ClickCease
Free consultations · Se habla espanol
Northern Colorado, Windsor. CGH Injury Lawyers represents spinal cord injury victims in Windsor from our Denver office.
Windsor, Colorado

Windsor Spinal Cord Injury Lawyers for Colorado's Only Dual-County City, Where Your Case Belongs in Greeley or Fort Collins

Windsor is the only city on the Northern Front Range that sits in both Weld County and Larimer County. A spinal cord injury on I-25 near Exit 262, on CO-392, or anywhere in Windsor may belong in the Weld County District Court in Greeley or the Larimer County District Court in Fort Collins, depending on exactly where the crash occurred. Getting that venue right from day one matters. CGH Injury Lawyers serves Windsor SCI clients from our Denver office, builds the life-care plan to the full projected cost of a lifetime of disability, and files in the correct court. No fee unless we win.

No fee unless we win

It’s More Than Money.

Get my free Windsor SCI case review

100% confidential. No fee unless we win.

Serving Windsor From Our Denver Office CGH Injury Lawyers 2701 Lawrence St., Suite 201 Denver, CO 80205 (303) 209-9395 Se habla espanol
5-star rated on Google ABOTA trial advocate on the team Weld and Larimer County SCI cases No fee unless we win
  • Windsor is the only CGH service-area city split across two counties and two judicial districts. The correct courthouse for a spinal cord injury lawsuit depends on exactly where the crash or incident occurred: Weld County events go to the Weld County District Court, 901 9th Ave., Greeley, CO 80631 (19th Judicial District); Larimer County events go to the Larimer County District Court, 201 LaPorte Ave., Fort Collins, CO 80521 (8th Judicial District). Identifying the right venue from the crash report is step one in every Windsor SCI case we take.
  • Colorado does not cap economic damages in personal injury cases. Future medical costs, attendant care, adaptive equipment, home modification, and lost earning capacity are recoverable without any ceiling. Non-economic damages for 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 compensation from a permanent spinal cord injury is expressly uncapped. If a government entity such as CDOT, the Town of Windsor, Weld County, or Larimer County was involved, a written notice of claim must be filed within 182 days of discovering the injury under C.R.S. 24-10-109(1).
  • Colorado modified comparative fault under C.R.S. 13-21-111 bars recovery if the injured person was 50 percent or more at fault. As long as the injured person is less than 50 percent at fault, recovery is available in proportion to the other parties’ fault. On I-25 at Exit 262 and on CO-392 through Windsor, where freeway and arterial speeds produce high-force crashes, establishing fault percentages with crash-reconstruction evidence matters more than the police report alone.

Windsor had 32,716 residents in the 2020 Census and has continued to grow as one of Colorado’s fastest-expanding municipalities. The I-25 corridor at its western edge carries that growth load every day. Exits 262 at CO-392 and the Main Street commercial corridor absorb the daily commuter traffic between Windsor and Greeley that produces the high-speed merge and rear-end collisions most likely to cause cervical and thoracic spinal cord injuries. Windsor has no hospital of its own. After a serious crash on any of these roads, initial trauma care comes from UCHealth Medical Center of the Rockies in Loveland, Northern Colorado’s Level I Trauma Center, about a 15-minute drive west, or UCHealth Greeley Hospital, a Level III facility, about the same distance east. The National Spinal Cord Injury Statistical Center’s 2025 data sheet estimates lifetime care costs for a person injured at age 25 at roughly $3 million for paraplegia, more than $4.5 million for low tetraplegia (C5 through C8), and more than $6.2 million for high cervical injury (C1 through C4), all in 2024 dollars. When a crash anywhere in Windsor’s dual-county footprint causes that kind of injury, the life-care plan is the foundation of the claim and the number the insurer will fight hardest to reduce.

ASIA classification and damages

How injury level shapes what a Windsor spinal cord injury claim is worth

The ASIA Impairment Scale grades every spinal cord injury from AIS-A (complete, no motor or sensory function below the neurological level of injury) through AIS-E (full recovery). The grade at neurological stabilization determines the life-care plan scope, the projected future care costs, and the vocational impact on earning capacity. Colorado’s uncapped economic damages rule means the accurate projection of those costs is the primary driver of case value in every Windsor SCI case.

