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Bicycle lane on a Windsor, Colorado road near the I-25 and CO-392 interchange. CGH Injury Lawyers represents cyclists injured in Windsor, served from our Denver office.
Windsor, Colorado

Windsor Bicycle Accident Lawyers Who Know the I-25 Corridor and Both Courthouses

Windsor sits at the I-25/CO-392 interchange where Weld County and Larimer County meet. A bicycle crash here can land in one of two district courts depending on which side of the county line it happened. CGH Injury Lawyers handles both, serves Windsor cyclists from our Denver office, and collects nothing unless we recover for you.

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Serving Windsor 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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  • Windsor is one of the only towns in Colorado that straddles two counties: primarily in Weld County, with a portion in Larimer County. That means a bicycle crash in Windsor can be filed in either the 19th Judicial District at the Weld County District Court in Greeley or the 8th Judicial District at the Larimer County District Court in Fort Collins, depending on which side of the county line the crash occurred. CGH Injury Lawyers handles both.
  • Colorado gives cyclists the same legal rights as motor vehicle operators under Title 42. Drivers must give cyclists at least three feet of clearance when passing (C.R.S. 42-4-1003), and a violation is direct evidence of negligence. Under Colorado's Safety Stop law (C.R.S. 42-4-1412.5), cyclists may treat stop signs as yield signs and proceed through a red light after stopping when it is safe, which resolves stale red lights on CO-392 and CO-257 that do not reliably detect a stopped bicycle.
  • When a motor vehicle causes a Windsor bicycle crash, Colorado gives you three years to file a lawsuit (C.R.S. 13-80-101(1)(n)). If a government vehicle or road defect was involved, a written notice of claim must reach the public entity within 182 days of discovering the injury (C.R.S. 24-10-109(1)) or the government claim is barred entirely.

Windsor had a 2020 Census population of 32,716 and has been among Colorado's fastest-growing municipalities, which means more residents, more vehicles, and more bicycle traffic on CO-392 Main Street, CO-257, the US-34 corridor, and the I-25 interchange at Exit 262 than existed even a few years ago. That growth produces a specific mix of collision risks: commuter traffic heading toward Greeley on CO-392, I-25 interchange vehicles transitioning from freeway speeds to surface-street speeds at Exit 262, and cyclists navigating a town center built on corridors that carry both local and regional traffic. When a driver's failure to yield or failure to maintain safe passing distance causes a crash on those roads, CGH Injury Lawyers manages the entire claim from our Denver office, navigates the dual-county venue question, negotiates with the insurer, and files in whichever courthouse controls the claim. You pay nothing unless we recover for you.

Colorado cyclist law

The Colorado Safety Stop law and cyclist rights: what Windsor riders need to know

Insurance adjusters who handle Windsor bicycle crash claims reach for a familiar script: the cyclist ran a stop sign, blew a red light, or was riding in a position that made them hard to see. Colorado's Safety Stop law and the statutory rules of the road for cyclists are the first tools we use to knock that argument apart.

The Safety Stop law (C.R.S. 42-4-1412.5)

  • At a stop sign, you may treat it as a yield sign. Slow down, check for cross traffic, and yield to vehicles and pedestrians with the right of way. You are not required to come to a full foot-down stop when the intersection is clear.
  • At a red light, you must come to a complete stop. After stopping and yielding to all cross traffic and pedestrians, you may proceed when it is safe. This directly addresses traffic signals on CO-392 Main Street and CO-257 that do not reliably detect a stopped bicycle.
  • Using the Safety Stop correctly is following Colorado law, not breaking it. An adjuster who says otherwise is wrong, and we document that distinction in every Windsor bicycle crash claim we handle.

The three-foot passing rule (C.R.S. 42-4-1003)

  • Drivers must leave at least three feet of clearance when passing a cyclist. When a lane is too narrow to do that without crossing the center line, the driver must wait or change lanes entirely.
  • On CO-392 Main Street through Windsor, where a growing volume of commuter and commercial traffic travels alongside cyclists, close-pass violations are a direct and documented cause of sideswipe crashes and mirror strikes.
  • A documented three-foot rule violation is direct evidence of negligence in a civil claim. We use dashcam footage, witness accounts, and accident reconstruction to prove the clearance was inadequate.

