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Loveland, Colorado foothills. CGH Injury Lawyers represents injured motorcyclists in Loveland and Larimer County.
Loveland, Colorado

Loveland Motorcycle Accident Lawyers Who Fight the Bias Against Riders

A crash at the I-25 and US-34 interchange or on Eisenhower Boulevard hits a motorcyclist differently than it hits a car driver. The injuries go deeper, the insurer assigns blame to the rider before the facts are in, and Colorado's gear rules hand adjusters an extra argument. CGH Injury Lawyers does not have a Loveland office. We serve Loveland and Larimer County from our Denver office and go to work the same day you call. 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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  • A Loveland motorcycle crash caused by another driver is a motor vehicle tort under Colorado law. You have three years from the date of the crash to file a claim under C.R.S. 13-80-101(1)(n). That three-year window applies to motorcycle crashes caused by other drivers on I-25, US-34, US-287, and every other Loveland road. Do not confuse it with the two-year general tort deadline, which by its own terms excludes motor vehicle crashes.
  • Colorado does not require helmets for riders 18 and older (C.R.S. 42-4-1502), and lane filtering has been legal since August 7, 2024 under narrow conditions (C.R.S. 42-4-1503). Both facts matter because insurers routinely try to turn a legal choice into a fault argument that cuts your compensation under Colorado's modified comparative negligence rule (C.R.S. 13-21-111).
  • CGH Injury Lawyers does not have a Loveland office. We serve Loveland and Larimer County from our Denver office, file claims in the 8th Judicial District at the Larimer County District Court in Fort Collins when insurers refuse to be fair, and come to you. No fee unless we win.

Loveland sits where I-25 meets US-34, and that interchange is one of the most documented crash clusters on the Northern Front Range. Motorcyclists face that exposure without the protective steel that surrounds car drivers, which is why the injuries from Loveland motorcycle crashes tend to be severe. When they are, UCHealth Medical Center of the Rockies, a Level II Trauma Center located in Loveland, handles the most critical care. CGH Injury Lawyers takes over the legal side so you can focus on recovery. Free case review. No upfront fees.

Is this your case?

Who can bring a motorcycle accident claim in Loveland?

We represent injured riders and the families of those killed. If the crash was caused by someone else's carelessness or recklessness, there is a path to recovery. Here is who we work with and the limits of that representation.

We represent

  • Riders injured in crashes on I-25, US-34 (Eisenhower Boulevard), US-287, and other Larimer County roads when another driver caused the crash
  • Passengers on a motorcycle injured by a negligent driver, regardless of who owned or operated the bike
  • Families of riders killed in Loveland-area crashes who may have wrongful death claims under C.R.S. 13-21-201
  • Riders injured by a defective road surface, a signal timing failure, or a dangerous condition maintained by a government entity, subject to the 182-day notice rule under C.R.S. 24-10-109(1)
  • Riders whose own insurance is being handled in bad faith by a UM/UIM carrier after a hit-and-run or underinsured driver collision

Cases we do not accept

  • Single-vehicle crashes where the rider was solely at fault and no road defect, product failure, or third-party negligence contributed
  • Cases where the statute of limitations has already expired and no tolling exception applies
  • Claims where the rider was 50 percent or more at fault for the crash itself (C.R.S. 13-21-111), unless additional parties contributed

If you are unsure whether your situation qualifies, call (303) 209-9395. The consultation is free and we will give you a straight answer.

Know the rules before you need them

Colorado motorcycle law decoded for Loveland riders

Colorado motorcycle law lives mostly in C.R.S. Title 42. One rule changed in August 2024. Knowing which rules apply, and how insurers try to weaponize them, is the foundation of any Loveland motorcycle accident claim.

Helmet law: C.R.S. 42-4-1502

  • Riders and passengers under 18 must wear a DOT-compliant helmet.
  • Riders 18 and older may legally ride without a helmet. Colorado is among the minority of states with a partial helmet law.
  • Legal does not mean consequence-free in a claim. The insurer will argue an unhelmeted rider failed to mitigate damages, which can reduce a verdict under Colorado's comparative negligence rule (C.R.S. 13-21-111). We counter that argument with medical and biomechanical evidence about what the helmet would or would not have changed.

