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Pedestrian crosswalk along Eisenhower Boulevard in Loveland, Colorado. CGH Injury Lawyers represents people struck while walking in Loveland and Larimer County from our Denver office.
Loveland, Colorado

Loveland Pedestrian Accident Lawyers Who Put Colorado Law to Work on Eisenhower Boulevard and the I-25 Corridor

Being struck on foot along US-34, at the I-25 interchange, or at any Loveland crosswalk can leave you with fractures, a traumatic brain injury, or far worse. CGH Injury Lawyers serves Loveland pedestrian accident victims from our Denver office, files in Larimer County when insurers refuse to be fair, and collects nothing unless we win for you.

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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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  • Colorado law requires drivers to yield to pedestrians at every marked and unmarked crosswalk in Loveland under C.R.S. 42-4-802. That applies at every intersection along US-34 (Eisenhower Boulevard), at the commercial driveways that line it, and at the residential crossings throughout the city. The absence of painted lines is not a legal defense for a driver who fails to yield.
  • Colorado's modified comparative fault rule (C.R.S. 13-21-111) means you can still recover even if you were partly at fault for the accident. As long as you were less than 50 percent responsible, your award is reduced by your share of fault rather than eliminated. A driver's speed, distraction, or failure to yield can outweigh a pedestrian's crossing mistake.
  • Pedestrian accident cases filed in Loveland go to the Larimer County District Court, 201 LaPorte Ave., Fort Collins, CO 80521, in the 8th Judicial District of Colorado. CGH Injury Lawyers files and tries Larimer County pedestrian cases directly from our Denver office, with no added cost to Loveland clients.

Loveland's US-34 corridor (Eisenhower Boulevard) is one of the Northern Front Range's most concentrated pedestrian-risk zones, mixing high vehicle volumes, commercial driveways, signalized intersections, and retail foot traffic along a stretch where drivers routinely turn without checking crosswalks. When a driver strikes a person walking in Loveland, the injuries are severe and the legal questions are often more complicated than they first appear. CGH Injury Lawyers investigates Loveland pedestrian accident cases, challenges incomplete police reports, pursues every available insurance policy, and prepares every case for trial in Larimer County. You pay nothing unless we recover for you.

Your right of way

Colorado pedestrian right-of-way law and how it applies in Loveland (C.R.S. 42-4-802)

Colorado Revised Statutes 42-4-802 is the foundational statute for pedestrian protection across every road in the state, including every intersection in Loveland. It sets out exactly when a driver must stop and wait for someone on foot, and it is the core of nearly every pedestrian liability claim in Larimer County.

Under C.R.S. 42-4-802, a driver approaching any crosswalk in Loveland must yield the right of way to a pedestrian who is in the crosswalk or close enough to be in immediate danger. Once you have entered the crosswalk, every driver moving the same direction must stop and remain stopped until you have safely crossed. A driver in a second lane may not pass a vehicle that has already stopped to let you cross.

  • The yielding duty applies at painted crosswalks, signal-controlled crossings, and at unmarked crosswalks at intersections where sidewalks exist. There is no requirement that paint be visible on the pavement to create a legal crosswalk.
  • Pedestrians also carry duties under C.R.S. 42-4-803: a person crossing mid-block must yield to vehicles, and traffic signals control the crossing when present at an intersection. Even a pedestrian who violates one of these rules does not automatically lose the right to compensation if the driver was negligent too.
  • On a multi-lane road like Eisenhower Boulevard, a driver in the far lane who passes a stopped vehicle without seeing the person in the crosswalk is violating C.R.S. 42-4-802 directly. That specific statutory violation makes liability clearer and harder for an insurer to dispute.

Drivers and their insurers routinely argue that a Loveland pedestrian was jaywalking, crossing against the light, or not visible in the crosswalk. Our job is to counter those arguments with the statute, with camera footage from Eisenhower Boulevard intersections, and with the physical evidence from the scene.