Taking the lane and riding two abreast in Windsor

Colorado law allows cyclists to occupy the center of a travel lane when conditions make it the safest choice, and to ride two abreast when doing so does not impede the normal and reasonable flow of traffic. A driver who tailgates, leans on the horn, or tries to force a cyclist to the edge of the road may be liable for aggressive driving or endangerment. On CO-392 through Windsor, where the road carries both local and regional traffic heading toward Greeley, cyclists who are lawfully in the lane and are then struck still have a strong claim regardless of how much a driver complained about being delayed.

CGH Injury Lawyers attorneys serve on the CDOT Vulnerable Road User Safety Task Force, working alongside state transportation officials on the policy and road-design questions that determine cyclist safety on corridors like CO-392 and the I-25 interchange at Exit 262. That background lets us speak the language of traffic engineering when it matters in your case.

Where Windsor bike crashes happen

The Windsor roads, intersections, and corridors behind the most serious bicycle injury claims

Cycling in Windsor means sharing road space with commuter traffic headed to Greeley and Fort Collins, I-25 interchange vehicles decelerating from highway speeds, and commercial traffic on a Main Street corridor that carries more volume every year. These are the corridors and conflict zones where Windsor bicycle crash claims most often originate.

  1. The I-25/CO-392 Interchange at Exit 262: Speed Transition Zone

    I-25 forms Windsor's western edge, and Exit 262 where I-25 meets CO-392 is the town's primary freeway connection. CDOT has identified the I-25 and CO-392 interchange as a congestion and improvement node, which reflects the volume of traffic that uses it daily. Freeway-speed vehicles coming off I-25 transition abruptly to the surface-street speeds and cross-traffic of CO-392, creating rear-end and merge conflicts. Cyclists approaching or crossing the interchange area encounter drivers who are still decelerating from highway speed and who may not be watching for a cyclist at the shoulder or in the travel lane. The ramp geometry, where drivers accelerating to enter I-25 or decelerating from it cross or come close to the travel lanes, generates specific risk that is different from the risk further east on Main Street. Physical configuration, signal timing, and CDOT data for this interchange are all relevant to establishing liability after a bicycle crash near it.

  2. CO-392 Main Street: Windsor Business District and Commuter Corridor

    CO-392 runs through Windsor as the town's primary surface street, serving as Main Street through the business district and as the principal Windsor-to-Greeley commuter route. It carries a mix of local commercial traffic, through-traffic, and increasingly dense residential traffic as Windsor grows. Cyclists who use CO-392, whether commuting toward Greeley or riding through the town center, face left-turn conflicts from drivers entering or exiting commercial driveways, right-hook crashes at signalized intersections, and close-pass situations where travel lanes narrow near parked vehicles. Drivers navigating multiple turns and lane changes to reach their destination often do not check mirrors for cyclists before moving. A crash on CO-392 through Windsor frequently involves multiple questions about driver attention, sight distance to the cyclist, and the specific geometry of the intersection or driveway where the collision occurred.

  3. CO-257 Through Windsor Town Center

    CO-257 runs through the Windsor town center as a north-south surface route, connecting the community to other Northern Front Range destinations. Cyclists on CO-257 share road space with local traffic navigating Windsor's residential and commercial areas. Intersections where CO-257 crosses other Windsor surface streets produce angle-collision and turning-movement exposure. The three-foot passing rule and the Safety Stop law apply to every conflict on CO-257, and a driver who turns across a cyclist's path at one of these intersections without checking is liable under the same negligence analysis that applies on any other Colorado road.

