Colorado Car Accident Laws and Claim Checklist
Separate four questions after a crash
For a collision in Denver, Colorado Springs, and Aurora or elsewhere in Colorado, separate traffic duties, civil fault, insurance coverage, and the court-filing deadline. A police conclusion and an insurer's percentage are evidence positions, not necessarily the final legal allocation.
Preserve scene and vehicle proof
- Original photos, video, dashcam, traffic-camera, and nearby business footage
- Vehicle data, damage, repair, tow, storage, inspection, and total-loss records
- Report number, officer information, witness contacts, and a location diagram
Build a coverage file
- Every declarations page and policy that may cover a driver, vehicle, household member, or employer
- Claim numbers, adjuster contacts, coverage letters, recorded-statement requests, and offers
- Health-plan, medical-payment, PIP, UM/UIM, lien, and reimbursement documents
Check the filing question separately
Open Colorado deadline guideProperty repair or insurer discussions do not replace deadline review.
Check the official Colorado sources
For a crash in Colorado, separate traffic duties, civil responsibility, insurance coverage, and the lawsuit-filing question.
- Colorado judiciary — Use the Colorado judiciary for civil rules, court locations, filing information, and decisions interpreting fault or damages.
- Colorado legislature or official code — Use the Colorado legislature or code portal for traffic, negligence, damages, limitation, and insurance statutes.
- Colorado insurance regulator — Use the Colorado insurance regulator for policy, complaint, claim-handling, and consumer coverage information.
Links checked August 29, 2026. Confirm the current text, effective date, and any local rule before relying on a deadline or procedure.