Where Loveland pedestrian accidents happen

The Loveland roads and crossings behind the most serious pedestrian injury claims

Pedestrian accidents in Loveland concentrate on corridors where vehicle speeds are high, turning movements are frequent, and foot traffic is heavy. Knowing where your accident happened helps identify every responsible party, including those beyond the driver who struck you.

  1. US-34 (Eisenhower Boulevard) Commercial Corridor

    US-34, known locally as Eisenhower Boulevard, is Loveland's primary east-west commercial artery. It carries heavy vehicle volumes through a long corridor of retail developments, strip malls, commercial driveways, and signalized intersections. For pedestrians, this corridor is particularly hazardous because drivers moving through the commercial zone are focused on gaps in traffic, store entrances, and turning movements rather than people stepping off curbs at mid-block crossings or at intersections without marked pedestrian phases. The wave-through scenario is also common here: one lane stops to let a pedestrian cross, and a driver in the second lane who has not stopped strikes the person before they clear the lane. That specific sequence is a clear violation of C.R.S. 42-4-802 and a pattern we see repeatedly on multi-lane commercial corridors like Eisenhower Boulevard.

  2. The I-25 and US-34 Interchange Approach Zones

    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 and rear-end chains at the interchange ramps and the surface streets feeding it. The frontage roads and pedestrian crossings near the interchange carry people on foot into zones where drivers are still adjusting from highway speeds and are not watching for crosswalk traffic. When a pedestrian is struck in an interchange approach zone, the configuration of the road itself is often a contributing factor that points toward shared liability with CDOT or the City of Loveland, and that possibility changes the legal strategy from day one.

  3. US-287 North-South Arterial Crossings

    US-287 runs through the Loveland area as a high-volume north-south route connecting Northern Front Range communities. The transitions where US-287 meets local arterials and residential streets create documented exposure for pedestrians crossing between commercial and residential zones. Drivers treating US-287 as a through-route often fail to register the posted speed reductions and crosswalk obligations that apply at its urban intersections. A left-hook turn pattern, where a driver yields to oncoming traffic but misses the pedestrian already stepping into the crosswalk, is among the most common accident types at US-287 intersections and is a straightforward driver fault scenario under Colorado law.

  4. Retail Parking Lots and Commercial Driveways

    The retail development along Eisenhower Boulevard generates heavy pedestrian exposure at parking lot entrances, crosswalks connecting adjacent properties, and driveways that cut across sidewalks. Drivers exiting parking lots and commercial driveways are required under Colorado law to yield to pedestrians on the adjacent sidewalk and in the path of the vehicle. A driver who backs out without looking, exits a driveway at speed, or is distracted by a phone can strike a person on foot before the pedestrian ever enters the roadway proper. Liability in these situations may extend to the property owner if a visibility obstruction or poorly designed driveway contributed to the accident.

  5. Winter and Seasonal Pedestrian Hazards

    Loveland sits at the base of the Rocky Mountain foothills, where weather conditions change rapidly. Ice and snow on US-34, US-287, and the surface streets feeding the I-25 interchange reduce driver visibility and stopping distance at the same time pedestrians may be detouring around ice or poor sidewalk conditions. Seasonal freeze-thaw cycles create uneven pavement and ice patches at commercial property entrances along Eisenhower Boulevard, elevating the risk that a driver braking for a pedestrian will skid through a crosswalk. When weather conditions documented in CDOT road reports or local weather records contributed to a crash, those records become part of the liability analysis.

Partly at fault?

What if you were partly at fault for the Loveland pedestrian accident?

Insurers almost always try to shift blame onto the pedestrian. Even when you were crossing against a light, stepping off the curb unexpectedly, or walking near a crosswalk rather than in one, you may still be owed significant compensation under Colorado law.

The 50 percent bar rule (C.R.S. 13-21-111)

Colorado follows a modified comparative negligence system. If you are less than 50 percent at fault, you recover, but your award is reduced by your share. If you are found 50 percent or more at fault, you recover nothing.

  • Found 0 percent at fault: you recover 100 percent of your damages.
  • Found 25 percent at fault: you recover 75 percent of your damages.
  • Found 49 percent at fault: you recover 51 percent of your damages.
  • Found 50 percent or more at fault: you recover nothing.

