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

Loveland Spinal Cord Injury Lawyers Who Build Your Claim to the Real Cost of a Lifetime

A spinal cord injury at the I-25 and US-34 interchange, on Eisenhower Boulevard, or anywhere in Loveland can end your ability to work, move, and live the way you planned. The first insurance offer almost never reflects what 40 to 60 years of care actually costs in Colorado. CGH Injury Lawyers serves Loveland spinal cord injury victims from our Denver office, files at the Larimer County District Court 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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  • Loveland spinal cord injury lawsuits that exceed the county-court limit 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 spinal cord injury cases from our Denver office, with no added cost to Loveland clients.
  • Colorado does not cap economic damages in spinal cord injury cases. All medical costs, certified life-care plan expenses, adaptive equipment, home modifications, attendant care, and lost earning capacity are recoverable without limit. Physical impairment and disfigurement are also uncapped under C.R.S. 13-21-102.5. Non-economic damages such as pain and suffering are capped at $1.5 million for claims accruing on or after January 1, 2025.
  • For a crash on I-25 or US-34, the motor-vehicle statute of limitations is three years from the crash date under C.R.S. 13-80-101(1)(n). For a fall on someone's property, the general two-year deadline under C.R.S. 13-80-102 applies. If a government entity caused or 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 claim is barred entirely.

Loveland is a city of approximately 76,000 people in Larimer County, positioned where I-25 meets 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 happen here. McKee Medical Center provides additional acute care capacity in the community. A spinal cord injury on these roads changes a family's financial picture for decades. The National Spinal Cord Injury Statistical Center's 2025 data sheet estimates lifetime care costs range from about $3 million for paraplegia to more than $6.2 million for a high cervical injury in someone injured at age 25, in 2024 dollars. CGH Injury Lawyers serves Loveland spinal cord injury clients from our Denver office, brings in the life care planners and medical experts these cases require, and files in the 8th Judicial District when an insurer refuses to be fair. You pay nothing unless we recover for you.

The medical and legal framework

How the level of a spinal cord injury shapes what your Larimer County claim is worth

Before an insurer's adjuster makes a first call, two data points are already in their file: the neurological level of the injury and whether it is complete or incomplete. Those two facts set the projected lifetime care cost, and that cost drives every offer, every negotiation, and every trial argument. A Larimer County family facing a 40-year care horizon should never accept an early settlement built without a certified life care plan.

  1. Cervical injuries (C1 to C8): the highest-cost claims

    Injuries to the neck region of the spinal cord affect all four limbs and produce tetraplegia. C1 through C4 injuries often require 24-hour attendant care and, in the most severe cases, ventilator support. The National Spinal Cord Injury Statistical Center's 2025 data sheet estimates lifetime care for a high cervical injury at more than $6.2 million for a 25-year-old, in 2024 dollars. Low tetraplegia (C5 to C8) projects to approximately $4.5 million for the same age. At Loveland's elevation on the Northern Front Range, altitude-related complications add pressure on already-compromised respiratory systems. Colorado winters also demand heated storage for power wheelchairs and all-wheel-drive vehicle modifications that exceed standard adaptation costs in other states. When a crash at the I-25 and US-34 interchange produces a cervical injury, the claim must be built on Colorado-specific costs, not national averages.

  2. Thoracic injuries (T1 to T12): paraplegia with full arm function

    Thoracic injuries paralyze the legs while arm and hand function remain intact. Most people with thoracic injuries use a manual or power wheelchair and live independently with accessible home modifications. The NSCISC's 2025 data sheet puts lifetime care for paraplegia at about $3 million for a person injured at age 25, in 2024 dollars. Annual recurring costs after the first year range from $55,900 to $244,879 depending on injury level, per that same data sheet. These costs belong in the life care plan from the start of the case, not after a low settlement has already been accepted.

  3. Lumbar and sacral injuries (L1 to S5): lower function loss that still spans decades

    Many people with lumbar and sacral injuries retain some leg movement and may walk with bracing. Bowel and bladder dysfunction is common at these levels and requires ongoing management, supplies, and periodic surgical interventions over a lifetime. Lifetime costs are lower than cervical or thoracic injuries but still significant, and insurers frequently undervalue these cases by treating partial function loss as minor when the cumulative medical burden is anything but.

