care capacity. Every treatment record from every facility becomes part of the foundation for the Life Care Plan and the damages demand that follows it.

  2. Request a whole-person impairment evaluation

    AMA Guides whole-person impairment ratings are the measurement tool Colorado courts use to quantify permanent injury. A documented impairment rating from a qualified physician supports a defensible Life Care Plan and challenges any defense argument that the injury is not permanent or life-altering. Do not wait for treating physicians to request this evaluation on their own timeline. A prompt rating creates a documented baseline that anchors everything the certified planner builds from it.

  3. Preserve scene evidence before it disappears

    Camera footage from the I-25 and US-34 interchange, commercial properties on Eisenhower Boulevard, and dashcams from other vehicles is typically overwritten within days. The Loveland Police Department or Larimer County Sheriff report establishes the official record of the crash. Photographs of the road surface, vehicles, lane markings, signal timing, and weather conditions at the time of the incident are critical for establishing fault before evidence deteriorates or is removed from service.

  4. Watch the government-entity notice deadline

    If a City of Loveland vehicle, a CDOT maintenance decision, or a public road defect contributed to the injury, a written notice of claim must be served within 182 days of discovering the injury under C.R.S. 24-10-109(1). That clock runs from the date of discovery of the injury, not from the crash date, but it moves fast. Missing it bars the government-entity portion of the claim entirely, no matter how clear the facts are. Call us before that window closes.

  5. Do not settle before reaching maximum medical improvement

    Insurers often make early offers before the full scope of a catastrophic injury is known. Accepting a settlement before maximum medical improvement is reached almost always leaves money on the table, because future care costs cannot be accurately projected until treatment has stabilized. A certified Life Care Plan cannot be built reliably until the treating team has a clear picture of lifelong needs.

  6. Contact CGH Injury Lawyers before talking to the insurer

    The at-fault party's insurer is building its case from the moment the incident is reported. Do not give a recorded statement or sign any release before speaking with an attorney. CGH Injury Lawyers offers a free consultation at no cost and no obligation to injured people across Loveland and Larimer County.

The Life Care Plan

How a Colorado Life Care Plan turns a Loveland catastrophic injury into a documented dollar figure

Health insurance covers medically necessary treatment. It does not cover a life. A Life Care Plan is the forensic economic document that captures everything health insurance will never pay: lifetime attendant care, adaptive vehicles, home modifications, vocational retraining, Colorado-specific medical inflation, and the long-term cost of living with a permanent impairment. Colorado courts require these plans to be defensible, region-specific, and built by certified professionals who can withstand cross-examination under the Shreck and Daubert standards that govern Colorado expert testimony.

  1. A certified planner, not a treating letter

    Qualified Colorado Life Care Planners hold credentials such as CLCP or CNLCP. They review medical records, interview treating physicians at UCHealth Medical Center of the Rockies and any Denver-area transfer facilities, and run functional capacity evaluations to determine future needs. A treating physician's letter stating that a patient will need future care is not the same as a Life Care Plan. It has no cost breakdown, no inflation adjustment, and no vendor-specific pricing. It will be challenged and may be excluded at trial.

  2. Medical inflation, not general CPI

    General consumer price inflation runs roughly 2 to 3 percent per year. Medical cost inflation consistently outpaces it, running closer to 5 to 7 percent. A Life Care Plan that uses the wrong rate can underestimate lifetime costs by millions of dollars for a young Loveland client with decades of care ahead. The difference between a correct medical inflation rate and a general CPI assumption is often the largest single variable in a catastrophic case, and getting it wrong benefits only the defense.

  3. Colorado-specific cost factors

    National cost databases use U.S. average prices and systematically underestimate Colorado rates for rehabilitation, attendant care, and adaptive equipment. Craig Hospital in Englewood is consistently ranked among the top rehabilitation centers in the country for spinal cord and traumatic brain injury care. Its presence sets the standard that Colorado courts and defense experts recognize for catastrophic injury rehabilitation. A Loveland client's plan must account for the premium pricing at Colorado's top facilities, the challenges of Northern Front Range access to specialized care, and the altitude and winter-weather factors that affect care delivery in this region.

  4. Built to survive Shreck and Daubert

    Colorado applies strict admissibility standards for expert testimony under the Shreck test, Colorado's adoption of Daubert, and CRE 702. The Life Care Planner and the forensic economist behind the plan must demonstrate specialized knowledge, a reliable methodology, and region-specific data that can withstand cross-examination. A plan that does not pass this gate is excluded at trial, and the case value collapses. We build plans that hold up in an 8th Judicial District courtroom.

  5. We advance the cost

    A comprehensive Life Care Plan typically takes 60 to 90 days to complete, depending on the complexity of the injury and how quickly medical records from UCHealth Medical Center of the Rockies and any other treating facilities become available. CGH Injury Lawyers advances the cost of building your plan. You pay nothing unless we win.