Eye protection: C.R.S. 42-4-232

  • All riders and passengers must wear eye protection, glasses, goggles, or a face shield, at all times. A compliant windscreen is the only alternative.
  • A violation is a Class A traffic infraction. A citation for this after a crash can be used as evidence in a liability dispute to argue the rider was negligent.
  • On US-34's commercial corridor through Loveland, where blowing debris and cross-traffic hazards are constant, this rule gets flagged more often than riders expect.

Lane filtering: C.R.S. 42-4-1503 (SB24-079, effective August 7, 2024)

  • Lane filtering is legal in Colorado when traffic is completely stopped, not merely slow, on a road with at least two adjacent same-direction lanes, and the motorcycle travels at 15 mph or less without exceeding the posted limit.
  • Lane splitting, riding between lanes of moving traffic at speed, remains illegal. Insurers routinely mislabel legal filtering as illegal splitting to deny claims, particularly at the I-25/US-34 interchange where stop-and-go backup is common.
  • We document traffic state, speed, lane configuration, and camera footage at the time of the crash to establish whether a filtering maneuver was legal.

Class M license endorsement

  • Operating a motorcycle in Colorado requires a valid Class M endorsement, earned through a written test and an on-cycle skills test. A motorcycle-only license is also available.
  • Riding without a valid endorsement is operating a motor vehicle illegally, which can be argued as negligence per se and used to dispute your claim.
  • If you were cited for riding without an endorsement after a crash, do not speak to the insurer without consulting an attorney first. The citation does not automatically bar your recovery, but how you respond to it matters.

Here is how the insurer math works against a Loveland rider. You are struck at the I-25/US-34 interchange by a driver who ran a red. You were not wearing a helmet and you suffered a traumatic brain injury. The defense argues you are 35 percent responsible for the severity of your injuries, and a $400,000 verdict becomes $260,000. That kind of reduction is not automatic under Colorado law. It depends on what evidence is presented and how well the mitigation argument is challenged. That is our job.

Local Knowledge

Loveland courts. Loveland trauma care. Loveland roads.

A Loveland motorcycle accident case lives in Loveland, specifically in the emergency room that treated you, on the road where the crash happened, and at the courthouse where any lawsuit would be filed. Here is the ground we work on for every Larimer County motorcycle claim.

Courthouse

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

A Loveland motorcycle accident lawsuit that exceeds the county-court jurisdictional 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. All Larimer County District Court civil cases are handled at this Fort Collins courthouse. Loveland shares this courthouse and its jury pool with Fort Collins and the rest of Larimer County. Knowing local procedure, the defense firms that regularly appear in the 8th Judicial District, and how Larimer County juries respond to motorcycle bias arguments is how we build every Loveland claim from day one. Most cases settle before any lawsuit is filed, but trial readiness in this specific court is what gives our demands weight.

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 around-the-clock comprehensive trauma care: surgery, intensive care, orthopedics, and specialist coverage at all hours. For motorcyclists injured at the I-25/US-34 interchange or on Eisenhower Boulevard, this is typically the receiving facility for the most serious injuries. Those trauma records, from the first minutes of arrival through discharge and rehabilitation, become the backbone of the damages claim. McKee Medical Center is a second Loveland-area hospital providing additional acute care services in the community. We work with both facilities' records from the start of every serious Loveland motorcycle case to ensure no medical cost is left out of the demand.

High-Crash Roads

I-25, US-34 (Eisenhower Blvd.), and US-287: Loveland's motorcycle danger corridor

The interchange where I-25 meets US-34 is a documented crash cluster on the Northern Front Range. Vehicles transitioning between freeway speeds on I-25 and arterial speeds on US-34 create merge conflicts, rear-end chains, and intersection timing failures that are particularly dangerous for riders who lack the physical protection of an enclosed vehicle. US-34, locally called Eisenhower Boulevard, is Loveland's primary east-west commercial artery. It carries heavy vehicle volumes through retail developments, strip malls, driveways, and signalized cross streets, generating angle crashes, rear-end collisions, and left-turn strikes at a rate consistent with major commercial corridors across the Northern Front Range. US-287 runs through the Loveland area as a high-volume north-south route and adds further collision exposure at intersections where commuter and recreational traffic meet. For motorcycle injury claims, these three corridors together account for the majority of serious crashes in Larimer County that originate at or near Loveland.

After a motorcycle crash in Loveland

What to do after a motorcycle crash in Loveland

The actions you take in the first hours and days after a crash directly affect your ability to recover full compensation. Here is the path that protects your rights from the scene forward.

