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Windsor Personal Injury Lawyers for Families When a Child Is Hurt

Hurt on SH 392, SH 257, or I-25? CGH Injury Lawyers serves Windsor from its Denver office, handles cases in both Weld and Larimer counties, and charges no fee unless we win.

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Serving Windsor from our Denver office CGH Injury Lawyers 2701 Lawrence St., Suite 201 Denver, CO 80205 (303) 747-4817 Se habla espanol
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  • Two years is the general Colorado limit for tort claims under C.R.S. 13-80-102(1)(a), with a three-year period for motor vehicle claims in C.R.S. 13-80-101(1)(n).
  • Government defendants bring a much shorter first deadline: written notice within 182 days of discovering the injury under C.R.S. 24-10-109(1), which the statute makes a jurisdictional prerequisite.
  • Shared fault reduces a Colorado award in proportion. It bars recovery only when the injured person's negligence is at least as great as the defendant's (C.R.S. 13-21-111).
  • Your Windsor case is handled from the CGH Injury Lawyers office in Denver. A Weld County filing lands at the Weld County Courthouse.

When a child is injured, the legal questions change along with everything else. CGH Injury Lawyers represents Windsor families and adults alike, and explains how Colorado law treats claims involving minors.

How Colorado law treats injuries to children

Colorado's limitation statutes treat a minor under eighteen who has no legal guardian as a person under disability (C.R.S. 13-81-101(3)). C.R.S. 13-81-103 then sets how the limitation period runs, and the answer depends on whether a court-appointed legal representative, such as a guardian or conservator, is in place.

Property injuries have their own rules. The Premises Liability Act, C.R.S. 13-21-115(3), preserves the doctrine of attractive nuisance for children under fourteen, and presumes a person between fourteen and eighteen competent for purposes of that section.

Children's injuries also raise questions of future care, schooling, and earning capacity, which can be hard to project for someone who has not yet worked. Those are economic damages, and C.R.S. 13-21-102.5 does not cap them.

The deadline for a specific child's claim should be confirmed early, not assumed.

Serious injuries are covered on our Windsor catastrophic injury page.

Windsor courts, trauma care, and roads

Where a Windsor case is filed

The Census Bureau lists Windsor in both Weld and Larimer counties. Weld County cases go to the Weld County Courthouse, 901 9th Ave. in Greeley, in the Nineteenth Judicial District. Larimer County cases go to the Larimer County Justice Center, 201 LaPorte Ave. in Fort Collins, in the Eighth.

Where serious injuries are treated

UCHealth Medical Center of the Rockies in Loveland is listed by the state as Level I. Banner North Colorado Medical Center in Greeley is listed as Level II, and UCHealth Greeley Hospital as Level III.

Windsor roads where injuries happen

The Windsor Police Department takes reports in town. Numbered routes through and along Windsor include:

  • SH 392, Main Street
  • SH 257, 7th Street
  • I-25
  • US 34, along the southern edge

More local information is on our Windsor injury page.

What should a Windsor injury lawyer be able to tell you?

You are hiring someone to carry a claim that may take a year or more. It is fair to ask how they will do it.

  • Who would try my case if it went to court? Ask for names. Ours would be the firm's trial attorneys.
  • How are costs handled if there is no recovery? Get the answer in writing. Our fee agreement covers it.
  • How do you keep clients informed? Expect a named contact and updates at each stage.
  • Which deadlines apply to my claim? Colorado's range from 182 days for a government notice to two or three years for most lawsuits.
  • What evidence should I be saving? Photos, medical records, bills, and witness names are a good start.
  • Can I work with you in Spanish? Yes. The team works in English and Spanish.

The how we handle your case page walks through each stage in more detail.

Which Windsor injuries can become a personal injury claim?

A crash, a fall, and a bite can all be personal injury claims, but they are proved differently and can carry different deadlines.

  • 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.

More on each type of claim is on our Colorado personal injury page.

Why some Windsor injuries are harder to prove than others

Proof is uneven across injuries. These categories draw the most disputes.