Compensation

What you can recover after a catastrophic injury in Loveland

Colorado law creates two broad damage categories in a catastrophic injury case. The categories that drive the most value are the uncapped ones: economic losses and compensation for physical impairment or disfigurement. Non-economic damages such as pain and suffering are subject to a cap, but they are rarely where a catastrophic case is won or lost.

Economic damages (never capped)

  • Past and future medical expenses, including all treatment at UCHealth Medical Center of the Rockies and any Denver-area facilities
  • Lifetime attendant and nursing care projected through a certified Life Care Plan
  • Home modifications such as ramps, widened doorways, accessible bathrooms, and structural reinforcement
  • Adaptive vehicles and specialized equipment with replacement cycles built into the plan
  • Lost wages and loss of future earning capacity, projected by a forensic economist
  • Vocational rehabilitation and retraining costs when a permanent injury prevents returning to prior work

Non-economic and other damages

  • Pain and suffering, capped at $1,500,000 for claims accruing on or after January 1, 2025, under C.R.S. 13-21-102.5
  • Compensation for physical impairment or disfigurement, which is not capped at all under C.R.S. 13-21-102.5(5)
  • Emotional distress and loss of enjoyment of life
  • Loss of consortium when a spouse or family member is affected by the permanent injury

How Colorado's collateral source rule protects your Life Care Plan

Under Colorado's collateral source rule, the at-fault party cannot reduce what it owes just because you carry health insurance. If the Life Care Plan projects lifetime care costs at a certain amount, the defendant cannot argue that an insurer will cover part of it and lower the bill. Health insurance carries lifetime limits, excludes home modifications and adaptive vehicles, and defines medically necessary care far more narrowly than a Life Care Plan does. The plan establishes the true economic need, and the collateral source rule keeps the defendant responsible for all of it.

Comparative fault in a Loveland catastrophic case

Colorado follows modified comparative fault under C.R.S. 13-21-111. You can recover as long as you were less than 50 percent at fault, and your award is reduced by your share of fault. If you are found 50 percent or more at fault, you recover nothing. At a congested location like the I-25 and US-34 interchange, where merge lanes, ramp signals, and high-speed traffic create genuinely disputed right-of-way situations, insurers work aggressively to push the injured party's assigned fault percentage as high as possible. Defending against that tactic with physical evidence and expert reconstruction is a central part of every catastrophic case we handle in Larimer County.

Government entity caps in Larimer County

When a City of Loveland vehicle, CDOT crew, or other government entity contributed to a catastrophic injury, recovery from that entity is separately capped under the Colorado Governmental Immunity Act at $505,000 per person and $1,421,000 per occurrence for claims accruing on or after January 1, 2026, under C.R.S. 24-10-114. These caps apply to government-entity defendants only. Private defendants in the same case are subject to the general Colorado cap structure for non-economic damages, with economic damages and physical impairment or disfigurement compensation remaining uncapped.

Local knowledge

Loveland courts. Loveland trauma care. Loveland crash corridors.

A Loveland catastrophic injury case lives in Loveland: the road or site where the harm happened, the hospital that stabilized you, and the courthouse where a life-changing award may be decided. Here is the ground we work on for every Larimer County catastrophic injury client.

Courthouse

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

Loveland catastrophic injury lawsuits above the county-court jurisdictional limit are filed at the Larimer County District Court, 201 LaPorte Ave., Fort Collins, CO 80521, in Colorado's 8th Judicial District. 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. Catastrophic injury trials in the 8th Judicial District draw a Larimer County jury pool, face defense firms with established 8th District practice experience, and apply district-specific procedural rules that affect how a case is tried from first disclosure through verdict. CGH Injury Lawyers handles 8th Judicial District catastrophic injury cases directly from our Denver office. CGH Injury Lawyers does not have a Loveland office. We serve Loveland clients from Denver, meet you where it is convenient, and file at the Larimer County District Court when the claim requires it.

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 around-the-clock trauma care, including surgical services, intensive care, and specialist coverage. When a Loveland crash or catastrophic injury sends someone to Medical Center of the Rockies, those trauma records become the backbone of the damages claim. The acute care records, the imaging, the surgical reports, and the discharge summaries document the initial scope of harm and become the starting point for the certified Life Care Planner who builds the projection of lifetime costs. McKee Medical Center is a second Loveland-area hospital providing additional acute care capacity in the community. We work with hospital records from UCHealth Medical Center of the Rockies and McKee Medical Center from the first day of every Loveland catastrophic injury case we handle.