  1. Get to safety and call 911

    Move out of traffic if you can do so safely. Call 911. A police report is evidence. Even if injuries seem manageable, adrenaline masks pain, and the report documents conditions at the scene before they change.

  2. Seek medical care at UCHealth Medical Center of the Rockies or McKee Medical Center

    UCHealth Medical Center of the Rockies, a Level II Trauma Center in Loveland, handles the most severe motorcycle injuries from the I-25/US-34 corridor. McKee Medical Center is a second Loveland-area option for acute care. Go to one. Hidden spinal, neurological, and internal injuries from motorcycle crashes are routinely missed without imaging. The medical record created in the first hours after a crash is the foundation of your damages claim, and gaps in that record become weapons for the defense.

  3. Document the scene before you leave

    Photograph your motorcycle, the other vehicle, road conditions, skid marks, debris, traffic signals, and any visible injuries. Get the names and contact information of witnesses before they leave. At the I-25/US-34 interchange and on Eisenhower Boulevard, CDOT cameras and commercial surveillance cameras may have captured the crash. That footage is often recorded over within 24 to 72 hours. We move quickly to preserve it.

  4. Do not give a recorded statement

    The at-fault driver's insurer will call quickly, often within 24 hours. They will ask for a recorded statement. Decline. Anything you say will be used to minimize your claim. Colorado law does not require you to give a statement to the opposing insurer. Call us first at (303) 209-9395.

  5. Watch the CGIA notice deadline if a government entity is involved

    If the crash involved a City of Loveland vehicle, a Larimer County vehicle, a state highway maintenance failure, or a defective road condition on a government-owned road, a written notice of claim must be filed within 182 days of the date you discovered the injury under C.R.S. 24-10-109(1). That is not 182 days from the crash date. It is 182 days from discovery. Missing that notice ends the claim entirely, regardless of how clear the government's fault may be.

  6. Call CGH Injury Lawyers

    We review every Loveland motorcycle crash case at no cost. We explain your rights, confirm your deadlines, and let you decide how to proceed without pressure. If we take your case, we advance all costs and collect only from a settlement or verdict in your favor.

Damages and fault

What can you recover after a Loveland motorcycle crash?

Colorado divides motorcycle injury compensation into categories, some capped and some not. The uncapped categories are where serious Loveland motorcycle claims build their real value. Here is how the law structures the recovery.

Three-year filing deadline: C.R.S. 13-80-101(1)(n)

  • A motorcycle crash caused by another driver is a motor vehicle tort. Colorado gives you three years from the date of the crash to file (C.R.S. 13-80-101(1)(n)).
  • This is not the two-year general personal injury deadline. The two-year statute (C.R.S. 13-80-102) expressly excludes motor vehicle torts by its own terms. Applying the wrong deadline can bar a valid claim.
  • Wrongful death claims from a fatal motorcycle crash carry a separate two-year deadline (C.R.S. 13-80-102).
  • If a government entity was involved, the 182-day written-notice requirement (C.R.S. 24-10-109(1)) applies in addition to the filing deadline, and it runs from discovery of the injury, not the crash date.

What the law lets you recover

  • Economic damages: medical bills, lost wages, future medical care, lost earning capacity, and rehabilitation costs are never capped under Colorado law. A Loveland motorcycle crash that sends you to UCHealth Medical Center of the Rockies for trauma surgery and months of rehabilitation can produce medical costs that compound over years. Every dollar of economic loss is recoverable without a ceiling.
  • Non-economic damages: pain and suffering, emotional distress, and loss of enjoyment of life are capped at $1,500,000 for claims accruing on or after January 1, 2025 (C.R.S. 13-21-102.5). That cap does not apply to wrongful death or medical malpractice claims.
  • Physical impairment and disfigurement compensation is not capped at all under C.R.S. 13-21-102.5(5). This uncapped category carries the most weight in serious Loveland motorcycle cases involving permanent injuries. Road rash, limb damage, and scarring from a high-speed interchange crash build substantial value here.
  • Wrongful death non-economic damages for claims accruing on or after January 1, 2025 are capped at $2,125,000 under C.R.S. 13-21-203(1)(a), with no cap when the death results from a felonious killing.

