What if the Other Driver Does Not Have Enough Insurance Coverage to Compensate Me for My Injuries and Damages?

Your underinsured motorist coverage on your auto insurance policy may apply.

What if Fault in My Denver, Colorado Accident is Not Clear?

All of the facts of the case will carefully be analyzed to demonstrate which driver was negligent at the time of an accident.

Car Accident Attorneys in Denver, Colorado

Q: How Do I Know if I Have a Claim or a Lawsuit in Denver, Colorado?

If you were injured due to someone else’s negligence, you will likely be able to file a claim with the at-fault party’s insurance company for damages.

Q: How Much is My Case Worth in Denver, Colorado?

All car accident claims are unique. The value of each case depends on the specific facts of the incident.

Q: How Long Does It Take to Resolve a Case in Denver, Colorado?

The answer largely depends on your injuries. It is important to make sure that you have completed treatment before you enter into settlement discussions with the insurance company.

Q: What if the Other Driver Does Not Have Insurance in Denver, Colorado?

If you are injured by a driver who does not have insurance, your own uninsured motorist coverage on your auto insurance policy may apply.

Q: Should I Talk to the Insurance Adjusters in Denver, Colorado?

It is best not to speak with the insurance adjusters.

Q: How Long Do I Have to File a Case in Denver, Colorado?

In Colorado, there is a three-year deadline to file a car accident claim. This deadline is called the statute of limitations.

Q: Will I Have to Go to Court in Denver, Colorado?

Most likely, no. Most car accident cases settle with the insurance company without the need to file a lawsuit.

Q: What Are the Different Phases of a Denver, Colorado Car Accident Case?

First, the client needs to complete treatment for any and all injuries that were caused by the accident.

Table of Contents

The Colorado State Patrol estimates that between 1,500 and 2,500 accidents happen throughout the state every single month. These range in severity: some are minor collisions, whereas others are fatal crashes. Learn more about the Denver, Colorado car accident problem.

Many accident victims are injured or even killed due to another’s negligence, such as distracted driving, reckless driving, or drunk driving.

After an accident, it is important to contact an experienced Denver car accident lawyer as soon as possible. The at-fault party’s insurance company may not make an offer that adequately covers all of your damages. However, a lawyer can help hold the at-fault party accountable and ensure that you receive the funds you need to take care of your expenses.

In Colorado, there is a three-year deadline to file a lawsuit after a auto accident in Denver, Colorado. However, if a government-owned vehicle is involved in the accident, the deadline to give notice is only 182 days.

Car Accident Attorneys in Denver, Colorado

Why Choose Denver, Colorado Car Accident Lawyers?

Denver, Colorado Auto Accident Lawyer Jennifer Donaldson understands that a Denver, Colorado, motor vehicle crash accident is a stressful experience and offers a free consultation so that you may learn about your legal options and the services her firm provides.

Jennifer Donaldson has 30 years of experience in motor vehicle accident claims in Denver, Colorado. Her diverse background in various types of cases helps her provide excellent representation to her clients.

Jennifer Donaldson understands that most clients do not want to be involved in a lawsuit. She will work hard to persuade the insurance company to fairly compensate you for your injuries.

In addition, she understands that when insurance companies are not fair, legal action is the only way for accident victims to obtain compensation to alleviate the financial burden a car accident places on them.

Jennifer Donaldson is proud to represent clients throughout Colorado, including Boulder, Broomfield, Longmont, Lakewood, Arvada, Aurora, Thornton, Westminster, Centennial, and Littleton. She has represented accident victims Denver County, Arapahoe County, Jefferson County, Boulder County, and Adams County.

Donaldson Law, LLC provides the personalized attention and dedication of a boutique law firm.

Jennifer Donaldson has experience in a variety of motor vehicle accident claims in Denver, Colorado.

What Should I Do After an Auto Accident in Denver, Colorado?

There are several steps you should take to protect yourself after a motor vehicle accident.

First, be safe. Do not get out of your vehicle unless it is safe to do so. Do not move your car unless it is necessary to protect your safety and the safety of those around you and you are physically able to do so.

Call 911 and/or the police. Ask those involved if they were injured. If someone was injured in the accident, call 911 and the police. Exchange insurance information with the other drivers.

Take pictures. Photographs of the scene of the accident, any damage to your vehicle, and any injuries you have will be helpful in your case.