The word "jaywalking" is an adjuster's first tool. It pushes your fault percentage upward without necessarily putting it above 49 percent. A driver who was speeding on Eisenhower Boulevard, looking at a phone, or making a left turn without watching the crosswalk can still carry the majority of fault even when you were crossing outside a marked lane. We use traffic camera footage, accident reconstruction, and witness statements to challenge inflated fault assignments in Larimer County and push back against lowball offers built on exaggerated pedestrian blame.

Compensation

What you can recover after a Loveland pedestrian accident

When a vehicle strikes a person on foot, the injuries are often catastrophic. Colorado law lets injured pedestrians recover the full documented financial loss and the human cost of a serious injury across two main categories of damages.

Economic damages (no cap)

  • Emergency care and hospitalization at UCHealth Medical Center of the Rockies or any transfer facility
  • All future medical treatment, surgeries, and rehabilitation
  • Lost wages from the time you could not work during recovery
  • Lost earning capacity when the injury changes what you can do for work long-term
  • Assistive devices, home modifications, and long-term care costs
  • Out-of-pocket costs tied directly to the accident and recovery

Non-economic and other damages

  • Pain and suffering during treatment and the long recovery that follows a pedestrian strike
  • Emotional distress, PTSD, and anxiety caused by the accident
  • Loss of enjoyment of life when injuries limit activities you valued before the crash
  • Disfigurement and scarring, which are uncapped under Colorado law
  • Compensation for physical impairment, which is also uncapped and often the highest-value category in serious pedestrian cases
  • Loss of consortium for a spouse affected by the injury

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, including every medical bill and every dollar of lost income, are never capped. Compensation for physical impairment and disfigurement carries no cap at all, which means that in a serious Loveland pedestrian case involving broken bones, spinal injury, or permanent disability, those uncapped categories can represent the largest portion of the claim. When a pedestrian accident in Loveland takes a life, surviving family members may pursue a wrongful death claim for funeral costs, lost financial support, and loss of companionship.

Who pays

Insurance coverage for Loveland pedestrian accident victims

Pedestrian accident victims are often surprised that more than one insurance policy may cover their injuries. Understanding the sources of coverage before you talk to any adjuster is critical to protecting your full recovery.

  • The at-fault driver's liability policy is the primary source. Colorado's minimum bodily injury liability requirement is $25,000 per person, but many drivers carry higher limits and some carry commercial policies. Identifying the full policy stack is one of the first things we do on every Loveland pedestrian case, particularly on Eisenhower Boulevard where commercial vehicles may carry separate fleet policies.
  • Your own auto policy may cover you even though you were on foot. Uninsured and underinsured motorist (UM/UIM) coverage applies to pedestrians in Colorado. It provides compensation when the at-fault driver has no insurance, too little insurance, or flees the scene. Colorado UM/UIM claims are governed by C.R.S. 13-80-107.5 under Pham v. State Farm, 2013 CO 17.
  • When a City of Loveland vehicle, a Larimer County vehicle, or a road defect on US-34 or US-287 contributed to the accident, 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). A written notice of claim must be served within 182 days of discovering the injury (C.R.S. 24-10-109(1)). Missing that 182-day notice window bars the claim against the government entity entirely, regardless of how strong the underlying facts are.
  • Health insurance and any medical payments (MedPay) coverage on an auto policy can pay early medical bills at UCHealth Medical Center of the Rockies. Health insurers typically hold subrogation rights, and we negotiate those liens so you keep more of your recovery.

Insurance companies, including your own, act in their financial interest first. Do not give a recorded statement, sign a medical authorization, or accept any settlement offer before speaking with an attorney who can evaluate every policy in play for your Loveland pedestrian case.

After the accident

What to do after being struck on foot in Loveland

The decisions made in the minutes and hours after a pedestrian accident in Loveland shape what evidence is available and what compensation you can ultimately recover. These steps protect your health and your legal rights.