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

    Injuries to the neck region of the spinal cord affect all four limbs. C1 through C4 injuries often require 24-hour attendant care and, in the most severe complete injuries, mechanical ventilation. C5 through C8 injuries, called low tetraplegia, preserve some arm and hand function but require ongoing attendant care for most activities of daily living. The NSCISC’s 2025 data sheet estimates lifetime care for a 25-year-old at more than $6.2 million for high cervical injury and more than $4.5 million for low tetraplegia, in 2024 dollars. Annual recurring costs at the high-cervical level run $244,879 per year in 2024 dollars. Colorado’s high altitude adds a Northern Front Range dimension that national averages ignore: power wheelchairs require heated storage to survive sub-zero Weld County winters, accessible vehicle conversions adapted for Northern Colorado road conditions cost more than baseline national estimates, and specialist follow-up care is concentrated in Fort Collins, Loveland, or Denver, adding transportation cost to every appointment.

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

    Thoracic injuries paralyze the legs and trunk muscles below the injury level but leave arm and hand function intact. Most people with thoracic-level complete injuries use a manual or power wheelchair and can live independently with accessible home modification. The NSCISC’s 2025 data sheet puts estimated lifetime care for paraplegia at roughly $3 million for a 25-year-old, in 2024 dollars, with annual recurring costs of about $55,900 per year. In Windsor’s rapidly expanding housing market, accessible home modification costs depend heavily on the age and configuration of the structure, and newly built homes in this corridor frequently present their own accessibility challenges. The life-care plan must reflect what modification actually costs in this specific market, not a national average.

  3. Lumbar and sacral injuries (L1 to S5): lasting consequences despite partial function

    Many people with lumbar and sacral injuries retain some leg movement and walk with assistive devices. Bowel and bladder dysfunction is common at these levels and requires ongoing management, supplies, and periodic surgical intervention over a lifetime. Insurers frequently undervalue lumbar-level SCI cases by treating the preserved ambulation as evidence of minor injury while ignoring the long-term care needs for bowel and bladder management. A vocational expert who can document the physical limitations and a life-care planner who projects the management costs across the injured person’s life expectancy are both necessary to build an accurate damages picture at this injury level.

  4. Complete vs. incomplete: the distinction that drives every settlement number

    AIS-A is a complete injury. AIS-B through AIS-D are incomplete injuries with varying preserved sensation or movement. Incomplete injuries create a valuation problem that insurers exploit: the true extent of recovery is often unknown for 12 to 18 months after the crash. An offer made at six months based on an optimistic recovery projection for an AIS-C injury can fall millions short when the person plateaus far short of independence. We do not settle Windsor SCI cases until our physiatric experts have documented neurological stabilization and the life-care planner has projected care across a defensible range of recovery outcomes.

Local knowledge

Windsor courts. Windsor trauma care. Windsor crash corridors.

A spinal cord injury claim in Windsor is defined by this community: the road where the crash happened, the hospital system that treated you, and the courthouse where the lawsuit will be filed. Windsor’s dual-county location makes all three questions more complex than they are in any other Northern Colorado city.

Two Courthouses

Weld County District Court (19th JD, Greeley) or Larimer County District Court (8th JD, Fort Collins)

Windsor is the only CGH service-area city that sits in two counties and two separate judicial districts. A Windsor spinal cord injury lawsuit is filed at the Weld County District Court, 901 9th Ave., Greeley, CO 80631 (19th Judicial District), when the crash or incident occurred on the Weld County side of the city, or at the Larimer County District Court, 201 LaPorte Ave., Fort Collins, CO 80521 (8th Judicial District), when the incident occurred on the Larimer County side. These two courts draw from different jury pools, operate under different local rules, and are served by different defense firms familiar with each venue. Filing in the right court from the start is not a technicality. It determines which jury panel hears the case, which local firms the insurer will engage, and which judge presides. CGH Injury Lawyers identifies the correct venue from the crash report and location data at the beginning of every Windsor SCI engagement, and handles spinal cord injury cases in both the 19th and 8th Judicial Districts directly from our Denver office at no added charge to Windsor clients.