Exchange insurance information. Take pictures of the other drivers’ insurance information, their driver’s licenses, and their license plates.

Seek medical attention. Some injuries are delayed and do not exhibit symptoms right away. If you start to feel pain later in the day or wake up in pain the following day, make sure you seek treatment with your primary care physician, at an urgent care center, or in the emergency room.

Speak with an experienced auto accident lawyer in Denver, Colorado. The at-fault driver will probably have an insurance company protecting his or her interests. It is important to contact an experienced lawyer as soon as possible after the accident. You should not state the insurance company or accept a settlement offer until you have retained a skilled Denver personal injury lawyer to protect your interests during this troubling and often life-changing time.

Should I Go to the Doctor in Denver, Colorado?

Yes, if you are experiencing any pain, you should see a doctor.

Some injuries, such as whiplash, do not show up right away. If you are injured, it is important to have your injuries documented as soon as possible.

Should I Accept the Insurance Company’s Settlement in Denver, Colorado?

If you are not done with treatment, you should not consider settling with the insurance company. Their settlement offer may not cover all of your bills, subrogation claims, or damages.

Lawyers for car accident in Denver, Colorado, will help you settle your claim or file a lawsuit if necessary.

Types of Car Accident Claims in Denver, Colorado

Not all car accident claims are the same. The type of claim you file depends on the facts of the crash, the injuries involved, and the parties responsible.

Our Denver auto accident lawyers help with a wide range of cases, including:

Personal Injury Claims – For physical injuries caused by another driver’s negligence.
Wrongful Death Claims – Filed by families when a loved one dies due to a crash.
Uninsured/Underinsured Motorist Claims – When the at-fault driver is uninsured or lacks adequate insurance.
Government Liability Claims – When poor road conditions or traffic control issues play a role.

Donaldson Law, LLC has extensive experience handling each claim type, including serious injury or complex liability. We know how to approach every situation strategically and with compassion. Unsure what type of claim you have? Call (303) 458-5000 or contact our car crash attorneys in Denver online for guidance.

Compensation and Damages in a Car Accident Claim in Denver, Colorado

After an accident, you may be entitled to several different types of damages, including:

Medical bills
Property damage
Loss of income and diminished earning capacity
Pain and suffering or mental anguish
Permanent physical impairment

Understanding the types of compensation available is just the first step in navigating your car accident claim. To help you better understand your legal situation, here’s some additional important information about car accidents in Colorado.

Examples of Negligence in Denver, Colorado

There may be multiple claims of negligence in a single accident claim. The following are common causes of accidents:

Driving under the influence of drugs or alcohol;
Driving while distracted;
Driving recklessly;
Failing to abide by traffic signals;
Driving with road rage;
Driving while talking on a cell phone;
Speeding or driving too slowly; and/or
Driving while texting.

What Are the Most Common Causes of Car Accidents?

Car crashes happen for many reasons, but most share a common thread: they could have been prevented. In Denver and across Colorado, many collisions are caused by careless or reckless behavior behind the wheel.

Some of the most common causes we see include:

Distracted driving – Texting, eating, adjusting the radio, or using GPS.
Speeding and aggressive driving – Exceeding speed limits or tailgating.
Driving under the influence – Alcohol or drug impairment remains a top cause of fatal accidents.
Weather-related crashes – Snow, ice, and fog contribute to serious winter-related accidents.
Traffic violations – Running red lights, rolling through stop signs, or illegal lane changes
Vehicle defects – Brake failures, tire blowouts, or airbag malfunctions

Proving the cause of a crash is critical to securing compensation. At Donaldson Law, LLC, we conduct detailed investigations to identify what went wrong and who should be held accountable.

Let us help uncover the truth. Call (303) 458-5000 or contact us online for a free case review.

What Injuries Are Most Common in Denver Car Accidents?

Injuries from car crashes can range from mild to life-altering, and in some cases, they may not be immediately apparent. Some symptoms may take hours or days, making early medical evaluation essential.

Our clients frequently suffer:

Whiplash and soft tissue damage.
Fractures and broken bones.
Traumatic brain injuries (TBIs) from head trauma.
Spinal cord injuries, including partial or complete paralysis.
Internal injuries like organ damage or internal bleeding.
Emotional trauma, including PTSD, anxiety, and depression.