  1. Call 911 from the scene

    A Loveland Police Department report creates an official record of the location, the vehicle, and the driver's information. On busy corridors like Eisenhower Boulevard, arriving officers can also flag the need to preserve any traffic signal footage or nearby commercial surveillance footage before it is overwritten. Request medical response even if you believe your injuries are minor, because pedestrian strikes routinely hide internal or neurological damage that appears days later.

  2. Get evaluated at UCHealth Medical Center of the Rockies

    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. Traumatic brain injuries, spinal damage, and internal bleeding may not be obvious at the scene. Getting examined immediately protects your health and creates the medical record that connects your injuries to the accident. McKee Medical Center is a second Loveland hospital that can provide acute care when the nature of the injury calls for it. We coordinate records from every treating facility from day one.

  3. Document everything you can at the scene

    Photograph the vehicle, the road surface, crosswalk markings or the absence of them, traffic signals, and your visible injuries. Note exactly where the crossing occurred, whether at an intersection, a commercial driveway, or mid-block, and the road conditions at the time. Get the names and contact information of any witnesses before they leave. Note which direction the vehicle was traveling and whether it was turning or going straight through the crossing.

  4. Do not give a recorded statement to any insurer

    The at-fault driver's insurer will likely call within days. They are not on your side. Do not agree to a recorded statement, accept a fast offer, or sign any release before you have spoken with a pedestrian accident attorney. Early settlements on Loveland pedestrian cases routinely fail to account for future medical treatment, rehabilitation costs, and long-term disability.

  5. Watch the government-entity clock

    If a City of Loveland vehicle, a Larimer County vehicle, or a road defect on a publicly maintained road caused or contributed to the accident, 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 date of the accident. Missing it bars the claim against the government entity entirely, no matter how strong the other facts are.

  6. Contact a Loveland pedestrian accident attorney

    Traffic camera footage from Eisenhower Boulevard intersections and commercial surveillance footage from the retail corridor can be overwritten within days. The three-year filing deadline for a motor vehicle pedestrian case under C.R.S. 13-80-101(1)(n) gives you time to plan, but evidence preservation starts immediately. A free consultation with CGH Injury Lawyers costs you nothing and starts the investigation before footage disappears.

Local knowledge

Loveland courts. Loveland trauma care. Loveland pedestrian corridors.

A Loveland pedestrian accident case lives in Loveland: the road where you were struck, the hospital that treated you, and the courthouse where a lawsuit is filed. Here is the local ground we work on for every Larimer County pedestrian client.

Courthouse

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

Loveland pedestrian accident 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. All Larimer County civil cases at the District Court level go to this Fort Collins courthouse. Loveland shares this courthouse with Fort Collins and every other Larimer County community. Pedestrian cases tried before a Larimer County jury pool require familiarity with Loveland's specific roads and pedestrian crossing conditions, particularly on Eisenhower Boulevard and the I-25 corridor. CGH Injury Lawyers handles 8th Judicial District pedestrian cases directly from our Denver office at no additional cost to Loveland clients. Most cases settle before trial, but knowing which court applies and who sits on that jury pool shapes every demand we make from day one.

Trauma Care

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

After a pedestrian accident in Loveland, seriously injured people are commonly transported to UCHealth Medical Center of the Rockies, 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, making it one of the most capable trauma facilities on the Northern Front Range. For pedestrian accident victims, who often arrive with orthopedic fractures, head injuries, and internal trauma, those initial trauma records are the foundation of the damages claim. McKee Medical Center is a second Loveland-area hospital providing additional acute care capacity in the community. We work with the hospital records and billing from every treating facility from the start of every serious Loveland pedestrian case to make sure no medical cost, past or future, is left out of the demand.

