Northglenn Personal Injury Lawyers Who Look for Every Policy That Applies

That can include the injured person's own uninsured and underinsured motorist coverage, medical payments coverage, a household member's policy, or an employer's policy when the at-fault driver was working.

Claims under your own policy are first-party claims. If your insurer unreasonably delays or denies a covered benefit, C.R.S. 10-3-1116(1) allows recovery of reasonable attorney fees, court costs, and two times the covered benefit.

That remedy does not extend to claims against someone else's liability insurer. C.R.S. 10-3-1115(1)(b) excludes a person asserting a claim against an insured under a liability policy.

Coverage questions are covered on our Northglenn uninsured motorist page.

• Crashes on the road. A claim arising from the use or operation of a motor vehicle has three years, C.R.S. 13-80-101(1)(n).
• Unsafe property. Owner liability is set by C.R.S. 13-21-115, which ties the duty owed to the visitor's legal status.
• Bites and animal attacks. C.R.S. 13-21-124(2) allows economic damages for serious bodily injury regardless of the dog's known propensities.
• Dangerous products. Two years, C.R.S. 13-80-106(1).
• Fatal injuries. Wrongful death actions run two years under C.R.S. 13-80-102(1)(d).
• Medical care that causes harm. Separate damages limits apply under C.R.S. 13-64-302.

For how these claims work across Colorado, see the Colorado personal injury practice area.

Since 2025 the Colorado cap on non-economic damages has been $1.5 million, covering claims that accrue on or after January 1, 2025, and actions filed during 2025. C.R.S. 13-21-102.5(3)(a)(II) sets it, and subsection (3)(c)(I)(B) adjusts it for inflation starting in 2028.

The cap does not reach economic losses, and subsection (5) expressly preserves compensatory damages for physical impairment or disfigurement.

Wrongful death, medical negligence, and government claims are handled separately. C.R.S. 13-21-203(1)(a) sets a $2,125,000 non-economic limit in wrongful death claims accruing on or after January 1, 2025; C.R.S. 13-64-302 governs health care claims; and C.R.S. 24-10-114 caps everything recoverable from a public entity in a single occurrence.

Colorado allows exemplary damages for fraud, malice, or willful and wanton conduct, capped in most cases at the amount of actual damages (C.R.S. 13-21-102(1)(a)). A court may increase them up to three times actual damages if the defendant's willful and wanton conduct continues during the case (subsection (3)).

See how a settlement is valued for a longer discussion.

• Crash claims: three years, C.R.S. 13-80-101(1)(n).
• Falls, bites, and most other negligence: two years, C.R.S. 13-80-102(1)(a).
• Product defect claims: two years, C.R.S. 13-80-106(1).
• Wrongful death: two years, C.R.S. 13-80-102(1)(d), with a four-year exception in subsection (2) for vehicular homicide combined with leaving the scene.
• Government claims: 182-day written notice, C.R.S. 24-10-109(1).

Accrual is its own question. C.R.S. 13-80-108(1) starts the clock on the date both the injury and its cause are known or should have been known by reasonable diligence.

Separate provisions for people under a legal disability, including minors, appear in C.R.S. 13-81-103, and they depend on whether a legal representative has been appointed. None of this should be applied to a specific claim without advice.

For fatal injuries, see the Northglenn wrongful death page.

• Which attorney is responsible for my file? Get a name, not a department.
• What is the fee arrangement? Ours is contingency, with no attorney fee unless we recover, and the agreement explains costs.
• What are the deadlines in my situation? They range from 182 days for a government notice to two or three years for most lawsuits.
• How do you value a claim? From the medical record, lost income, and how the injury affects daily life, documented before any number is discussed.
• Will you try the case if needed? We prepare for trial from the start.
• Can the whole process happen in Spanish? It can.

For the full sequence from first call to resolution, see how we handle your case.

If your own insurer unreasonably delays or denies benefits you are owed, C.R.S. 10-3-1116(1) provides for attorney fees, court costs, and two times the covered benefit. The at-fault driver's liability insurer is a different matter: C.R.S. 10-3-1115(1)(b) excludes liability claimants from that remedy.

Adjusters are trained to settle claims efficiently for the insurer. That is their job, and it is why a lawyer should handle the conversation.

Uninsured drivers raise their own issues, covered in car accident with an uninsured driver in Colorado.

Prefer to write it down first? Use the online case review form.