Trauma Care

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

Windsor has no hospital of its own. After a serious crash on I-25, CO-392, or CO-257, initial trauma care typically comes from UCHealth Medical Center of the Rockies in Loveland, about a 15-minute drive west, which is Northern Colorado’s Level I Trauma Center providing immediate surgical response, intensive care, and 24-hour specialist coverage. UCHealth Greeley Hospital to the east, about the same distance away, is a Level III facility for less critical presentations. For the most severe spinal cord injuries, initial stabilization at one of those facilities may be followed by transfer to a Level I trauma center in Denver or Aurora. Many Northern Colorado SCI patients then enter inpatient spinal cord rehabilitation at Craig Hospital in Englewood, one of the country’s leading SCI rehabilitation programs. The medical records from every facility in this chain, from the Loveland or Greeley emergency department through rehabilitation discharge, document the full scope of the injury and form the core of the damages claim. We coordinate record collection across every treating facility from the start of representation.

High-Force Crash Corridors

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

Windsor’s primary I-25 connection is Exit 262 at CO-392, which CDOT has flagged for congestion and safety improvement because the transition from interstate speed to arterial flow at this interchange concentrates rear-end, merge, and angle-collision risk. CO-392, known locally as Main Street through the Windsor business district, is also the principal commuter route between Windsor and Greeley, carrying daily traffic at speeds where a collision can produce the axial loading and hyperflexion-hyperextension forces that cause cervical and thoracic spinal cord injuries. CO-257 runs through Windsor’s town center and adds arterial collision exposure. US-34, the Greeley-Loveland-Estes corridor, provides regional connectivity south of town for residents commuting in that direction. Any of these roads can produce the force necessary for a catastrophic SCI. When a government entity such as CDOT or the Town of Windsor maintained a road where a defect contributed to the crash, the Colorado Governmental Immunity Act notice requirement under C.R.S. 24-10-109(1) applies, and the 182-day clock starts running from the date of discovery of the injury.

After the injury

What to do after a spinal cord injury in Windsor

The decisions made in the days and weeks after a spinal cord injury have outsized consequences for what the family can ultimately recover. Windsor’s dual-county location and the absence of a local hospital add layers of complexity that make early action especially important.

  1. Follow the full course of treatment and rehabilitation

    After a serious crash on I-25 or CO-392, initial care will come from UCHealth Medical Center of the Rockies in Loveland or UCHealth Greeley Hospital, depending on the direction of the emergency response. The most severe spinal cord injuries may require transfer to a Level I facility in Denver or Aurora and then to an inpatient rehabilitation program such as Craig Hospital. Every treatment step, physician note, and therapy record is part of the medical evidence supporting the ASIA grade and the life-care plan. Keep all records and do not stop treatment prematurely.

  2. Do not accept an early settlement offer

    Insurers often present early offers before the full extent of a spinal cord injury is known. An offer made in the first weeks or months cannot account for 40 to 60 years of projected care. The NSCISC’s 2025 data sheet estimates lifetime care for a low tetraplegia at more than $4.5 million for a 25-year-old. A $1 million offer falls more than $3.5 million short. Once a settlement is accepted and signed, it is final. There is no path back when the funds run out in 15 years.

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

    If a CDOT vehicle, a Town of Windsor truck, a Weld County fleet vehicle, a Larimer County vehicle, or a road defect on I-25, CO-392, or CO-257 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). That clock runs from the date of discovery, not necessarily the crash date. Missing the deadline bars the government-entity claim entirely, regardless of fault. Windsor’s dual-county structure means the notice may need to go to two separate government entities depending on where the event occurred.