High-Risk Pedestrian Corridors

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

US-34, locally called Eisenhower Boulevard, is Loveland's primary east-west commercial artery and the corridor where pedestrian exposure is highest. It carries heavy vehicle volumes through a long stretch of retail developments, commercial driveways, and signalized intersections where turning-movement conflicts and multi-lane wave-through scenarios regularly produce pedestrian strikes. The interchange where I-25 meets US-34 is a documented crash cluster on the Northern Front Range where freeway-speed transitions create heightened risk on the surface streets and frontage roads pedestrians use near the interchange. US-287 adds further north-south arterial exposure with its own set of intersection conflicts between high-speed through traffic and people crossing at marked and unmarked crosswalks. Together, these three corridors account for the majority of serious pedestrian injury claims that originate in or near Loveland.

Your team

The Loveland pedestrian accident 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. Pedestrian accident cases require scene investigation, camera footage preservation, and reconstruction analysis that must happen quickly after the crash, and our team moves fast on all three. Every Loveland pedestrian 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 Over 25 cases to verdict 8th Judicial District experience Bilingual EN / ES Free consultation No fee unless we win

One thing we will tell you upfront: CGH Injury Lawyers does not have a Loveland office. We serve Loveland pedestrian 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 investigation and the result, not a storefront on Eisenhower Boulevard.

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Frequently asked questions

Loveland pedestrian accident frequently asked questions

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

Colorado gives you three years from the date of the accident to file a lawsuit when a motor vehicle struck you while you were on foot (C.R.S. 13-80-101(1)(n)). That three-year deadline applies to pedestrian crashes caused by a driver, not the shorter two-year general tort period. If a government entity such as the City of Loveland, Larimer County, or CDOT contributed to the accident 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 claim against that entity is barred entirely. Camera footage from Eisenhower Boulevard and surrounding intersections can disappear in days, so starting the investigation early matters even though the lawsuit deadline is years away.

What if the driver who struck me in Loveland had no insurance?

Your own uninsured motorist (UM) coverage can apply to pedestrian accidents even though you were not in a vehicle when you were hit. If the at-fault driver carried too little insurance to cover your damages, your underinsured motorist (UIM) coverage can fill the gap. Colorado UM/UIM claims are governed by C.R.S. 13-80-107.5 under Pham v. State Farm, 2013 CO 17. We also investigate whether the driver has personal assets beyond any policy in play and whether any third party, such as a vehicle owner or employer, shares responsibility for the accident.

Can I recover if I was crossing outside a crosswalk on Eisenhower Boulevard?

Yes, in many cases. Colorado's modified comparative fault rule under C.R.S. 13-21-111 lets you recover as long as you were less than 50 percent at fault, and your award is reduced only by your share of responsibility. Mid-block crossings under C.R.S. 42-4-803 do place a duty to yield on the pedestrian, but a driver who was speeding on Eisenhower Boulevard, distracted, or had enough time and distance to stop can still carry the majority of fault. We use accident reconstruction and witness testimony to challenge the inflated fault percentages that insurers routinely assign to pedestrians in order to reduce or eliminate payouts.

Does Colorado cap how much a Loveland pedestrian accident victim can recover?

Economic damages such as medical bills, lost wages, and future care costs are never capped in Colorado. Non-economic damages such as pain and suffering are capped at $1,500,000 for claims accruing on or after January 1, 2025 (C.R.S. 13-21-102.5). Compensation for physical impairment and disfigurement carries no cap at all, which is why serious pedestrian cases in Loveland involving permanent disability or scarring often build their core claim value in those uncapped categories. If a government entity is involved, the Colorado Governmental Immunity Act separately caps recovery at $505,000 per person and $1,421,000 per occurrence for claims accruing on or after January 1, 2026 (C.R.S. 24-10-114).

Where would my Loveland pedestrian accident lawsuit be filed?

A Loveland pedestrian accident case above the county-court jurisdictional limit is filed in the 8th Judicial District 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. CGH Injury Lawyers files and tries 8th Judicial District cases directly from our Denver office, with no additional cost to Loveland clients. Most cases settle before trial, but knowing where the case would be tried affects local procedural rules, the jury pool drawn from Larimer County residents, and the defense firms that regularly appear in this district.

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, reachable at (303) 209-9395. We serve Loveland and Larimer County pedestrian 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.

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