  4. US-34 Greeley-to-Loveland Corridor Near Windsor

    US-34 runs east-west through the broader region, connecting Greeley and Loveland and carrying recreational and commercial traffic. Cyclists who use US-34 near Windsor navigate a high-volume state highway where vehicle speeds are elevated and shoulder widths vary. Close-pass violations, inattentive turning movements at US-34 intersections, and drivers who underestimate how quickly they close on a cyclist are the most common fact patterns on this corridor. When a crash occurs on US-34 near Windsor, the same three-foot rule and comparative fault analysis applies, but the road's higher speeds mean injuries tend to be more severe.

  5. Cache la Poudre River Area: Trail Crossings and Road Interfaces

    The Cache la Poudre River runs through Windsor's west and south edges, and trail corridors near the river bring cyclists into contact with roadway crossings. At points where a trail crosses a road, drivers who do not yield to trail users and cyclists who cross without confirming traffic has stopped produce the same kinds of crashes that happen at urban trail crossings. If a government entity maintained the crossing and its design or signage contributed to the crash, the Colorado Governmental Immunity Act notice requirement applies: 182 days from the date you discovered the injury (C.R.S. 24-10-109(1)). Acting quickly to document the crossing and its condition is critical.

After the crash

What to do immediately after a bicycle accident in Windsor

The decisions made in the hours after a Windsor bicycle crash shape what you can recover. Cyclists who appear uninjured at the scene may not feel the full extent of their injuries for hours. These steps protect your health and preserve the evidence an insurer will later try to dispute in Weld or Larimer County court.

  1. Call 911 and request a police report

    A Windsor Police Department or Weld County Sheriff report creates an official record of the crash, the vehicle involved, and the other party's insurance information. Even a minor-seeming collision can produce spinal injury, concussion, or internal bleeding that adrenaline masks at the scene. Request both police and emergency medical response, and make sure a written report is created before you leave.

  2. Get evaluated at the nearest trauma center

    There is no hospital in Windsor. The nearest trauma centers are UCHealth Medical Center of the Rockies in Loveland, which holds a Level I Trauma designation as Northern Colorado's highest-level trauma facility, and UCHealth Greeley Hospital, which carries a Level III Trauma designation. Getting examined promptly creates a medical record that directly ties your injuries to the crash, and that record becomes the foundation of your damages claim. If your injuries are severe, Emergency Medical Services will make the transport decision. If you can choose, let the severity guide you: Level I at UCHealth Medical Center of the Rockies for the most serious trauma, Level III at UCHealth Greeley for injuries that require specialist care but not the highest surgical capability.

  3. Document the Windsor crash scene

    Photograph your bicycle, your injuries, the vehicle that struck you, the road surface, lane markings, signage, and the surrounding area. Note the exact location: whether it was on CO-392 Main Street, near the I-25 and CO-392 interchange at Exit 262, on CO-257, or along US-34. Collect witness names and contact information before anyone leaves. Traffic cameras at the I-25 interchange and business cameras on CO-392's commercial corridor may have captured the crash, and that footage is often overwritten within days.

  4. Preserve your bicycle and gear

    Do not repair or discard your bicycle, helmet, or clothing. The damage pattern on your bike and gear is physical evidence of how the crash happened and the forces involved. The direction of impact, the point of contact on the frame, and the state of your gear can corroborate or contradict what the driver claims about the collision sequence. We document this evidence from the start of every Windsor bicycle crash claim we handle.

  5. Watch for government-entity involvement

    If a Town of Windsor vehicle, a Weld County vehicle, a Larimer County vehicle, or a CDOT maintenance truck was involved, or if a road defect such as failed pavement, missing signage, or an unmarked trail crossing contributed to the crash, a written notice of claim must be filed within 182 days of discovering the injury under the Colorado Governmental Immunity Act (C.R.S. 24-10-109(1)). That 182-day clock runs from the date you discovered the injury, not necessarily the date of the crash. Missing it bars the government-entity portion of your claim entirely, regardless of how strong the underlying facts are.

  6. Contact a Windsor bicycle accident attorney

    Colorado gives you three years from the date of the crash to file a bicycle accident lawsuit when a motor vehicle caused your injuries (C.R.S. 13-80-101(1)(n)). That clock feels long, but camera footage from the I-25 interchange and nearby business systems can be overwritten within days. A free consultation with CGH Injury Lawyers costs you nothing, identifies which courthouse controls your Windsor claim, and clarifies every deadline that applies.