We understand the physical and psychological toll car crashes take on victims and families. That’s why we fight to recover compensation not just for medical costs, but for the pain, stress, and lasting impacts you’ve endured. If you were hurt in a crash, call (303) 458-5000 or contact our Denver car accident attorneys online to get help today.

Who Can Be Held Liable After a Colorado Auto Accident?

Liability in car accidents can extend far beyond the other driver. Multiple parties often share responsibility; identifying them is essential to financial recovery.

Parties who may be held liable include:

Negligent drivers who cause crashes by breaking traffic laws or acting carelessly.
Government agencies responsible for dangerous road conditions.
Rideshare companies like Uber or Lyft, when drivers cause harm during a ride.
Employers of drivers who were on duty when the crash occurred.

At Donaldson Law, LLC, we don’t just look at the obvious—we dig deeper. We uncover all sources of liability to ensure no responsible party escapes accountability. Call (303) 458-5000 or contact us online to find out who may be liable in your case.

Is Colorado a No-Fault State for Car Crashes?

Colorado is not a no-fault state. It follows an “at-fault” system, which means the driver who causes the crash is legally responsible for paying damages. Whether you’re dealing with medical bills, vehicle damage, or time missed from work, your ability to recover compensation depends on proving who was responsible for the crash.

In Colorado, fault is determined by evaluating evidence such as:

Police reports.
Eyewitness statements.
Crash scene photos and video.
Vehicle damage and road markings.
Expert analysis or accident reconstruction.

The state also applies a comparative negligence rule. This means that if you are partially at fault, your compensation will be reduced by your percentage of fault. For example, if you’re found to be 20% responsible, your total compensation will be reduced by 20%.

Working with a knowledgeable Denver car accident attorney at Donaldson Law, LLC can help protect your rights, challenge unfair blame, and maximize your recovery. We build strong, evidence-backed claims to ensure our clients are not left paying for someone else’s mistake.

If you’ve been injured, call us today at (303) 458-5000 or contact us online for a free consultation.

What Are Colorado Auto Insurance Requirements?

Colorado law requires every driver to carry a minimum level of insurance, but that doesn’t always mean you’ll be fully protected in a crash. Understanding what’s required—and what’s recommended—can make a big difference when filing a claim.

Minimum required coverage:

$25,000 for bodily injury per person.
$50,000 for total bodily injury per accident.
$15,000 for property damage per accident.

Optional—but recommended—coverages:

Uninsured/Underinsured Motorist Coverage (UM/UIM) – Covers you if the at-fault driver has insufficient insurance.
Medical Payments Coverage (MedPay) – Helps pay medical bills regardless of fault
Comprehensive & Collision Coverage – Covers damage from non-crash incidents or when you’re at fault.

Because Colorado is a fault-based state, insurance companies often look for ways to minimize payouts. Some even engage in bad-faith practices, such as denying valid claims or delaying payment.

We know how to stand up to insurers at Donaldson Law, LLC. We help clients navigate confusing policy language, pursue fair settlements, and hold insurance companies accountable when they don’t play fair. Call (303) 458-5000 or contact our car accident lawyers in Denver online to protect your rights.

Why Do I Need a Denver Auto Accident Attorney?

After a crash, it’s tempting to trust the insurance adjuster to “handle everything”—but that can be a costly mistake. Insurance companies don’t work for you. They aim to pay as little as possible, even if it means downplaying your injuries or denying your claim.

That’s where our team comes in.

At Donaldson Law, LLC, our auto accident lawyers in Denver help clients by:

Investigating the accident, preserving evidence, and identifying all sources of liability.
Negotiating directly with the insurance company to obtain fair and full compensation.
Pursuing litigation when necessary, taking your case to trial if negotiations fall short.
Recovering financial support for:
- Medical bills (past and future).
- Lost income.
- Pain and suffering.
- Permanent disability.
- Emotional distress.

With over 30 years of experience in Colorado car accident cases, we’ve built a reputation for clear communication, personalized service, and real results. Don’t face this alone. Call our Denver car accident lawyers at (303) 458-5000 or contact us online for a free consultation.