  4. Complete versus incomplete: why the classification window matters for Loveland claims

    Spinal cord injuries are classified on the ASIA Impairment Scale from A through E. Grade A is a complete injury, meaning no motor or sensory function survives below the lesion level. Grades B, C, and D are incomplete, with some surviving neural pathways that may allow partial sensation, partial voluntary movement, or a combination of both. The problem for an incomplete-injury claim is that genuine recovery potential is unclear for the first 12 to 18 months. Carriers use that window strategically, presenting offers anchored to the optimistic end of the recovery range before a plateau is established. A settlement locked in at month six on a grade C injury frequently captures a fraction of what the long-term picture ultimately shows.

Where Loveland SCI cases are filed and treated

Loveland courts. Loveland trauma care. Loveland roads.

A spinal cord injury claim in Loveland lives in this city: the road where the crash happened, the hospital and rehabilitation system that treated you, and the courthouse where the lawsuit will be filed. Understanding that terrain is part of building a claim that holds up.

Courthouse

Larimer County District Court, 8th Judicial District

Loveland spinal cord injury lawsuits that exceed 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 shares this courthouse with the rest of Larimer County, including Fort Collins. Catastrophic personal injury cases are among the most consequential civil matters in the 8th District, and the jury pool draws from Larimer County residents. CGH Injury Lawyers handles 8th Judicial District spinal cord injury cases from our Denver office, with no added cost to Loveland clients. We do not have a Loveland office, and we do not need one to file and try cases here.

Trauma Care

UCHealth Medical Center of the Rockies and McKee Medical Center

UCHealth Medical Center of the Rockies is a Level II Trauma Center located in Loveland, making it the closest high-level trauma facility for serious crashes at the I-25 and US-34 interchange and on Eisenhower Boulevard. Level II designation means the center can provide definitive care for most traumatic injuries, including initial spinal cord stabilization and surgical intervention. McKee Medical Center provides additional acute care capacity for Loveland-area patients. For the most severe spinal cord injuries, patients may be transferred to Level I trauma facilities in Denver or Aurora for specialized care. Many Loveland families then enter inpatient rehabilitation at Craig Hospital in Englewood, one of the country's leading spinal cord rehabilitation centers. The medical records and billing from every facility along that chain, from UCHealth Medical Center of the Rockies through rehabilitation discharge, document the full scope of injury and anchor the damages claim. We coordinate across all treating facilities from day one.

High-Risk Roads

I-25/US-34 interchange, Eisenhower Boulevard (US-287), and the corridors that produce catastrophic injuries

The intersection of I-25 and US-34 is one of the most documented crash locations on the Northern Front Range. Where high-speed freeway traffic merges with the US-34 corridor connecting Loveland to the Eastern Plains, the crash types most likely to produce spinal cord injuries, including high-speed rear-ends, rollover crashes, and left-turn collisions, occur with higher frequency than on most urban interchanges. US-287 runs through Loveland as Eisenhower Boulevard, adding significant arterial collision risk from mixed residential, commercial, and through traffic. When a government entity such as CDOT or the City of Loveland is responsible for a road defect that contributed to a crash on any of these corridors, the 182-day CGIA notice requirement under C.R.S. 24-10-109(1) applies. Missing that deadline bars the government-entity claim entirely, regardless of how strong the underlying facts are.

After the injury

What to do after a spinal cord injury in Loveland

The decisions made in the first days and weeks following a spinal cord injury have outsized consequences for what the family can ultimately recover. These steps protect the injured person's health and preserve the evidence and legal rights the claim depends on.

  1. Follow the full course of treatment and rehabilitation

    Initial trauma care at UCHealth Medical Center of the Rockies in Loveland may be followed by transfer to a Denver or Aurora Level I facility for specialized spinal cord care. The most severe injuries often lead to inpatient rehabilitation at Craig Hospital in Englewood. Every treatment step, every physician note, every therapy discharge summary is part of the medical record that supports both the ASIA grade and the life care plan. Gaps in treatment give insurers a basis to argue that the injury is not as serious as claimed, or that the injured person's own choices cut off recovery.