  4. Preserve crash evidence before it disappears

    Camera footage from I-25 at Exit 262, from CO-392 businesses, and from other drivers’ dashcams can be overwritten within days. Skid marks on the roadway fade. The Windsor Police Department and Colorado State Patrol crash reports document what happened, but they are not the only evidence. We send evidence preservation letters on the day of retention so critical records are secured before the destruction clock runs out.

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

    The other driver’s insurance company is not working in your interest. Adjusters are trained to ask questions that shift fault toward the injured person. Under Colorado’s modified comparative fault rule, C.R.S. 13-21-111, even a 20 percent fault assignment reduces a multi-million-dollar recovery by hundreds of thousands of dollars. Do not agree to a recorded statement before speaking with an attorney.

  6. Contact us before the filing deadline

    The motor-vehicle statute of limitations is three years from the crash date (C.R.S. 13-80-101(1)(n)). The general tort limitation for non-vehicle SCI is two years (C.R.S. 13-80-102(1)(a)). Building a defensible life-care plan, retaining physiatric and vocational experts, identifying the correct venue in Greeley or Fort Collins, and completing a full medical review before filing takes time. Contact CGH Injury Lawyers as early as possible so no deadline creates a preventable barrier.

Compensation

What a Windsor spinal cord injury claim can recover

Colorado law allows recovery of the full documented financial cost of a spinal cord injury and the human cost of living with permanent disability. Economic damages are never capped, which means the life-care plan is the most important document in any SCI case. A carefully built plan is the difference between what an insurer is willing to pay and what a lifetime of paralysis actually costs.

Economic damages (never capped in Colorado)

  • Attendant care and ongoing medical expenses: NSCISC 2025 data puts annual recurring costs at $55,900 for paraplegia and $244,879 for high cervical injury, in 2024 dollars
  • Power wheelchair purchase, maintenance, and replacement (typically every five years), with Northern Colorado-specific winter storage and cold-weather operational costs
  • Accessible vehicle purchase and modification, adapted to Windsor area roads and CDOT corridor conditions
  • Accessible home modification, projected to the actual cost in the Windsor and Northern Colorado housing market
  • Medical supplies, medications, urological management, wound care, and scheduled surgical procedures projected across the injured person’s life expectancy
  • Lost wages, lost benefits, and reduced lifetime earning capacity, quantified by a forensic vocational economist
  • Future medical care inflation, projected using the Medical Consumer Price Index, which has historically increased 3 to 4 percent per year

Non-economic and physical impairment damages

  • Pain and suffering: capped at $1.5 million for claims accruing on or after January 1, 2025, under C.R.S. 13-21-102.5
  • Physical impairment from permanent paralysis: expressly uncapped under Colorado law, regardless of the non-economic cap
  • Loss of enjoyment of life: when paralysis ends activities, sports, and relationships central to who the person was before the crash
  • Emotional distress and the psychological consequences of catastrophic permanent disability
  • Loss of consortium for a spouse or family members affected by the injury

In a serious Windsor spinal cord injury case, economic damages frequently exceed the non-economic cap many times over. Physical impairment is separately uncapped and requires no threshold mechanism to access: it is simply uncapped. The life-care plan, not the pain and suffering figure, is where the largest Windsor SCI recovery is built. We work with certified life-care planners, spinal cord injury specialists, and forensic economists to produce a damages model that can survive adversarial challenge from defense counsel in either the Greeley or Fort Collins courtroom.

Fault, government entities, and the dual-county dimension

Comparative fault and CGIA: what Windsor SCI clients need to know

Two Colorado rules shape Windsor SCI case outcomes more than almost any other legal question: the modified comparative fault bar and the CGIA notice requirement. Windsor’s dual-county structure means government entities in both Weld County and Larimer County may be implicated, and both rules apply on each side of the county line.