Compensation

What you can recover after a Windsor bicycle crash, and how comparative fault affects it

Colorado law lets an injured cyclist pursue the full documented cost of the crash and the human cost of living with a serious injury. Two broad damage categories apply, and the comparative fault rule controls whether you can recover at all.

Economic damages (no cap)

  • Medical expenses, past and future, including emergency transport, trauma care at UCHealth Medical Center of the Rockies or UCHealth Greeley Hospital, surgery, specialist care, and ongoing rehabilitation
  • Lost wages from time missed at work during recovery
  • Loss of future earning capacity when a crash injury affects your ability to work long-term
  • Bicycle replacement or repair and damage to other personal property
  • Physical therapy, assistive devices, and home care costs projected into the future
  • Out-of-pocket transportation and caregiver costs directly caused by the crash

Non-economic and other damages

  • Pain and suffering from the crash and the recovery process
  • Emotional distress and anxiety, including the fear of cycling again after a traumatic collision on CO-392 or near the I-25 interchange
  • Loss of enjoyment of life when a crash injury limits cycling and other activities you valued
  • Loss of consortium when an injury affects a spouse or family relationship
  • Compensation for physical impairment or disfigurement, which carries no cap under Colorado law

The damages cap, the comparative fault rule, and the helmet defense

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 such as medical bills and lost wages are never capped. Compensation for physical impairment or disfigurement is also uncapped under C.R.S. 13-21-102.5(5), which makes those categories the foundation of serious Windsor bicycle crash claims where injuries are permanent. A cyclist who loses the full use of a limb, sustains a spinal cord injury, or suffers lasting neurological damage from a crash on CO-392 or near the I-25 interchange at Exit 262 can build a claim that significantly exceeds the non-economic cap because the economic and impairment categories have no ceiling.

Colorado's modified comparative negligence rule (C.R.S. 13-21-111) means you can recover damages as long as you were less than 50 percent at fault. Your award is reduced by your share of fault. If you are found 50 percent or more at fault, you recover nothing. Insurers use this rule relentlessly on Windsor bicycle crash claims, arguing that the cyclist contributed to the crash at the I-25 interchange, failed to use lights on CO-392 after dark, or was riding in a position that made them hard to see. The Safety Stop law and the three-foot rule are our principal tools for keeping fault where it belongs: on the driver.

Colorado does not require adults to wear helmets while cycling. Not wearing a helmet is not automatic negligence. An insurer may argue that going without a helmet contributed to head injuries, and that argument can reduce recovery under the comparative negligence rule, but it does not bar your claim. We work with medical experts to show that the driver's negligence caused the harm regardless of whether a helmet was worn.

Insurance coverage

Your own auto policy may cover your Windsor bicycle crash

Most Windsor cyclists do not know that their own auto insurance can step in when the driver who hit them was uninsured or underinsured. Understanding every available coverage source is what separates a partial recovery from a full one.

Uninsured and underinsured motorist (UM/UIM) coverage

If an uninsured driver hits you while you are on your bicycle, or if the at-fault driver's liability limits fall short of your damages, your own UM/UIM coverage may pay your medical bills, lost wages, and pain and suffering. This matters most in hit-and-run crashes on CO-392 and near the I-25 interchange and whenever a driver carries only the state minimum in liability insurance. We identify every available policy at the start of every Windsor bicycle crash case, including homeowner and umbrella coverage that many cyclists overlook.

Government-entity crashes and CGIA caps

When a Town of Windsor vehicle, a Weld County vehicle, a Larimer County vehicle, or a road design or maintenance failure contributed to a bicycle crash, the claim involves a public entity and 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). The notice requirement under C.R.S. 24-10-109(1) is strict: 182 days from the date you discovered the injury. That clock starts earlier than most people expect. Missing it bars the government-entity claim entirely.

Local knowledge

Windsor courts. Northern Colorado trauma care. The I-25 corridor.