  2. Do not accept any early settlement offer

    Insurers often present early settlement offers before the full extent of a spinal cord injury is known, when the family is overwhelmed and focused on immediate medical needs. An offer made in the first weeks cannot account for 40 to 60 years of projected care costs. A $1 million offer may seem substantial but falls millions short for a mid-cervical tetraplegia case where the National Spinal Cord Injury Statistical Center's 2025 data sheet projects lifetime costs above $4.5 million, in 2024 dollars. Once a settlement is accepted, it is final. There is no path back when the money runs out in 15 years with 25 more years of care remaining.

  3. Watch for government-entity involvement and the 182-day CGIA clock

    If a City of Loveland vehicle, a CDOT maintenance truck, or a Larimer County fleet vehicle was involved in the crash, or if a road defect on I-25, US-34, or Eisenhower Boulevard contributed to the injury, a written notice of claim must be served within 182 days of discovering the injury under the Colorado Governmental Immunity Act, C.R.S. 24-10-109(1). That clock runs from the date of discovery of the injury, not necessarily the crash date. Missing the CGIA deadline bars the government-entity claim entirely. Call before that window closes.

  4. Preserve evidence before it disappears

    Camera footage from the I-25 and US-34 interchange, business cameras along Eisenhower Boulevard, and dashcam recordings from nearby vehicles can be overwritten within days. Skid marks fade. Witnesses move. The Loveland Police Department and Colorado State Patrol crash reports are time-stamped records of what happened at the scene. We move quickly to preserve evidence from the free case evaluation forward, because the first few days after a crash are often the last chance to recover it.

  5. Do not give a recorded statement to the at-fault insurer

    The other driver's insurance company is not acting in your interest. Adjusters are trained to ask questions that can later be used to inflate your share of fault under Colorado's modified comparative negligence rule, C.R.S. 13-21-111. A statement that sounds neutral can be reframed to push your fault percentage toward the 50 percent bar that eliminates your recovery entirely. Do not agree to a recorded statement or sign any release before speaking with an attorney.

  6. Call before the filing deadline passes

    Most Colorado spinal cord injury claims against private defendants carry a two-year general deadline under C.R.S. 13-80-102, or three years for motor-vehicle crashes under C.R.S. 13-80-101(1)(n). Building a full life care plan, retaining spinal cord specialists and forensic economists, and completing a medical review before filing all take time. Contact CGH Injury Lawyers as early as possible so no deadline creates a preventable barrier to full recovery.

Compensation

What a Loveland spinal cord injury claim can recover

Colorado law lets injured people recover the full documented financial loss from a spinal cord injury, as well as the human cost of living with permanent disability. Economic damages in Colorado are never capped, so the life care plan is the most important document in the case. A carefully built plan is the difference between what an insurer wants to pay and what decades of paralysis actually cost in this state.

Economic damages (never capped in Colorado)

  • Attendant care and recurring expenses, which the National Spinal Cord Injury Statistical Center's 2025 data sheet puts at $55,900 to $244,879 per year after the first year depending on injury level, in 2024 dollars
  • Power wheelchair purchase, maintenance, and replacement roughly every five years
  • Vehicle modification and accessible home modification, with costs in the Loveland and Larimer County market reflecting local housing structure and entry constraints
  • Medical supplies, medication, equipment maintenance, bowel and bladder management, and scheduled surgical procedures projected forward over decades
  • Lost wages, lost benefits, and reduced lifetime earning capacity
  • Future medical costs projected forward using the Medical Consumer Price Index, which historically rises 3 to 4 percent per year, compounding over a 40 to 60 year plan

Non-economic and other damages

  • Pain and suffering, capped for claims accruing on or after January 1, 2025, at $1.5 million under C.R.S. 13-21-102.5
  • Emotional distress and the psychological weight of permanent paralysis
  • Loss of enjoyment of life when paralysis ends the outdoor activities, athletics, and relationships that defined who the injured person was before the crash
  • Physical impairment damages, which carry no cap at all under Colorado law and are exempt from the general non-economic cap
  • Loss of consortium for a spouse or family members affected by the injury

Physical impairment damages are uncapped under C.R.S. 13-21-102.5, with no threshold mechanism that must be satisfied to access that category. In a serious Loveland spinal cord injury case, economic damages routinely exceed the non-economic cap by a wide margin. The life care plan, not the pain and suffering calculation, is where the largest recovery is built. We work with certified life care planners, spinal cord neurologists, and forensic economists to produce a damages model that can withstand adversarial challenge from defense experts.