Colorado's modified comparative negligence rule and why it matters for Loveland riders

Colorado follows a modified comparative negligence rule with a 50 percent bar (C.R.S. 13-21-111). If you are found less than 50 percent at fault for your injuries, you can recover damages, but your award is reduced by your share of the fault. If you are found 50 percent or more at fault, you recover nothing. Because adjusters routinely inflate a rider's fault percentage, particularly at busy interchanges like I-25 and US-34 where the facts about right-of-way and speed are frequently contested, an attorney who can challenge that fault assignment often makes the difference between a full recovery and a denied claim.

How we fight back

Defenses Loveland insurers use against injured riders, and how we answer them

Insurer playbooks for motorcycle crashes are well-documented. Knowing the arguments before they are made lets us build a record that defeats each one. Here are the tactics we see most often in Larimer County claims.

The helmet mitigation argument

  • Even though Colorado law does not require helmets for riders 18 and older (C.R.S. 42-4-1502), the defense will argue you failed to mitigate damages by riding without one.
  • We respond with medical and biomechanical expert testimony about what a helmet would or would not have changed for your specific injury pattern. A helmet affects brain injuries differently than spine fractures, collarbone breaks, or road rash. The mitigation argument has to be proven for each injury category separately, and that is a harder case to make than most adjusters let on.

The lane-filtering misclassification

  • Insurers routinely mislabel a legal filtering maneuver as illegal lane splitting. At the I-25/US-34 interchange, where traffic backs up frequently, the stop-versus-slow distinction is critical.
  • We lock down traffic camera footage, witness accounts, and CDOT speed data to establish the actual traffic state at the moment of the maneuver. Legal filtering at 15 mph in stopped traffic is not a fault basis. Proving it requires evidence gathered quickly.

The speed and sightline argument on US-34

  • On Eisenhower Boulevard's commercial corridor, where driveways and cross-streets interrupt traffic flow constantly, defense attorneys argue the motorcyclist was traveling too fast for conditions or failed to anticipate a turning vehicle.
  • We use accident reconstruction, posted speed limits, sight-distance measurements, and vehicle damage patterns to establish what a reasonably careful driver could and could not have anticipated at the specific point of impact.

The UM/UIM bad-faith stall

  • When the at-fault driver was uninsured or underinsured, your own UM/UIM policy becomes the primary recovery path. Colorado requires insurers to offer UM/UIM coverage, though you can decline it in writing.
  • UM/UIM carriers sometimes stall, lowball, or deny claims in bad faith. We pursue both the claim and, where warranted, the bad-faith conduct that delayed your recovery. A serious Loveland motorcycle crash should not be compounded by a carrier acting in its own interests against yours.
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Your legal team

Why Loveland motorcycle riders choose CGH Injury Lawyers

Trial-ready attorneys, bilingual service, and no fee unless we win. We are upfront about one thing: CGH Injury Lawyers does not have a Loveland office. We serve Loveland from our Denver office and come to you. What you get is the work, not a storefront on Eisenhower Boulevard.

Trial-Ready

Built to try your case.

CGH Injury Lawyers was founded in 2016, formerly Cheney Galluzzi and Howard, LLC. 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. When the defense lawyers across the table know we will try a motorcycle case in the 8th Judicial District at the Larimer County District Court if we have to, insurers respond to demands differently. A willingness to go to trial is the foundation of every serious demand we make for a Loveland rider.

Honest About Location

Serving Loveland from Denver.

Our office is at 2701 Lawrence St., Suite 201, Denver, CO 80205. CGH Injury Lawyers does not have a Loveland office or a Larimer County branch. We serve Loveland and Larimer County clients from Denver, file motorcycle accident cases at the Larimer County District Court in Fort Collins, and meet you where it works for you. You can reach us at (303) 209-9395. Be cautious of any firm that claims a Loveland address without a verified local office.

Full Value

Every category, no ceiling left on the table.

We build every Loveland motorcycle claim around every loss the law allows, with particular attention to the uncapped categories: economic damages, physical impairment, and disfigurement. In a serious Loveland crash, those uncapped categories are often where the largest value lives.

Bilingual

Hablamos espanol.

Spanish-speaking staff and attorneys serve Loveland's Spanish-speaking community across all motorcycle accident case types. No language barrier should stand between an injured rider in Larimer County and full legal representation.

No Win, No Fee

Contingency only.

You pay nothing out of pocket for legal fees. We advance all costs and collect only from a settlement or verdict in your favor. A serious Loveland motorcycle crash should not also come with a legal bill you cannot afford while you are recovering.