A Windsor bicycle accident claim lives in Windsor: the road where the crash happened, the hospital that treated you, and the courthouse where a lawsuit would be filed. Windsor is unusual because it sits across two counties, which means two potential courthouses. Here is the ground we work on for every Windsor bicycle crash client.

Courthouse (Weld County claims)

Weld County District Court, Greeley (19th Judicial District)

Windsor is primarily in Weld County. Bicycle accident lawsuits above the county-court jurisdictional limit that arise from the Weld County portion of Windsor are filed in the 19th Judicial District of Colorado at the Weld County District Court, 901 9th Ave., Greeley, CO 80631. Weld County District Court civil cases, including those arising from crashes on CO-392 Main Street or near the I-25/CO-392 interchange, are handled at this Greeley courthouse. The local procedural rules, the jury pool drawn from Weld County residents, and the defense firms that regularly appear in the 19th Judicial District are specific to this court, and we handle Weld County bicycle crash cases directly from our Denver office. CGH Injury Lawyers does not have a Windsor office. We serve Windsor from our Denver office at 2701 Lawrence St., Suite 201, Denver, CO 80205, and file at whichever courthouse the facts require.

Courthouse (Larimer County claims)

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

A portion of Windsor falls within Larimer County. Bicycle accident lawsuits arising from that Larimer County portion of Windsor are filed in the 8th Judicial District at the Larimer County District Court, 201 LaPorte Ave., Fort Collins, CO 80521. Where exactly a crash occurred relative to the Weld-Larimer county line determines which courthouse controls. That venue question matters from the first conversation: the jury pool, local procedures, and the defense firms that regularly appear in each court are different, and we account for both possibilities in every Windsor bicycle crash case from day one.

Trauma Care

UCHealth Medical Center of the Rockies (Level I Trauma, Loveland) and UCHealth Greeley Hospital (Level III Trauma)

Windsor has no hospital within the town. The closest major trauma facility is UCHealth Medical Center of the Rockies in Loveland, Northern Colorado's first and only Level I Trauma Center, offering the highest level of trauma care available in the region, including around-the-clock surgical services, intensive care, and specialist coverage. UCHealth Greeley Hospital, located in the opposite direction toward Greeley, carries a Level III Trauma designation and provides comprehensive emergency and specialist care for injuries that do not require the highest surgical capability. When a Windsor bicycle crash sends a rider to either facility, those trauma records document the full scope of the injuries and become the backbone of the damages claim. We coordinate with records from both facilities to build a complete medical picture from the day of the crash through projected future treatment costs.

Cycling Corridors

I-25/CO-392 Interchange (Exit 262), CO-392 Main Street, CO-257, and US-34

I-25 runs along Windsor's western edge, and Exit 262 at the I-25 and CO-392 interchange is the town's primary freeway access point. CDOT has flagged this interchange as a congestion and improvement node, which reflects the volume of traffic that transitions from freeway speed to surface-street speed at this location daily. CO-392 serves as Windsor's Main Street and the primary Windsor-to-Greeley commuter route, making it the highest-exposure cycling corridor in the town for close-pass violations and intersection conflicts. CO-257 runs through the Windsor town center as a north-south route, adding further intersection exposure. US-34 connects the broader Greeley-to-Loveland corridor and passes near Windsor, adding high-speed state highway risk for cyclists using regional routes. The Cache la Poudre River runs through Windsor's west and south edges, and trail crossings of roadways in that area introduce a different set of cyclist-vehicle conflict points. Together these corridors form the primary sources of bicycle crash claims originating in Windsor, and knowing their documented hazard patterns is how we build the liability side of every Windsor bicycle crash case.

Your team

The Windsor bicycle accident team behind your case

CGH Injury Lawyers is a eight-attorney Colorado firm founded in 2016, formerly Cheney Galluzzi and Howard. Our attorneys serve on the CDOT Vulnerable Road User Safety Task Force, working directly with state transportation officials and legislators on cyclist safety standards for Northern Front Range corridors including those that run through Windsor and the I-25 corridor. 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 Windsor bicycle accident case is handled by a licensed Colorado attorney who files and tries cases in both the 19th Judicial District in Greeley and the 8th Judicial District in Fort Collins, not by a paralegal.

