Colorado sets a hard deadline for filing a personal injury lawsuit. As a general rule the deadline is 2 years from the date of injury, and 3 years for motor vehicle accidents. Wrongful death claims run on their own clock: 2 years from the date of death. Miss the deadline and the court can throw out an otherwise strong case, no matter how badly you were hurt.

Claims involving a city, county, or state agency are stricter still. Written notice to the public entity is required within 182 days under the Governmental Immunity Act. Because these notice periods can be a fraction of the normal deadline, accidents involving public buses, government vehicles, or hazards on public property should be reviewed by an attorney right away.

There are exceptions that can shorten or extend these timelines, including claims by minors and injuries that were not discovered immediately. The safest approach in Colorado is to have your case looked at within days, not months.

Colorado applies modified comparative negligence (50% bar) — barred if your fault is equal to or greater than the defendant's. That single rule shapes everything about your case, because the insurance company's cheapest defense is almost always to argue that the accident was partly, or entirely, your fault.

On damages, non-economic and wrongful death damages are capped by statute, with caps raised substantially by 2024 legislation. A full claim can include emergency and follow-up medical care, future treatment, lost wages, reduced earning capacity, and pain and suffering. Documenting each of those categories is what separates a quick lowball offer from a fair settlement.

Insurers in every state move fast after a crash or fall — recorded statements, early offers, and requests for broad medical authorizations are routine. You are not required to agree to any of it before you understand what your claim is worth.

For car, truck, and motorcycle crashes, Colorado uses an at-fault system; no-fault was repealed in 2003. Knowing which system applies tells you who pays your first medical bills and whether you can pursue the at-fault driver directly for pain and suffering.

Get evaluated even if you feel fine at the scene. Soft tissue injuries, concussions, and back injuries often surface days later, and a gap in treatment is the first thing an adjuster points to. Consistent medical records from providers across Denver, Colorado Springs, Aurora and Fort Collins and the rest of Colorado are the backbone of any injury claim.

Keep everything: the crash or incident report, photos, names of witnesses, out-of-pocket receipts, and a short daily note about pain and missed work. It costs nothing now and it is very hard to recreate later.