Fault, government entities, and recovery limits

What if you were partly at fault, or a government vehicle caused your Loveland spinal cord injury?

Two Colorado rules shape the outcome of more Loveland spinal cord injury claims than almost any other legal question: the modified comparative fault bar and the CGIA notice deadline. Both must be addressed at the start of every case, not after a filing window has closed.

Comparative fault: C.R.S. 13-21-111 and what it means at the Loveland interchange

  • Colorado's modified comparative fault statute bars recovery entirely when a person's own fault reaches 50 percent or above. Under that threshold, recovery is reduced proportionally: 20 percent fault in a $5 million case yields a $4 million award.
  • At a multi-lane, high-speed interchange like I-25 at US-34, right-of-way after a catastrophic crash is often disputed. Defense teams push fault percentages because a 10-percentage-point shift in a $4 million SCI case eliminates $400,000 from the recovery.
  • Camera footage from the interchange ramps, crash reconstruction specialists, and traffic engineering analysis are the tools that rebut inflated fault assignments with documented evidence from the actual scene.
  • Do not accept a fault allocation from an insurer as given. Every percentage point is negotiable and, in a multi-million-dollar Loveland SCI case, every point has real dollar consequences.

CGIA notice and caps when a government entity is involved

  • The Colorado Governmental Immunity Act requires a written notice of claim within 182 days of discovering the injury when a government entity is responsible, under C.R.S. 24-10-109(1). Missing that deadline bars the claim against the government entity regardless of how clear the negligence is.
  • If a City of Loveland vehicle, a CDOT truck on I-25 or US-34, or a Larimer County fleet vehicle caused the spinal cord injury, that notice requirement applies. The same is true if a road defect on a government-maintained surface contributed to the crash.
  • Under C.R.S. 24-10-114, CGIA caps recovery from a public entity at $505,000 per person and $1,421,000 aggregate for claims accruing on or after January 1, 2026. These caps apply only to the government defendant, not to any private parties in the same case.
How it works

How a Loveland spinal cord injury case moves from crash to recovery

Spinal cord injury cases in Larimer County follow a defined path, from a free case evaluation through expert retention, life care planning, negotiation, and if necessary trial at the Larimer County District Court in Fort Collins. Most cases settle before trial. We prepare every case for the 8th Judicial District from day one regardless.

  1. Free case evaluation

    We review how the injury happened, explain what the law allows you to recover in Colorado, and answer your questions at no cost and no obligation. We will tell you honestly whether the facts support a claim before we take the case, and we will flag any CGIA notice deadlines that need to be addressed immediately.

  2. Scene investigation and evidence hold

    Our investigation team pulls the Colorado State Patrol or Loveland Police Department crash report, issues preservation letters for camera footage at the I-25/US-34 interchange and along Eisenhower Boulevard, tracks down witnesses before memories fade, and maps every defendant and available insurance policy. Where a government entity had any role in the crash, we draft and file the CGIA notice under C.R.S. 24-10-109(1) before the 182-day discovery window runs.

  3. Build the life care plan with certified experts

    We bring in certified life care planners, spinal cord neurologists, and forensic economists to document 40 to 60 years of projected medical and non-medical costs. The life care plan accounts for inflation using the Medical Consumer Price Index at 3 to 4 percent per year, addresses Colorado-specific cost pressures including altitude-related complications and accessible housing in the Loveland and Larimer County market, and is built to survive detailed defense challenge at trial.

  4. Demand and negotiation

    We send a documented demand grounded in the life care plan and negotiate from a position of trial readiness. We do not present discounted numbers to move a case faster. We present the full documented value and defend it against every line-item challenge the defense raises.

  5. Litigation and trial in the 8th Judicial District

    If an insurer refuses fair compensation, we file at the Larimer County District Court, 201 LaPorte Ave., Fort Collins, CO 80521, and try the case before an 8th Judicial District jury. Managing Partner Kevin Cheney is a member of the American Board of Trial Advocates and has tried over 25 cases to verdict. When a Larimer County jury is what full recovery requires, our trial team is ready.