Modified comparative fault: what the insurer uses against you

  • Colorado follows modified comparative fault under C.R.S. 13-21-111. Recovery is available as long as the injured person was less than 50 percent at fault. If the injured person was 50 percent or more at fault, recovery is barred entirely.
  • The award is reduced by the injured person’s fault percentage. In a $4 million SCI case where the injured person is found 25 percent at fault, the recovery is $3 million, not $4 million. Insurers fight fault percentages hard in high-value SCI cases because every percentage point is worth tens of thousands of dollars.
  • On I-25 at Exit 262 or on CO-392 where right-of-way disputes are common after high-speed crashes, fault assignments are not obvious. Crash reconstruction, black-box data, traffic engineering analysis, and camera footage are the tools that set fault percentages accurately.

CGIA: when a government entity is involved in a Windsor crash

  • C.R.S. 24-10-109(1) requires a written notice of claim within 182 days of discovering the injury when a government entity is responsible. Missing that deadline bars the government-entity claim regardless of the merits.
  • Windsor crashes can implicate CDOT for I-25 or state highway maintenance, the Town of Windsor for local road defects, Weld County for county-road issues, or Larimer County for the Larimer-side portions of the city. The 182-day notice must go to the correct entity and county, identified correctly from the crash location.
  • Under C.R.S. 24-10-114, CGIA caps recovery from a government entity at $505,000 per person and $1,421,000 per occurrence for claims accruing on or after January 1, 2026. These caps apply only to the government defendant. Any private parties in the same case are not subject to them.
How it works

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

Windsor SCI cases follow a defined path from free evaluation through expert retention, life-care planning, negotiation, and if necessary trial at the correct district court in Greeley or Fort Collins. Most cases settle before trial. We prepare every Windsor SCI case for either the 19th or the 8th Judicial District from day one.

  1. Free case evaluation with venue identification

    We review how the injury happened, explain what Colorado law allows you to recover, and identify from the crash report and location data whether the case belongs in Greeley (Weld County) or Fort Collins (Larimer County). We answer questions at no cost and no obligation. Windsor clients are not charged anything additional for the dual-county complexity.

  2. Liability investigation and evidence preservation

    We gather the crash report from Windsor Police or the Colorado State Patrol, send evidence preservation letters to preserve camera footage from I-25 and CO-392, interview witnesses, and identify every responsible party and insurance source. When a government entity is involved, we serve the CGIA notice in the correct county before the 182-day window closes under C.R.S. 24-10-109(1).

  3. Life-care plan and expert team

    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 plan accounts for inflation using the Medical Consumer Price Index and addresses Northern Colorado cost factors including accessible housing costs in the Windsor-area market, specialist access in Loveland, Greeley, and Fort Collins, and the logistical realities of managing care in a dual-county city without a local hospital.

  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 lowball numbers to resolve a case quickly. We present the full documented value of the claim and defend it whether the audience is an adjuster, a mediator, or a jury in either Greeley or Fort Collins.

  5. Litigation and trial in the correct district court

    If an insurer refuses fair compensation, we file at the Weld County District Court in Greeley or the Larimer County District Court in Fort Collins and try the case before a local jury. Managing Partner Kevin Cheney is a member of the American Board of Trial Advocates (ABOTA) and has tried more than 25 cases to verdict. When a jury verdict is what full recovery requires, our trial team is ready for it in both Northern Colorado venues.

Your team

The Windsor SCI team at CGH Injury Lawyers

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 more than 25 cases to verdict. Timothy G. Tarr has been recognized by Best Lawyers every year since 2023. Every Windsor spinal cord injury case is handled by a licensed Colorado attorney working alongside certified life-care planners, spinal cord specialists, and forensic economists.

ABOTA member on the team Tim Tarr: Best Lawyers in America since 2023 More than 25 cases tried to verdict 19th and 8th Judicial District experience Works with certified life-care planners Bilingual EN / ES Free consultation No fee unless we win

CGH Injury Lawyers does not have a Windsor office. We have one office, at 2701 Lawrence St., Suite 201, Denver, CO 80205. We serve Windsor, Weld County, and Larimer County spinal cord injury clients from that Denver office, file cases at the correct district court for the county where the incident occurred, and come to you or to the hospital when the family needs that. There is no additional charge for Windsor clients. We do not claim a Windsor address, and you should be cautious of any firm that does without a verified local office.