Types of Claims in Denver, Colorado

There are a variety of accident claims, including:

Additional Resources in Denver, Colorado

Colorado Department of Revenue, Division of Motor Vehicles: The Department of Revenue (DMV) provides several services, such as processing driver’s licenses and vehicle registration. The DMV also provides educational tools that help drivers stay in compliance with Colorado law.
Colorado Department of Transportation: This link provides several forms, publications, and manuals regarding traffic safety.
Report a Traffic Accident: If you have been involved in an accident, you can report it using this website.
Denver Open Data Catalog: Traffic Accidents: This website contains up-to-date traffic accident data for both the city and county of Denver.
United States Department of Transportation Motor Vehicle Crash Overview: The USDOT provides statistics on car accidents that occur in the United States every year.
News stories about recent crashes: The Denver Post frequently publishes stories about motor vehicle accidents that occur throughout the state.
News articles on car accidents: CBS Denver/Channel 4 News shares articles about recent Denver County car accidents, as well as current traffic conditions in the area.

Call Our Denver Auto Accident Lawyers at Donaldson Law, LLC For Your Free Consultation Today

Experienced Denver auto accident lawyer Jennifer Donaldson has years of experience in motor vehicle accident claims and is prepared to help you with your case. To schedule a free consultation with our Denver personal injury lawyer at Donaldson Law, LLC, contact us at (303)-458-5000.

Frequently Asked Questions About Car Accidents in Denver

How Do I Know if I Have a Claim or a Lawsuit in Denver, Colorado?

How Much is My Case Worth in Denver, Colorado?

How Long Does It Take to Resolve a Case in Denver, Colorado?

What if the Other Driver Does Not Have Insurance in Denver, Colorado?

Should I Talk to the Insurance Adjusters in Denver, Colorado?

What if the Fault in My Denver, Colorado Accident is Not Clear?

How Long Do I Have to File a Case in Denver, Colorado?

Will I Have to Go to Court in Denver, Colorado?

What Are the Different Phases of a Denver, Colorado Car Accident Case?

How Can an Auto Accident Attorney Help Me in Denver, Colorado?

How long do you have to file an auto accident case?

How long does it take to settle an auto accident claim?

Why do injury accident cases take so long?

What should I do immediately after a car accident?

Should I give a statement to the insurance company after a car accident?

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CLIENT REVIEWS

My husband was rear-ended and his head broke through the back window of the truck. We decided to give things time to see if he improved. The other insurance company dragged things on forever. That’s when we decided we needed an attorney. We did not fully understand the statute of limitations and called a few attorneys thinking we had enough time. We quickly found out that in the land of the law, we were cutting it very close. The other attorneys we called passed saying that they just didn’t have the time to handle our case; we didn’t even get a chance to speak with anyone but the receptionist. Then I called Jennifer Donaldson and spoke to Melanie who is part of Jennifer’s incredible team. – Jackie G.

I was hit by a car while I was in a crosswalk. Afterward, I underwent multiple surgeries and occupational therapy. I was out of work after losing the use of my hand for a period of time. I knew that I couldn’t deal with the insurance companies on my own. After some research, I found Jennifer and Melanie. They were amazing through the whole process and the result was a very generous settlement. They were also able to get my health insurance to waive their subrogation claim. They have both been great to work with. Throughout my claim, they communicated with me and kept me updated. I would definitely recommend using Jennifer Donaldson if you ever need an attorney for a personal injury case.– Zander O.

Jennifer and her team were fantastic. They guided me through the whole process after getting into a car accident. She fought for me, and gave me and my family the best support. I don’t think I could have made it through the whole process without Jennifer and her team. Their knowledge of the insurance industry was very helpful and was a key factor in the outcome of my case.– Tony D.

My wife was involved in a serious auto accident where she sustained serious injuries, including a traumatic brain injury. Ms. Donaldson was professional, compassionate and very thorough from beginning to end. Her focus was to make sure that we were made whole. Her thorough work resulted in a settlement that provides for our needs for the rest of our lives. Ms. Donaldson is a great attorney.– Tony D.

I was hit by a car while riding my bicycle, causing me serious and permanent injuries. Ms. Donaldson handled my case in a very professional manner with outstanding results. She worked hard to make sure we got a settlement without the need for litigation while still getting the maximum recovery available. She and her staff were very thorough and stayed in constant communication. Overall, Ms. Donaldson was outstanding during the entire case. I highly recommend her to anyone in need of representation for their personal injury claim.– Leigh C.