Your team

The Loveland spinal cord injury team behind your case

Founded in 2016 under the name Cheney Galluzzi and Howard, CGH Injury Lawyers is a eight-attorney Colorado firm whose practice is built around catastrophic personal injury. Managing Partner Kevin Cheney holds membership in the American Board of Trial Advocates (ABOTA) and has brought more than 25 cases through trial to verdict. Timothy G. Tarr has appeared in Best Lawyers in America each year since 2023. Loveland and Larimer County spinal cord injury clients are represented by a licensed Colorado attorney throughout, with a team of certified life care planners, neurological specialists, and forensic economists assembled specifically for the case. CGH Injury Lawyers has no Loveland office. Every Loveland SCI matter is handled out of our Denver office at 2701 Lawrence St., Suite 201, Denver, CO 80205. We travel to meet families at UCHealth Medical Center of the Rockies, Craig Hospital, or wherever is most practical. We file at the Larimer County District Court in Fort Collins and try cases in front of 8th Judicial District juries when that is what recovery requires.

ABOTA member on the team Tim Tarr: Best Lawyers in America since 2023 Over 25 cases to verdict Works with certified life care planners 8th Judicial District experience Bilingual EN / ES No fee unless we win
The knowledge, dedication, and compassion of this law firm are unparalleled.
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Frequently asked questions

Loveland spinal cord injury frequently asked questions

How long do I have to file a spinal cord injury lawsuit after a Loveland crash?

Most Colorado spinal cord injury claims against private defendants carry a two-year general deadline under C.R.S. 13-80-102, or three years for motor-vehicle crashes on I-25, US-34, or US-287 under C.R.S. 13-80-101(1)(n). If a government entity such as CDOT, the City of Loveland, or Larimer County was involved through a vehicle or a road defect, you must also serve a written notice of claim within 182 days of discovering the injury under C.R.S. 24-10-109(1), or the government-entity claim is barred entirely. Camera footage from the I-25 and US-34 interchange can disappear in days, so do not wait.

Where would a Loveland spinal cord injury lawsuit be filed?

A Loveland spinal cord injury case above the county-court limit is filed in Colorado's 8th Judicial District at the Larimer County District Court, 201 LaPorte Ave., Fort Collins, CO 80521. Loveland shares this courthouse with the rest of Larimer County, including Fort Collins. CGH Injury Lawyers files and tries 8th Judicial District cases from our Denver office, with no added cost to Loveland clients.

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

Economic damages such as medical bills, lost wages, attendant care, and home modification costs are never capped in Colorado. Non-economic damages such as pain and suffering are capped at $1.5 million for claims accruing on or after January 1, 2025, under C.R.S. 13-21-102.5. Physical impairment is not capped at all. In a serious spinal cord injury case, economic damages and the physical impairment category are typically where the largest recovery is built. If a government entity is involved, that entity's share 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.

Can I recover if I was partly at fault for the crash that caused my spinal cord injury?

Yes, in most cases. Colorado follows modified comparative fault under C.R.S. 13-21-111. You can recover as long as your share of fault is less than 50 percent, and your award is reduced by your percentage of fault. If you are found 50 percent or more at fault, you recover nothing. At the I-25 and US-34 interchange, insurers frequently dispute right-of-way and inflate the injured person's fault to reduce or eliminate a multi-million-dollar payout. Crash reconstruction and camera footage from the corridor can challenge those assignments with physical evidence.

What hospital treats spinal cord injuries from Loveland crashes?

UCHealth Medical Center of the Rockies is a Level II Trauma Center located in Loveland and is the primary facility for serious injuries on I-25, US-34, and Eisenhower Boulevard. McKee Medical Center provides additional acute care capacity in the Loveland community. For the most severe spinal cord injuries, patients may be transferred to Level I trauma facilities in Denver or Aurora for specialized care. Many Loveland SCI patients then enter inpatient rehabilitation at Craig Hospital in Englewood, one of the country's leading spinal cord rehabilitation centers. The medical records from every treating facility form the backbone of the damages claim and support both the ASIA injury grade and the life care plan.

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 spinal cord injury clients from that office, file cases at the Larimer County District Court in Fort Collins, and meet with families at UCHealth Medical Center of the Rockies or wherever works best. There is no additional charge for Loveland clients. We are available in English and Spanish.

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Read next: Colorado spinal cord injury law: the statewide guide

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