High-Injury Roads

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

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 surfaces and creates rear-end chains, merge conflicts, and angle-collision exposure that is distinct from the general I-25 corridor. US-34, locally known as Eisenhower Boulevard, is Loveland's primary east-west commercial artery, carrying heavy vehicle volumes through signalized intersections, retail developments, and high-frequency access points. US-287, running north-south through the Loveland area, adds further high-volume arterial exposure connecting Northern Front Range communities. These three corridors together produce the majority of serious crash claims in Larimer County that originate in or near Loveland. Knowing these roads, their documented hazard patterns, and how CDOT data applies to a specific collision is how we build the liability side of a Loveland catastrophic injury claim.

Your team

The Loveland catastrophic injury team behind your case

CGH Injury Lawyers is a eight-attorney Colorado firm founded in 2016, formerly Cheney Galluzzi and Howard. 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 catastrophic injury case is handled by a licensed Colorado attorney who files and tries cases in the 8th Judicial District, not by a paralegal. We are built for these cases, not for quick settlements that leave lifetime costs unpaid.

ABOTA member on the team Tim Tarr: Best Lawyers in America since 2023 Over 25 cases to verdict 8th Judicial District experience Bilingual EN / ES We advance Life Care Plan costs No fee unless we win

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

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Frequently asked questions

Loveland catastrophic injury frequently asked questions

How long do I have to file a catastrophic injury lawsuit in Loveland?

The deadline depends on how the injury occurred. If a motor vehicle crash on I-25, US-34, US-287, or any other Loveland road caused the injury, Colorado gives you three years from the date of the crash under C.R.S. 13-80-101(1)(n). For most other catastrophic injury claims, such as a fall from elevation, a premises defect, or a product failure, the general tort statute gives you two years under C.R.S. 13-80-102(1)(a). If a City of Loveland vehicle, CDOT crew, or any other government entity was involved, a written notice of claim must also be served within 182 days of discovering the injury under C.R.S. 24-10-109(1), or the government-entity claim is permanently barred. Because multiple deadlines can run at the same time against different defendants, confirm your specific deadline with an attorney as early as possible after the injury.

Does Colorado cap what I can recover in a Loveland catastrophic injury case?

Economic damages such as lifetime medical expenses, attendant care, adaptive equipment, and lost earning capacity are never capped under Colorado law. Compensation for physical impairment or disfigurement is not capped at all under C.R.S. 13-21-102.5(5). Non-economic damages such as pain and suffering are capped at $1,500,000 for claims accruing on or after January 1, 2025, under C.R.S. 13-21-102.5. In a catastrophic case, the uncapped economic and impairment categories are almost always the largest components of the recovery. If a government entity is involved, recovery from that entity is separately capped at $505,000 per person and $1,421,000 per occurrence for claims accruing on or after January 1, 2026, under C.R.S. 24-10-114.

Do I really need a Life Care Plan for a Loveland catastrophic injury claim?

In any serious case, yes. A certified Life Care Plan makes your future economic demand objective and defensible. Without one, insurance adjusters treat future care projections as speculative and reduce their offer accordingly. A plan built by a CLCP or CNLCP credentialed planner connects your clinical diagnosis to a specific dollar cost for each category of future care, using Colorado-specific pricing and medical inflation rates rather than national averages. It turns a demand that can be dismissed as a guess into a document a Larimer County jury can rely on. At CGH Injury Lawyers, we advance the cost of building your plan. You pay nothing unless we win.

What if I was partly at fault for the crash that caused my catastrophic injury?

You can still recover under Colorado's modified comparative fault rule, C.R.S. 13-21-111, as long as you were less than 50 percent at fault. Your award is reduced by your percentage of fault. If you are found 50 percent or more at fault, you recover nothing. At a high-volume location like the I-25 and US-34 interchange, where merge lanes and right-of-way disputes create genuinely contested facts, insurers work aggressively to push the injured party's assigned fault percentage as high as possible. Defending against that tactic with accident reconstruction experts and physical evidence is a central part of how we build catastrophic injury cases in Larimer County.

Which hospital treats catastrophic injury patients in Loveland?

UCHealth Medical Center of the Rockies, located in Loveland, is a Level II Trauma Center providing comprehensive around-the-clock trauma care, including surgery and intensive care. It is the primary facility for the most severe catastrophic injuries that come out of the I-25 and US-34 corridor and the surrounding Loveland area. McKee Medical Center is a second Loveland-area hospital providing additional acute care services. Records from every treating facility are essential to building a defensible Life Care Plan, and we work with them from the first day of your case to make sure no medical cost, past or future, is left out of the demand.

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 catastrophic injury clients from that office, file cases at the Larimer County District Court in Fort Collins, and meet you wherever is most convenient. There is no additional charge for Loveland clients. We handle consultations in English and Spanish.

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Read next: Colorado catastrophic injury law: what your Life Care Plan must prove statewide

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