ABOTA member on the team Tim Tarr: Best Lawyers in America since 2023 CDOT Vulnerable Road User Safety Task Force Over 25 cases to verdict 19th and 8th Judicial District experience Bilingual EN / ES Free consultation No fee unless we win

One thing we are upfront about: CGH Injury Lawyers does not have a Windsor office. We serve Windsor bicycle 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 Weld County District Court in Greeley or the Larimer County District Court in Fort Collins depending on which courthouse controls your claim, and try cases in both the 19th and 8th Judicial Districts. What you get is the work and the result.

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Frequently asked questions

Windsor bicycle accident frequently asked questions

How long do I have to file a bicycle accident lawsuit in Windsor?

Colorado gives you three years from the date of the crash to file a bicycle accident lawsuit when a motor vehicle caused your injuries (C.R.S. 13-80-101(1)(n)). If a government entity such as the Town of Windsor, Weld County, Larimer County, or CDOT 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 claim is barred entirely. Camera footage from the I-25/CO-392 interchange at Exit 262 and business cameras on CO-392 Main Street is typically overwritten within days, so contact us promptly after any Windsor bicycle crash.

Where would my Windsor bicycle accident lawsuit be filed?

That depends on which side of the Weld-Larimer county line the crash occurred. Windsor straddles two counties. The majority of the town is in Weld County, so most Windsor bicycle crash lawsuits above the county-court limit are filed in the 19th Judicial District at the Weld County District Court, 901 9th Ave., Greeley, CO 80631. If the crash happened in the Larimer County portion of Windsor, the case is filed in the 8th Judicial District at the Larimer County District Court, 201 LaPorte Ave., Fort Collins, CO 80521. Knowing which courthouse applies shapes how we build and value the claim from day one, because the jury pools and local procedures differ between Greeley and Fort Collins. CGH Injury Lawyers files and tries cases in both courts from our Denver office.

What if I was partly at fault for the crash on CO-392 or near the I-25 interchange?

Colorado follows a modified comparative fault rule (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. Insurance adjusters routinely try to inflate a cyclist's fault percentage on Windsor roads. We use the Safety Stop law (C.R.S. 42-4-1412.5) and the three-foot passing rule (C.R.S. 42-4-1003) to challenge that assessment with physical evidence and witness accounts specific to the Windsor crash site.

Can I recover if I was not wearing a helmet when I was hit in Windsor?

Yes. Colorado does not require adults to wear helmets while cycling, and not wearing one is not automatic negligence. An insurer may argue that the absence of a helmet contributed to head or facial injuries, a theory that can reduce your recovery under the comparative negligence rule, but it does not bar your claim entirely. We work with medical experts to establish the cause and extent of your injuries and to show that the driver's negligence, not your choice about headgear, is the reason you were hurt.

Does my own car insurance cover me when I am riding my bicycle in Windsor?

Often yes. If you carry uninsured or underinsured motorist (UM/UIM) coverage, that coverage may apply to you as a cyclist when an uninsured or underinsured driver causes the crash. This is most important in hit-and-run cases on Windsor roads and when the at-fault driver carries the state minimum in liability insurance. We identify every available policy at the start of every Windsor bicycle crash case, including UM/UIM, homeowner, and umbrella coverage.

Does CGH Injury Lawyers have an office in Windsor?

No. CGH Injury Lawyers does not have a Windsor office. We have one office, at 2701 Lawrence St., Suite 201, Denver, CO 80205, (303) 209-9395. We serve Windsor and Northern Colorado bicycle accident clients from that office, file cases at the Weld County District Court in Greeley or the Larimer County District Court in Fort Collins depending on which courthouse controls the claim, and meet you wherever is convenient. There is no additional charge for Windsor clients. We are available in English and Spanish.

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Read next: Colorado bicycle accident law: what every rider needs to know statewide

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