  • Soft-tissue injuries. Sprains and strains are real injuries even when imaging is normal; steady treatment and a clear timeline make the case.
  • Head injuries without a skull fracture. Changes in memory, focus, sleep, or mood can be documented through testing and through people who know the injured person well.
  • Pain that lasts. Months of treatment notes and changes in work and daily routine are the evidence.
  • Emotional aftermath. Anxiety, depression, or post-traumatic stress, diagnosed and treated by a qualified provider.
  • A prior condition made worse. Insurers raise it often; records from before and after show the difference.

In each case, the record built in the first weeks matters most. Our Windsor brain injury page goes further on concussions.

The deadlines that can end a Windsor claim

Which deadline applies depends on how the injury happened:

  • 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.

C.R.S. 13-81-103 covers persons under disability, such as minors, and generally runs the ordinary period where a legal representative is in place. Get the specific date confirmed rather than assumed.

For fatal injuries, see the Windsor wrongful death page.

Sharing blame under Colorado law

In a Colorado negligence case, the jury returns a special verdict with the damages and the percentage of fault assigned to each party, as C.R.S. 13-21-111(2) requires. The court then reduces the damages by the injured person's percentage.

The cutoff is equality. At or above the defendant's percentage, the injured person's claim against that defendant fails.

Where fault is spread across drivers, owners, or companies, C.R.S. 13-21-111.5(1) generally limits each defendant to its own share. A nonparty can be added to the fault allocation if a defendant gives notice within ninety days after the case begins, or longer if the court allows.

A separate rule applies when the at-fault driver was working. Under C.R.S. 13-21-111.5(1.5), an employer's admission of vicarious liability does not bar direct negligence claims against that employer, such as negligent hiring or supervision.

Commercial vehicle cases are discussed on the Windsor truck accident page.

What damages are available in Colorado?

What a claim can recover depends on proof, and on which Colorado category each loss falls into.

Measurable financial losses

  • Emergency and ongoing medical care
  • Wages missed during recovery
  • Future treatment the injury will require
  • Lost earning capacity
  • Property damage, such as a vehicle

Pain, stress, and quality of life

  • Suffering caused by the injury
  • Mental and emotional stress
  • Impairment of the quality of life
  • Disruption and inconvenience

How caps apply

Non-economic losses are subject to a $1.5 million limit under C.R.S. 13-21-102.5(3)(a)(II), for claims accruing on or after January 1, 2025 or actions filed in 2025. The jury does not hear about the limit.

Medical bills and lost income are not limited by that section. Neither is compensation for physical impairment or disfigurement, which subsection (5) protects.

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.

Damages for willful and wanton conduct

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)).

Our article on average settlement figures explains why averages mislead.

The steps that protect a Windsor injury claim

Health comes first. After that, a few simple steps keep the evidence intact.

  1. Seek medical attention. Serious injuries in the area may be treated at UCHealth Medical Center of the Rockies in Loveland, and symptoms sometimes appear later.

  2. Report it. For a crash, contact the Windsor Police Department; C.R.S. 42-4-1606(1) requires drivers to report crashes with injury, death, or property damage. For a property injury, notify the owner or manager.

  3. Capture the scene in photos and video before it changes.

  4. Collect the names of anyone who saw what happened.

  5. Track medical visits, expenses, and lost income.

  6. Get legal advice before speaking with the other side's insurer.

The reasons are laid out in the insurance adjuster trap.

Which policies apply to a Windsor injury?

Insurance in these cases comes from two directions. Liability coverage belongs to the person or business at fault. First-party coverage, like medical payments or UM and UIM, is yours.

Many pages overstate this remedy. C.R.S. 10-3-1116 applies to first-party claimants, people seeking benefits owed under their own coverage, and C.R.S. 10-3-1115(1)(b) excludes anyone claiming against an insured under a liability policy.

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

For UM and UIM questions, read car accidents with uninsured drivers in Colorado.

The six stages of a Windsor personal injury case

  1. Listen and assess

    We review the facts and the deadlines at no cost.

  2. Investigate

    We gather the evidence that proves fault and preserve what could disappear.