One Standard

8 attorneys, one promise.

Whether your Loveland motorcycle case settles in three months or goes to a Larimer County jury, the same trial-ready team and the same standard of preparation apply. We prepare every case as if it will be tried, because any case can be. That consistency is what gives our demands credibility with the defense firms and insurers who regularly appear in the 8th Judicial District.

Questions

Loveland motorcycle accident, frequently asked questions

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

A motorcycle crash caused by another driver is a motor vehicle tort under Colorado law, and you have three years from the date of the crash to file a lawsuit under C.R.S. 13-80-101(1)(n). This three-year deadline applies to motorcycle crashes caused by other drivers on I-25, US-34, US-287, and all other Loveland roads. It is not the two-year general personal injury deadline: C.R.S. 13-80-102 by its own terms excludes torts arising from the use or operation of a motor vehicle. If a government entity or government vehicle was involved, a written notice of claim must also be filed within 182 days of the date you discovered the injury (C.R.S. 24-10-109(1)), and that shorter deadline runs separately from the three-year rule. Missing either deadline bars the claim. Contact an attorney promptly to confirm which deadlines apply to your specific Loveland crash.

Does not wearing a helmet mean I cannot recover for my injuries in Loveland?

No. Colorado does not require helmets for riders 18 and older (C.R.S. 42-4-1502), and the absence of a helmet does not bar your claim. What it does is give the at-fault driver's insurer a "failure to mitigate" argument: that you worsened your own injuries by not wearing one. Under Colorado's modified comparative negligence rule (C.R.S. 13-21-111), if the insurer succeeds in assigning you a percentage of fault for the severity of your injuries, your damages award is reduced by that share. We fight mitigation arguments directly, using medical and biomechanical evidence to challenge whether the helmet would actually have changed the specific injuries you sustained in your specific crash.

Is lane filtering legal in Loveland, and does it affect my claim?

Lane filtering became legal in Colorado on August 7, 2024 under SB24-079 (C.R.S. 42-4-1503), but only when traffic is completely stopped, the motorcycle is traveling at 15 mph or less, the road has at least two adjacent same-direction lanes, and the rider is not exceeding the posted speed limit. Lane splitting, riding between lanes of moving traffic at speed, remains illegal. At the I-25/US-34 interchange in Loveland, where stop-and-go backups are common, the line between legal filtering and illegal splitting is the first thing an insurer will contest. We preserve traffic camera footage, witness statements, and speed data to establish which rule applied at the moment of the crash.

What if I was partly at fault for the Loveland motorcycle crash?

You may still recover. Colorado follows a modified comparative negligence rule (C.R.S. 13-21-111): if you are found less than 50 percent at fault for your injuries, you can recover damages, but your award is reduced by your share of the fault. For example, if a jury found you 25 percent at fault and awarded $500,000, you would recover $375,000. If you are found 50 percent or more at fault, you recover nothing. Insurers know this rule well and use it aggressively at congested corridors like I-25 and US-34, where facts about right-of-way, speed, and signaling are frequently disputed. Having a lawyer who challenges the fault percentage with evidence is how you protect your recovery.

Where would my Loveland motorcycle accident lawsuit be filed?

A Loveland motorcycle accident civil lawsuit that exceeds the county-court jurisdictional limit would be 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. Most cases settle before any lawsuit is filed, but knowing that this court, its jury pool drawn from Larimer County residents, and the defense firms that practice in the 8th Judicial District will be the backdrop of any litigation shapes how we build every Loveland claim from the beginning.

What hospital treats serious motorcycle crash injuries in Loveland?

UCHealth Medical Center of the Rockies, located in Loveland, is a Level II Trauma Center. That means around-the-clock comprehensive trauma care: surgery, intensive care, orthopedics, and specialist coverage at all hours. For motorcyclists severely injured at the I-25/US-34 interchange or on Eisenhower Boulevard, it is typically the receiving facility. McKee Medical Center is a second Loveland-area hospital providing acute care services. Those treatment records, from the first minutes of arrival through all follow-up care, become the backbone of the damages claim. We work with both facilities' records from the start of every serious Loveland motorcycle case to make sure no medical cost, past or future, is left out of the demand.

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It's More Than Money.

You were hurt riding in Loveland. We fight the bias against you.

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