Very professional and empathetic. They kept me informed every step of the way.
5-star CGH Injury Lawyers client review
Frequently asked questions

Windsor spinal cord injury frequently asked questions

How long do I have to file a spinal cord injury claim after a Windsor crash?

The motor-vehicle statute of limitations is three years from the crash date under C.R.S. 13-80-101(1)(n). The general tort limitation for non-vehicle SCI is two years under C.R.S. 13-80-102(1)(a). If a government entity such as CDOT, the Town of Windsor, Weld County, or Larimer County was involved, a written notice of claim must be served within 182 days of discovering the injury under C.R.S. 24-10-109(1). That 182-day clock runs from the date of discovery of the injury, not necessarily the crash date. Windsor’s dual-county location means the notice may need to be served on two separate government entities depending on where the event occurred. Do not wait to contact an attorney after a Windsor SCI.

Which courthouse handles a Windsor spinal cord injury lawsuit?

Windsor spans both Weld County and Larimer County, so the correct courthouse depends on where the crash or incident occurred. Weld County events are filed at the Weld County District Court, 901 9th Ave., Greeley, CO 80631, in the 19th Judicial District. Larimer County events are filed at the Larimer County District Court, 201 LaPorte Ave., Fort Collins, CO 80521, in the 8th Judicial District. Identifying the correct venue from the crash report and location data is one of the first steps we take in every Windsor SCI case. CGH Injury Lawyers handles both courts directly from our Denver office.

Are future medical costs capped in a Colorado spinal cord injury case?

No. Economic damages including all future medical costs, attendant care, adaptive equipment, home modification, and lost earning capacity are uncapped under Colorado law. Non-economic damages for 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. Compensation for physical impairment from a permanent spinal cord injury is expressly uncapped under Colorado law. In a serious SCI case, economic damages and physical impairment compensation typically far exceed the non-economic cap, which means the life-care plan is where the largest recovery is built.

Can I still recover if I was partly at fault for the Windsor crash?

Yes, in most cases. Colorado follows modified comparative fault under C.R.S. 13-21-111. Recovery is available as long as the injured person was less than 50 percent at fault, with the award reduced proportionally by the injured person’s fault share. If the injured person was 50 percent or more at fault, recovery is barred entirely. Insurers frequently push hard on fault assignments in high-value SCI cases because even a modest increase in the injured person’s fault percentage reduces a multi-million-dollar payout significantly. Crash reconstruction and black-box data can counter those fault assignments with hard evidence.

What hospital treats spinal cord injury victims from Windsor crashes?

Windsor has no hospital. After a serious crash on I-25 or CO-392, initial trauma care typically comes from UCHealth Medical Center of the Rockies in Loveland, about a 15-minute drive west, which is Northern Colorado’s Level I Trauma Center providing the highest level of surgical and intensive care available in the region. UCHealth Greeley Hospital, about the same distance east, is a Level III facility. The most severe SCI cases may require transfer to a Level I facility in Denver or Aurora for specialized spinal care, with inpatient rehabilitation at Craig Hospital in Englewood. We coordinate record collection across all treating facilities from the start of representation.

Does CGH Injury Lawyers have a Windsor office?

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, Weld County, and Larimer County spinal cord injury clients from that Denver office, file cases at the correct district court in Greeley or Fort Collins based on where the event occurred, and come to you or to the hospital for meetings when the family needs that. There is no added charge for Windsor clients. We are available in English and Spanish. We do not claim a Windsor address, and you should be cautious of any firm that does without a verified local office.

For the controlling text of any statute cited here, see the Colorado Revised Statutes.

It’s More Than Money.

Spinal cord injury in Windsor or on I-25? We find the right court, build the full life-care plan, and advance all expert costs.

Free consultation. No fee unless we win. Serving Windsor’s Weld County and Larimer County sides from our Denver office. Available in English and Spanish.

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

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