  3. Document

    We build the medical and financial record of the injury as it develops.

  4. Demand

    We put the claim to the insurer in writing, supported by the file.

  5. Negotiate

    We respond to offers with evidence and advise you on each one.

  6. Litigate

    If necessary, we file at the Weld County Courthouse and prepare the case for a jury. The attorneys who try the firm's cases include Kevin Cheney, Managing Partner, who holds membership in the American Board of Trial Advocates.

See our case results for past matters. Past results do not guarantee or predict similar outcomes in future cases. Each case is unique and must be evaluated on its own facts.

Who we are

CGH Injury Lawyers has represented injured Coloradans since 2016. It is the public brand of Cheney Galluzzi & Howard, LLC, and its attorneys try cases.

  • American Board of Trial Advocates: Kevin Cheney
  • Best Lawyers, since 2023: Timothy G. Tarr
  • Super Lawyers Rising Star, 2025: Nicole Greene

A licensed attorney is responsible for every file. Hablamos espanol.

See our attorneys and Kevin Cheney's profile.

Fees and costs in a Windsor injury case

CGH Injury Lawyers charges no attorney fee unless it wins your case. The consultation is free, and the fee agreement spells out the fee and how costs are handled.

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

Our office and Windsor

We do not have a Windsor office, or any office outside Denver. CGH Injury Lawyers works from 2701 Lawrence St., Suite 201, Denver, CO 80205 and meets Windsor clients by phone, video, or in person.

Questions

Windsor injury claims: common questions

Short answers to common questions. Our FAQs cover more general topics.

How long do I have to file a personal injury claim in Windsor?

Colorado sets the deadline by the kind of claim: three years for motor vehicle torts, two years for most others, and a 182-day notice for claims against public entities. The start date depends on when the injury and its cause were known (C.R.S. 13-80-108(1)).

My child was hurt in Windsor. How do the deadlines work?

Colorado treats a minor under eighteen without a legal guardian as a person under disability (C.R.S. 13-81-101(3)). How the limitation period runs then depends on whether a court-appointed legal representative is in place (C.R.S. 13-81-103), so the date should be confirmed early.

Can you sue for pain and suffering in Colorado?

Pain and suffering can be claimed as non-economic loss under C.R.S. 13-21-102.5(2)(b). The amount depends on the evidence, and a $1.5 million general cap applies to claims accruing on or after January 1, 2025.

Can I still recover if I was partly at fault?

In many cases. C.R.S. 13-21-111 lets a partly responsible person recover, reduced by their percentage, as long as their negligence was not as great as the defendant's.

Is Windsor in Weld County or Larimer County?

Both, according to the Census Bureau. The location of the incident decides which county, and which judicial district, a case belongs to.

What should I not say to an insurance adjuster?

Do not speculate, and do not minimize. Statements such as 'it was partly my fault' or 'I am not really hurt' tend to follow a claim, so give only basic facts until you have advice.

How much is my Windsor personal injury case worth?

No honest lawyer can say before seeing the records. Medical costs, lost income, the lasting effect of the injury, fault, and insurance limits all move the number.

Where are serious injuries from Windsor treated?

The state lists UCHealth Medical Center of the Rockies in Loveland as Level I and Banner North Colorado Medical Center in Greeley as Level II.

Is it worth hiring a personal injury lawyer?

Sometimes it is not. If the injury was minor, the recovery complete, and the insurer fair, you may be able to resolve it yourself. Serious injuries, fault disputes, and public-entity claims are where a lawyer usually earns the fee.

Does CGH Injury Lawyers have an office in Windsor?

No. CGH Injury Lawyers works from Denver, at 2701 Lawrence St., Suite 201, Denver, CO 80205, and does not have an office in Windsor. Meetings can be by phone, video, or in person.

IT'S MORE THAN MONEY.

Questions about a Windsor injury? Call us

Phone (303) 747-4817 or contact us online. The consultation is free and confidential.

Free case review

100% confidential. No fee unless we win.

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

Attorney Advertising. Past results do not guarantee or predict similar outcomes in future cases. Each case is unique and must be evaluated on its own facts.